# EDGAR Filing Document

**Accession Number:** 0002068326
**File Stem:** 0001213900-25-056313
**Filing Date:** 2025-6
**Character Count:** 9056420
**Document Hash:** f0f9627c201bbb12633b4353eb602121
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-056313.hdr.sgml**: 20250620

**ACCESSION NUMBER**: 0001213900-25-056313

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

**PUBLIC DOCUMENT COUNT**: 59

**CONFORMED PERIOD OF REPORT**: 20250620

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

**FILED AS OF DATE**: 20250620

**DATE AS OF CHANGE**: 20250620

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF3, LLC
- **CENTRAL INDEX KEY:** 0002068326

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07792
- **FILM NUMBER:** 251062389

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF3, LLC
- **CENTRAL INDEX KEY:** 0002068326

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-RCF3, LLC
- **CENTRAL INDEX KEY:** 0002068326

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251
- **BUSINESS PHONE:** 6028028305

**MAIL ADDRESS:**
- **STREET 1:** 7114 E STETSON DR SUITE 250
- **CITY:** SCOTTSDALE
- **STATE:** AZ
- **ZIP:** 85251

OMB Number: 3235-0675

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2025-RCF3, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002068326</u>

PRPM 2025-RCF3, LLC

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Jim Barrons, (602) 802-8305

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | PRP DEPOSITOR 2025-RCF3, LLC | PRP DEPOSITOR 2025-RCF3, LLC | PRP DEPOSITOR 2025-RCF3, LLC |
| Date: June 20, 2025 | By: | /s/ Jeff Padden | /s/ Jeff Padden |
|  |  | Name: | Jeff Padden |
|  |  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Covius Narrative](ea024634201_ex99-1.htm)

[Schedule 1 – Tape Compare](ea024634201_ex99-1sch1.htm)

[Schedule 2 – Exceptions Report](ea024634201_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea024634201_ex99-1sch3.htm)

[Schedule 4 – Valuation Report](ea024634201_ex99-1sch4.htm)

[Schedule 5 – Business Purpose Report](ea024634201_ex99-1sch5.htm)

[Schedule 6 – ATR QM Report](ea024634201_ex99-1sch6.htm)

[99.2 - Third Party Due Diligence Report – Infinity Narrative](ea024634201_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea024634201_ex99-2sch1.htm)

[Schedule 2 – Disposition and Comments Report](ea024634201_ex99-2sch2.htm)

[Schedule 3 – Findings Detail Report](ea024634201_ex99-2sch3.htm)

[Schedule 4 – Payment History Report](ea024634201_ex99-2sch4.htm)

[Schedule 5 – Rating Agency Grades Report](ea024634201_ex99-2sch5.htm)

[Schedule 6 – Delinquent Tax, HOA and Muni Lien Report](ea024634201_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – OneDiligence Narrative](ea024634201_ex99-3.htm)

[Schedule 1 – Securitization Report](ea024634201_ex99-3sch1.htm)

[Schedule 2 – Delinquent Tax Report](ea024634201_ex99-3sch2.htm)

[99.4 - Third Party Due Diligence Report - Maxwell Narrative](ea024634201_ex99-4.htm)

[Schedule 1 – Data Compare](ea024634201_ex99-4sch1.htm)

[Schedule 2 – Exceptions Report](ea024634201_ex99-4sch2.htm)

[Schedule 3 – Grading Grades](ea024634201_ex99-4sch3.htm)

[Schedule 4 – Valuation Report](ea024634201_ex99-4sch4.htm)

[Schedule 5 – Business Purpose Report](ea024634201_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report - Selene Narrative](ea024634201_ex99-5.htm)

[Schedule 1 – Data Compare](ea024634201_ex99-5sch1.htm)

[Schedule 2 – Standard Findings Report](ea024634201_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](ea024634201_ex99-5sch3.htm)

[Schedule 4 – Valuation Report](ea024634201_ex99-5sch4.htm)

[Schedule 5 – Business Purpose Report](ea024634201_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report - AMC Narrative](ea024634201_ex99-6.htm)

[Schedule 1 – Data Compare](ea024634201_ex99-6sch1.htm)

[Schedule 2 – Exceptions Report](ea024634201_ex99-6sch2.htm)

[Schedule 3 – Rating Agency Grades](ea024634201_ex99-6sch3.htm)

[Schedule 4 – Valuation Summary](ea024634201_ex99-6sch4.htm)

[Schedule 5 – Business Purpose Report](ea024634201_ex99-6sch5.htm)

[Schedule 6 – Multi-Property Report](ea024634201_ex99-6sch6.htm)

[Schedule 7 – Multi-Property Valuation Report](ea024634201_ex99-6sch7.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

Executive Summary <br> PRPM 2025-RFC3

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

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by one seller and acquired directly (or indirectly) by PRP-LB VI, LLC (the "Client") in connection with the PRPM 2025-RFC3, LLC transaction. The loan reviews were conducted in December 2021 by CRES.

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

There is one asset in the loan population.

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· U.S. RMBS Rating Criteria dated October 26, 2023<br>|
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024<br>|

---

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

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

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $1,040,000. The mortgage loan originated in January 2020.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

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

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

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

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

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

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

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

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

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

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

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

**Property Valuation Review and Methodology**

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

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

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

**Compliance Review Methodology** 

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

 

Compliance testing was limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· A review of the Note and Mortgage for accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review of Occupancy and Business Purpose Certifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· State and Federal High Cost and Higher-Priced

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

 

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. All the loans in this pool were classified as Not Covered/Exempt: Loans that are not covered by the rule.

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

 

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |

---

**Document Review**

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;· Appraisal. |
| &nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.<br> &nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable) |
| &nbsp;&nbsp;&nbsp;· Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;· Credit report. |
| &nbsp;&nbsp;&nbsp;· FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;· Final 1003. |
| &nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;· HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;· Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;· Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;· Initial application (1003). |
| &nbsp;&nbsp;&nbsp;· Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.<br> &nbsp;&nbsp;&nbsp;&nbsp;· Leases |
| &nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).<br> &nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation |
| &nbsp;&nbsp;&nbsp;· Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;· Note. |
| &nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards. |

---

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;· Sales contract. |
| &nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;· Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;· Written List of Service Providers. |

---

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape Data Compare

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

---

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

---

The aggregator provided CRES with loan level data regarding the mortgage loans for the data integrity check. The aggregator received the data directly from sellers through loan registrations in its system or via data tape.

Of the 1 mortgage loan reviewed, one unique mortgage loans had at least one tape discrepancy across 20 data fields (some mortgage loans had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;DSCR\* | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;P&I Payment\* | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;QM Type\* | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;\* DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\* DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\* DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\* DSCR, Note Date, P&I Payment, QM Type: Tape data was not provided. |

---

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number received a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of all mortgage loans by number received a Valuation grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| B | 1 | 100.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an overall grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 0 | 0.00% |
| &nbsp;&nbsp;**5-10 Unit Multi-Family** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **<0 or\*** | 0 | 0.00% |
| **0-0.199** | 0 | 0.00% |
| **0.2-0.399** | 0 | 0.00% |
| **0.4-0.599** | 0 | 0.00% |
| **0.6-0.799** | 0 | 0.00% |
| **0.8-.999** | 0 | 0.00% |
| **1-1.199** | 0 | 0.00% |
| **1.2-1.399** | 0 | 0.00% |
| **1.4-1.599** | 0 | 0.00% |
| **1.6-1.799** | 0 | 0.00% |
| **1.8-1.999** | 1 | 100.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0%-9.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**70%-79.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**80%-89.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **NY** | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 753433 | XXXXXXXX | 620 | 727 | FICO | 107 | Yes |
| 753433 | XXXXXXXX | 5 yr Hybrid | ARM | Note Type | Yes | Yes |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** | **Rating Agency Exceptions Report: 6/17/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 203145 | Property | Property Type | The subject property is a XXXXX property, which according to the underwriting guidelines is not an ineligible property type. | Client provided a guideline variance approval letter on this transaction. Client made an exception and is waiving this requirement.Client waives with compensating factors | Months Of Reserves - XXXX Months of Reserves, DTI - /DSCR - 1.89 | Client waives with compensating factors D B | 2 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 203147 | Credit | Hazard Insurance | According to the underwriting guidelines, rent loss insurance covering a minimum of XXXX months is required under the XXXX program. | Client provided a guideline variance approval letter on this transaction. Client made an exception and is waiving this requirement.Client waives with compensating factors | Months Of Reserves - XXXX Months of Reserves, DTI - /DSCR - 1.89 | Client waives with compensating factors D B | 2 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 203148 | Credit | Credit Report | Guidelines require a complete original credit report that is not included in the loan file. | 11/1/2021: Credit report provided to cure. |  | Cleared Exception D B | 1 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 208942 | Credit | Final 1003 | The application in the file does not provide the guarantors SSN, DOB, Job title etc and the Declarations section is not filled out. Incomplete application provided for XXXX. | 11/1/2021: Completed signed application located in original file for both borrowers (p.207 & 209), cleared. |  | Cleared Exception D B | 1 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 208944 | Credit | Note | ARM index – XXXX is not an eligible index per the guides. | Client provided a guideline variance approval letter on this transaction. Client made an exception and is waiving this requirement. | Months Of Reserves - XXXX Months of Reserves, DTI - /DSCR - 1.89 | Client waives with compensating factors D B | 2 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 208945 | Property | Appraisal | According to the underwriting guidelines, all appraisals should be on the FNMA Form 1004, 1025, or 1073 with interior/exterior inspection. In this case, the subject is a commercial property, and a FNMA form was not used. | Client provided a guideline variance approval letter on this transaction. Client made an exception and is waiving this requirement.Client waives with compensating factors | Months Of Reserves - XXXX Months of Reserves, DTI - /DSCR - 1.89 | Client waives with compensating factors D B | 2 |
| 753433 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Commercial | 0 | 1.8858 | 727 | 65.00% | XXXXXXXXX | 208946 | Credit | Credit - Eligiblity | A fraud report as required under Section 5.1.1 is not located in the loan file. | Client provided a guideline variance approval letter on this transaction. Client made an exception and is waiving this requirement.Client waives with compensating factors | Months Of Reserves - XXXX Months of Reserves, DTI - /DSCR - 1.89 | Client waives with compensating factors D B | 2 |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 6/17/2025** | **Rating Agency Grades: 6/17/2025** | **Rating Agency Grades: 6/17/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 753433 | XXXXXXX | XXXXXXX D A C B |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| 753433 | XXXXXXXX | XX/XX/XXXX | XXXXXXXX | 65.00% | Appraised Value |  | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  | XXXXXXXX | 0.00 | 0.00% | XXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** |
| 753433 | DSCR | 1 | XXXX | XXXX | Lease | XXXX | 1.8858 | XXXX | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 2 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 3 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 4 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 5 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 6 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 7 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 8 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 9 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 10 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 11 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 12 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 13 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 14 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 15 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 16 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |
| 753433 | DSCR | 17 | XXXX | XXXX | Lease | XXXX |  |  | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 16 | 1 | 3 | 0 | 1 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](ex99-1sch6_001.jpg) |  |  |  |  |
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 1* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 753433 | XXXXXXXXXXX | Not covered/exempt | No | No |
| **1** |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_002.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-RCF3**

**June 6, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

0 \| P a g e

![](ex99-2_002.jpg)

**TABLE OF CONTENTS**

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 13.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 16.0 |
| Pay History Review | 18.0 |
| Methods for Accounting for Delinquencies | 21.0 |
| Collection Comments Review | 22.0 |
| Foreclosure | 23.0 |
| Bankruptcy | 23.0 |
| Tax and Title | 24.0 |
| Compliance Review | 25.0 |

---

1 \| P a g e

![](ex99-2_002.jpg)

**INFINITY BIOGRAPHY**

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

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

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

2 \| P a g e

![](ex99-2_002.jpg)

 ****

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The population reviewed is comprised of five hundred and twenty-two (522) mortgage loans that were originally reviewed from August 2024 to April 2025.

**(2) Size of the assets reviewed.**

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 522 Mortgage Loans

▪ "Data Integrity" 522 Mortgage Loans

▪ "Servicing
Review" 522 Mortgage Loans

▪ "Title Review" 522 Mortgage Loans

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

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

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

For five hundred and twenty-two (522) mortgage loans, Infinity compared data fields on the bid tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

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

Not Applicable

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

Not Applicable

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**(7) Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eighteen (18) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity completed a Compliance Review on five hundred and twenty-two (522) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<u>Qualified Mortgage</u>

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

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

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

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

 

<u>General Ability to Repay</u>

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

Five hundred and twenty-two (522) loans received a Compliance-Only review. This review included a review of the loan file and analysis of the corresponding Seller tape and defect to determine whether the Creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This review also includes, where applicable, a review of third-party records available in the loan file including but not limited to bank statements, tax returns, financial statements, W2s, VOEs, lease agreements, business licenses and appraisals.

 

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales
contract;

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

▪ Copy
of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary
Title;

▪ Final
1003;

▪ Changed
circumstance documentation;

▪ Right
of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

▪ Mortgage
Insurance;

▪ Tangible
Net Benefit Disclosure;

▪ Subordination
Agreement;

▪ FACTA
disclosures;

▪ Notice
of Special Flood Hazards;

▪ Initial
and final GFE's;

▪ HUD
from sale of previous residence;

▪ Final
HUD-1;

▪ Initial
TIL;

▪ Final
TIL;

▪ Loan
Estimates;

▪ Closing
Disclosures; and

▪ Certain other disclosures related to the enumerated tests set forth
herein.a

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (522 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements only covers five hundred and twenty-two (522) mortgage loans. Within those mortgage loans, Infinity graded sixty-six (66) mortgage loans as "A", one hundred and fifty-four (154) mortgage loans as "B", seven (7) mortgage loans as "C" and two hundred and ninety-five (295) mortgage loans as "D".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;154 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;154 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;295 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;295 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12.64% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29.50% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;29.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;56.51% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;56.51% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;154 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;154 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;295 | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;295 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12.64% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;29.50% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;29.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;56.51% | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;56.51% |

---

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![](ex99-2_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** | &nbsp;&nbsp;**Loan File Review Overall Results** |
| &nbsp;&nbsp;**Event Level** | &nbsp;&nbsp;**Loan Counts** | &nbsp;&nbsp;**% of Total Sample** | &nbsp;&nbsp;**Original Loan Amount** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 | &nbsp;&nbsp;12.64% | &nbsp;&nbsp;$22044221.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;154 | &nbsp;&nbsp;29.50% | &nbsp;&nbsp;$52817055.29 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$1208287.00 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;295 | &nbsp;&nbsp;56.51% | &nbsp;&nbsp;$105624882.50 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (522 MORTGAGE LOANS)**

Of the five hundred and twenty-two (522) mortgage loans reviewed, 484 (92.72%) mortgage loans had tape discrepancies across eighty-nine (89) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Age of Loan | &nbsp;&nbsp;150 | &nbsp;&nbsp;522 | &nbsp;&nbsp;28.74% |
| &nbsp;&nbsp;Application Date (Baseline script version) | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;ARM Index Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;ARM Lifetime Cap Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Bankruptcy (Post-Loan Origination)? | &nbsp;&nbsp;36 | &nbsp;&nbsp;522 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Bankruptcy Filing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Borrower #1 Middle Name | &nbsp;&nbsp;21 | &nbsp;&nbsp;522 | &nbsp;&nbsp;4.02% |
| &nbsp;&nbsp;Borrower #2 First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Borrower #2 Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Borrower #2 Middle Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;159 | &nbsp;&nbsp;522 | &nbsp;&nbsp;30.46% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;25 | &nbsp;&nbsp;522 | &nbsp;&nbsp;4.79% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;33 | &nbsp;&nbsp;522 | &nbsp;&nbsp;6.32% |
| &nbsp;&nbsp;Borrower's Income is impacted by Covid-19? | &nbsp;&nbsp;5 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Cash To Borrower (HUD-1 Line 303) | &nbsp;&nbsp;11 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;Collections - Current Servicer (Enumerated) | &nbsp;&nbsp;6 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;Current Bankruptcy Case Number | &nbsp;&nbsp;5 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Current Bankruptcy Chapter | &nbsp;&nbsp;3 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Current Bankruptcy Post Petition Due Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Current Legal Status | &nbsp;&nbsp;7 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Current Value | &nbsp;&nbsp;332 | &nbsp;&nbsp;522 | &nbsp;&nbsp;63.60% |
| &nbsp;&nbsp;Current Value Date | &nbsp;&nbsp;126 | &nbsp;&nbsp;522 | &nbsp;&nbsp;24.14% |
| &nbsp;&nbsp;Currently in Foreclosure? | &nbsp;&nbsp;11 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;Debt Service Coverage Ratio (DSCR) | &nbsp;&nbsp;12 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Deferred Balance Amount | &nbsp;&nbsp;52 | &nbsp;&nbsp;522 | &nbsp;&nbsp;9.96% |
| &nbsp;&nbsp;Did a Modification Change Note Terms? | &nbsp;&nbsp;9 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Doc Date of Last Modification | &nbsp;&nbsp;31 | &nbsp;&nbsp;522 | &nbsp;&nbsp;5.94% |

---

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![](ex99-2_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Does Lender G/L Require MI? | &nbsp;&nbsp;94 | &nbsp;&nbsp;522 | &nbsp;&nbsp;18.01% |
| &nbsp;&nbsp;Entity Holding Title | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Escrow Account Indicator | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Forbearance Plan Start Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.49% |
| &nbsp;&nbsp;HELOC Draw Period (Yrs) | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;HELOC Draw Period End Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;70 | &nbsp;&nbsp;522 | &nbsp;&nbsp;13.41% |
| &nbsp;&nbsp;Interest Calculation Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Interest Only Period? | &nbsp;&nbsp;9 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Interest Paid Through Date | &nbsp;&nbsp;39 | &nbsp;&nbsp;522 | &nbsp;&nbsp;7.47% |
| &nbsp;&nbsp;Is in Forbearance Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Is Property in A Flood Zone? | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Is REO Active? | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Last Payment Received Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;Late Charge Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Lien Priority Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Loan Amortization Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Loan Documentation Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Loan Original Maturity Term Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;MERS MIN Number | &nbsp;&nbsp;3 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;MI Certificate Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;MI Company | &nbsp;&nbsp;6 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;MI Coverage Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;MIM Multiple Indebtedness Mortgage Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Mod Step Indicator | &nbsp;&nbsp;54 | &nbsp;&nbsp;522 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;Modification Amount Capitalized | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Modification Stated Term | &nbsp;&nbsp;7 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;6 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;52 | &nbsp;&nbsp;522 | &nbsp;&nbsp;9.96% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;59 | &nbsp;&nbsp;522 | &nbsp;&nbsp;11.30% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;12 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;84 | &nbsp;&nbsp;522 | &nbsp;&nbsp;16.09% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;76 | &nbsp;&nbsp;522 | &nbsp;&nbsp;14.56% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;229 | &nbsp;&nbsp;522 | &nbsp;&nbsp;43.87% |
| &nbsp;&nbsp;Original Stated P&I | &nbsp;&nbsp;25 | &nbsp;&nbsp;522 | &nbsp;&nbsp;4.79% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;12 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Pay Change Frequency | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |

---

15 \| P a g e

![](ex99-2_002.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Payment History String | &nbsp;&nbsp;202 | &nbsp;&nbsp;522 | &nbsp;&nbsp;38.70% |
| &nbsp;&nbsp;Property Address Street | &nbsp;&nbsp;97 | &nbsp;&nbsp;522 | &nbsp;&nbsp;18.58% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;11 | &nbsp;&nbsp;522 | &nbsp;&nbsp;2.11% |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;4 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.77% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Purpose of Refinance Per HUD-1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;522 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;522 | &nbsp;&nbsp;9.96% |
| &nbsp;&nbsp;Purpose Per Application | &nbsp;&nbsp;6 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;S&C Filing Date | &nbsp;&nbsp;30 | &nbsp;&nbsp;522 | &nbsp;&nbsp;5.75% |
| &nbsp;&nbsp;Sales Price (HUD-1 Line 101) | &nbsp;&nbsp;8 | &nbsp;&nbsp;522 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Stated Maturity Date | &nbsp;&nbsp;43 | &nbsp;&nbsp;522 | &nbsp;&nbsp;8.24% |
| &nbsp;&nbsp;Stated Remaining Term | &nbsp;&nbsp;130 | &nbsp;&nbsp;522 | &nbsp;&nbsp;24.90% |
| &nbsp;&nbsp;Subject Property Detached/Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;66 | &nbsp;&nbsp;522 | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;Subsequent Rate Adjustment Frequency | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Total Balance of Junior Lien(s) | &nbsp;&nbsp;42 | &nbsp;&nbsp;522 | &nbsp;&nbsp;8.05% |
| &nbsp;&nbsp;Total Balance of Superior Lien(s) | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Total Forgiven Principal Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Total Liquid Assets Verified | &nbsp;&nbsp;2 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;Trial Modification Agreement in file? | &nbsp;&nbsp;5 | &nbsp;&nbsp;522 | &nbsp;&nbsp;0.96% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (522 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;426 | &nbsp;&nbsp;81.61% | &nbsp;&nbsp;$135416570.79 | &nbsp;&nbsp;74.53% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;94 | &nbsp;&nbsp;18.01% | &nbsp;&nbsp;$46025875.00 | &nbsp;&nbsp;25.33% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$252000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;484 | &nbsp;&nbsp;92.72% | &nbsp;&nbsp;$178486908.12 | &nbsp;&nbsp;98.23% |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;38 | &nbsp;&nbsp;7.28% | &nbsp;&nbsp;$3207537.67 | &nbsp;&nbsp;1.77% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

![](ex99-2_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.77% | &nbsp;&nbsp;$393251.49 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown | &nbsp;&nbsp;144 | &nbsp;&nbsp;27.59% | &nbsp;&nbsp;$45286079.32 | &nbsp;&nbsp;24.92% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;143 | &nbsp;&nbsp;27.39% | &nbsp;&nbsp;$50929152.00 | &nbsp;&nbsp;28.03% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;146 | &nbsp;&nbsp;27.97% | &nbsp;&nbsp;$52076416.98 | &nbsp;&nbsp;28.66% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;61 | &nbsp;&nbsp;11.69% | &nbsp;&nbsp;$23076181.00 | &nbsp;&nbsp;12.70% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$926375.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.21% | &nbsp;&nbsp;$9006990.00 | &nbsp;&nbsp;4.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$2904375.00 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;191 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$543950.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;23 | &nbsp;&nbsp;4.41% | &nbsp;&nbsp;$5661384.97 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;300 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.57% | &nbsp;&nbsp;$923200.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;348 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$80900.00 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;455 | &nbsp;&nbsp;87.16% | &nbsp;&nbsp;$162162942.82 | &nbsp;&nbsp;89.25% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;$3951900.00 | &nbsp;&nbsp;2.18% |
| &nbsp;&nbsp;Blank | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.07% | &nbsp;&nbsp;$5465793.00 | &nbsp;&nbsp;3.01% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;443 | &nbsp;&nbsp;84.87% | &nbsp;&nbsp;$155573127.31 | &nbsp;&nbsp;85.62% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$5229791.00 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;65 | &nbsp;&nbsp;12.45% | &nbsp;&nbsp;$20891527.48 | &nbsp;&nbsp;11.50% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-2_002.jpg)

**PAY HISTORY REVIEW**

Infinity performed a collection comment, pay history, Pacer, and servicing information review on five hundred and twenty-two (522) loans within this pool. The following is a summary of our conclusions and findings surrounding this analysis. Please keep in mind that this review did not include an operational or gap audit to look for servicing practices and vendor management process governance as it relates to foreclosure and/or bankruptcy.

Infinity reviewed the servicer payment history for each loan to establish a payment activity and history string. Infinity reviewed the payment application and determined how it impacted the contractual due dates on the loans in the portfolio with the primary focus of determining cash flows, last payment received, payment string, and next payment due (not to exclude escrow, late, and servicing charges) information based on the as of dates of the payment histories received.

A breakdown of the loans and as of dates for the review are below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Pay History** | &nbsp;&nbsp;**Pay History** |
| &nbsp;&nbsp;**As of Date** | &nbsp;&nbsp;**Total Loans** |
| &nbsp;&nbsp;8/21/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;8/23/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/3/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/11/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/25/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;9/30/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/14/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/22/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/23/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;10/25/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/28/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;10/29/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/30/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;10/31/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/1/2024 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;11/4/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/5/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/6/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;11/7/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;11/11/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/12/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;11/13/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/14/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/15/2024 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;11/16/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/18/2024 | &nbsp;&nbsp;13 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;11/19/2024 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;11/20/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/21/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/24/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;11/25/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;11/27/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/29/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;11/30/2024 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;12/2/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;12/3/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;12/4/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/5/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/7/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/9/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/10/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;12/11/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/12/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;12/13/2024 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;12/16/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/17/2024 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;12/18/2024 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;12/19/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/20/2024 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;12/26/2024 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;12/30/2024 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;12/31/2024 | &nbsp;&nbsp;135 |
| &nbsp;&nbsp;1/2/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/3/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/6/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/7/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/8/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;1/9/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/10/2025 | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;1/14/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/15/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/16/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/17/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/19/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/20/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;1/21/2025 | &nbsp;&nbsp;1 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;1/22/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/23/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;1/24/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/27/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/30/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;1/31/2025 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;2/1/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;2/3/2025 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;2/4/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;2/5/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;2/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/7/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;2/8/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;2/10/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;2/11/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/14/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;2/17/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/18/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;2/19/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;2/20/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/22/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;2/26/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/27/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;2/28/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;3/1/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/4/2025 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;3/5/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/6/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/7/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/10/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/11/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/12/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;3/13/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/17/2025 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;3/18/2025 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;3/20/2025 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;3/24/2025 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;3/26/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/28/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;3/31/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/1/2025 | &nbsp;&nbsp;1 |

---

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![](ex99-2_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;4/2/2025 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;4/4/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/5/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/8/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/9/2025 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;4/11/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;4/21/2025 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** |

---

Data points surrounding 24 months of payment history (as defined as the most recent 24 months available during the period of August 2024 to April 2025) were also collected to determine loan status and data integrity. Infinity identified minor discrepancies between the servicer's payment string and the audited payment string and determined that Client was able to provide an explanation, when applicable, for any noted discrepancies. Based on our analysis, Infinity determined that the majority of the loans were found to be performing.

**METHODS OF ACCOUNTING FOR DELINQUENCIES**

The client utilizes the MBA method of defining delinquency status, which is typical in the current market. Below is a table that represents the delinquency coding methodology used during our analysis.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Delinquency<br> String** | &nbsp;&nbsp;**Delinquency Reason** |
| &nbsp;&nbsp;0 | &nbsp;&nbsp;Less than 30 Days |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;30 – 59 Days |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;60 – 89 Days |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;90 – 119 Days |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;120+ Days |

---

**Payment Posting**

During the review, Infinity was able to isolate key payment transaction codes that identified payment receipt and helped to determine whether the transactions were posted with an accurate "effective date". The net payment amount received and applied to the account including principal, interest, and escrow payments represent activity through month end and include payment reversals.

**Partial Payments**

In the event that a payment received from the borrower is less than the contractual amount due, there are two types of processes used by sellers to handle partial payments: 1) the balance of the payment would be "advanced" to the borrower, or 2) the payment was applied directly to unapplied funds / suspense account.

In the second scenario, the funds are applied to the suspense account, and not the account balance, and therefore the amount of such payment is not recorded as an actual payment in the Client system. The funds may then be held in suspense until the full contractual payment was received.

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**Escrow/Corporate Advance Payments**<sup>1</sup>

*Escrow:* The escrow account and/or balance will show funds held in trust to pay taxes and/or insurance. A negative balance indicates that funds have been advanced.

 

*Corporate Advance:* Infinity did not perform a reconciliation of the corporate advances, but did document the total dollar amount of fees advanced by the servicer and made observations in regards to the application of payments made toward the reduction of outstanding balances as represented in the payment history.<sup>2</sup>

**COLLECTION COMMENTS REVIEW**

In addition to analyzing payments made to the loans within this pool, Infinity also reviewed the servicing commentary to determine the reason(s) for any documented underperformance of the asset and to identify any indication of potential re-performance.

Infinity will review the servicing history for evidence of mortgage delinquency and for indicators of potential for future delinquency. The Servicing review will include but not necessarily be limited to:

✔ The source data is generally a pdf, text file, or direct access to the servicer's system.

---

| | |
|:---|:---|
| ✔ | 24 months of Servicing Comments: Infinity reviewed the services account history for evidence of borrower communication, collection efforts, NSF and late notices and indicators of potential for future default. Any references of borrower misrepresentation or distressed property conditions were documented with an exception. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Servicing commentary was analyzed
to determine the reason for the asset's underperformance and to identify clues regarding the potential risk for the loan and their
ability to re-perform in the future. Additionally, distressed property conditions, occupancy issues, origination misrepresentations, etc.
were identified through the review of these servicing/collection comments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property conditions were reviewed
to determine if there were any risks to the collateral.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The current status of the loan of
Loss Mitigation, Bankruptcy, Foreclosure, and/or SCRA was isolated to show the loan status. We verified the Bankruptcy via Pacer. Infinity
followed the following methodology when assigning a delinquency status:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Performing:* Current or less than 30 days past due

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Delinquent in Collection:* At least 30 days past due and
may include loans in bankruptcy or forbearance plans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *In Bankruptcy and may include:* 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Current:* Current, but comments indicate an active bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o *BK-Delinquent*: Delinquent, comments also indicate active
bankruptcy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For Bankruptcy reviews we reviewed the documents and information
provider by Pacer – we obtained key documents from the PACER system to include (if available) – Document History page, Case
Summary, Motion for Relief from Stay, Granted Motion, Employee Income Records, Order Confirming Chapter 13 Plan, Proof of Claim for subject
loan, and Chapter 13 Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Loss Mitigation*: Delinquent, loan is with loss mitigation
department working on resolutions with borrower such as modification, short sale, refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *Foreclosure*: Delinquent, foreclosure process is underway

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ *REO:* Foreclosure sale has occurred, property is bank owned

<sup>1</sup> Corporate advances may be deferred until the end of the loan and may not be recoverable. <br> <sup>2</sup> Client noted that some funds were not separately categorized at the time of the review due multiple servicers handing the loans.

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✔ Modification Data: Infinity captured Note data for most recent modification where applicable.

---

| | |
|:---|:---|
| ✔ | Exit Strategy: Infinity reviewed the complete loan file to determine the most effective exit strategy by bucketing loans into various strategic categories. We analyze the current value, income, and the borrower's overall willingness to stay in the home and pay their loan obligations. Those customers who contact the creditor to seek information, explanation of the amount due and/or inquire about or attempt make a payment require customer service. With this information, one will be able to effectively perform a modification, forbearance plan, or select a refinancing and/or cram down option. |

---

---

| | |
|:---|:---|
| ⮚ | Unfortunately, not every borrower showed the willingness and ability to keep the subject property. Those customers who did not respond and attempted to avoid or delay payment for as long as possible require collection enforcement. In cases like this, Infinity reviewed the file for the best course of action is to minimize any more losses by either taking a short sale, Deed in Lieu or by taking the property to liquidation by foreclosure. |

---

Based on the comments reviewed within the collection comments, Infinity has categorized the portfolio as follows:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** | &nbsp;&nbsp;**Loan Program Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage of<br> Balance** |
| &nbsp;&nbsp;Bankruptcy | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.72% | &nbsp;&nbsp;$3508329.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;Collections | &nbsp;&nbsp;22 | &nbsp;&nbsp;4.21% | &nbsp;&nbsp;$6604186.00 | &nbsp;&nbsp;3.63% |
| &nbsp;&nbsp;Foreclosure | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$780545.00 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;3rd Party Sale | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Payment Plan | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Performing | &nbsp;&nbsp;489 | &nbsp;&nbsp;93.68% | &nbsp;&nbsp;$170801385.79 | &nbsp;&nbsp;94.00% |
| &nbsp;&nbsp;REO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Paid in Full | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Litigation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

**FORECLOSURE**

Client servicing comments indicated multiple items to assist with determining this status either a system generated breach letter was issued, if the loan was referred to a foreclosure review committee, approved to proceed, or if the loan was assigned to outside counsel or the updated title provided details of a Lis Pendens. Based on the collection comments, Infinity determined that there were no loans that indicated some type of Foreclosure action.

**BANKRUPTCY**

Collection comments indicate that the most available action showed loans had bankruptcy at one time. Some loans bankruptcy includes efforts for a motion for relief and proof of claim filings. However, comments that relate to filing the proof of claim, 341 meeting, and motions were not found on all loans, so it was difficult to determine the full action or status as related to the bankruptcy process. Infinity determined that there were forty-nine (49) loans (9.39%) that indicated some type of Bankruptcy action. Overall, the loans with a bankruptcy status were summarized as follows:

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![](ex99-2_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** | &nbsp;&nbsp;**Bankruptcy Status Report** |
| &nbsp;&nbsp;**Servicing Status** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage of<br> Sample** | &nbsp;&nbsp;**Original Balance (or Line<br> Amount)** | &nbsp;&nbsp;**Percentage<br> of Balance** |
| &nbsp;&nbsp;Not Applicable | &nbsp;&nbsp;472 | &nbsp;&nbsp;90.42% | &nbsp;&nbsp;$167721985.18 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Plan Confirmed | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;$588911.48 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Discharged | &nbsp;&nbsp;31 | &nbsp;&nbsp;5.94% | &nbsp;&nbsp;$7820056.13 | &nbsp;&nbsp;4.30% |
| &nbsp;&nbsp;Dismissed | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.92% | &nbsp;&nbsp;$2919643.00 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Lift Stay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Proof of Claim | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Petition Filed | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Stipulated Agreement | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Referred to Attorney | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$171600.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$1472250.00 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$181694445.79** | &nbsp;&nbsp;**100.00%** |

---

**TAX AND TITLE**

Infinity performed a limited-scope review of recent title reports provided by the client's vendor. (reports provided by Pro-Title). Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes. We noted liens and itemized liens up to 2 Senior and 3 Junior (all others will be summarized in the title findings summary).

We reviewed the subject file as provided by the client/seller and determine if the HUD and Title work performed at origination would indicate coverage and/or lien risk. These documents were used to offset items noted on the current title report which may lower the client's/loan level risk.

If any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were no non-curable significant issues on the mortgaged properties.

**<u>Tax/Municipal Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Taxes – Current or Delinquent** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Current with all Taxes | &nbsp;&nbsp;500 |
| &nbsp;&nbsp;Delinquent at the time of the review<sup>3</sup> | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Tax information unavailable | &nbsp;&nbsp;1 |

---

<sup>3</sup> Any delinquent tax amounts were addressed by the Servicer in accordance with its standard servicing procedures in order to ensure that the senior lien of the related Mortgage is maintained on the related Mortgaged Property. In addition to the Title Review conducted by the Infinity at the time of acquisition, the Servicer is monitoring the Mortgage Loans to check for delinquent taxes on the related Mortgaged Properties.

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**<u>Title/Lien Portion</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Lien Level Review** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;First Lien | &nbsp;&nbsp;431 |
| &nbsp;&nbsp;Second Lien <sup>4</sup> | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;Other Lien <sup>5</sup> | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**522** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Type of Liens** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;HOA Lien in Super Lien State | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Municipal Lien in Super Lien State | &nbsp;&nbsp;6 |

---

**COMPLIANCE REVIEW<sup>6</sup>**

Infinity performed a compliance review on all of the loans in the sample in order to verify that each loan was originated in compliance with applicable federal, state and local anti-predatory lending statutes. If a loan was found to exceed applicable thresholds, additional testing was conducted to confirm additional criteria were met, and proper disclosure was provided to the borrower.

To accomplish this, Infinity captured all itemized closing fees as shown on the final HUD-1, or other acceptable settlement statement, as well as other data elements necessary to generate accurate high-cost threshold testing results. Annual Percentage Rates were recalculated based on the actual data in the file.<sup>7</sup>

Each mortgage loan file was tested for compliance with the federal Truth in Lending Act ("TILA"), as well as federal, state and local anti-predatory lending statutes.

The Section 32/HOEPA<sup>8</sup> review included, but was not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Rate test

&nbsp;&nbsp;&nbsp;&nbsp;· HPML test, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;· Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;· Review of Section 32 disclosure for
accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;· Review and confirmation of documentation
type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;· Review for evidence of prepayment
penalty

&nbsp;&nbsp;&nbsp;&nbsp;· Verification of Debt-to-Income conformity,
when necessary.

<sup>4</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>5</sup> The client has made arrangements to perfect the lien level issues- by corrective recording action, title claims, or lien release actions.

<sup>6</sup> Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review.

<sup>7</sup> Note that loans had rate documentation and those parameters were analyzed for adherence to federal, state and local rate thresholds by utilizing the disclosed APR on the final Truth in Lending Disclosure found in the file.

<sup>8</sup> There is a 3-year statute of limitations for affirmative claims and the position is that assigned liability is quite limited thereafter. That said, many states allow actions in recoupment. This is where the holder institutes foreclosure after 3 years and the SOL is tolled and counterclaims allowed, basically for the life of the loan. If the borrower prevailed damages could be as high as the full amount of the loan.

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The Federal Truth in Lending Act/Regulation Z review includes, but is not necessarily limited to:

&nbsp;&nbsp;&nbsp;&nbsp;· A review of the material compliance
disclosures set forth in the Truth in Lending Disclosure and the Notice of Right to Cancel form, if applicable. A review final TIL with
a report outlining any TILA violations. Re-calculation of disclosed finance charge, proper execution by all required parties, principal
and interest calculations, payment stream(s), recalculation of disclosed APR, and a review to ensure disclosure differences are within
the allowed tolerances. A review of the Notice of Right to Cancel: verification of the transaction date and expiration date, ensures proper
execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission
period was adequately provided to the borrower(s).

Infinity reviewed five hundred and twenty-two (522) loan files and found the loans to be generally compliant with applicable laws or outside any statute of limitation (SOL). There were total of ninety-four (94) loans that were not tested for compliance of which twenty-one (21) loans that were missing HUD Settlement Statement, sixty-five (65) loans were Investment Properties or exempted, four (4) loans were originated prior to 1995, one (1) loan was originated as second lien and three (3) loans were originated as HELOCs.

The following is a detailed breakdown of the findings for the loans noted:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Active Compliance Exceptions** | &nbsp;&nbsp;**Active Compliance Exceptions** |
| &nbsp;&nbsp;**Standard Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Prepayment Penalty Rider Missing | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Finance Charge Under Disclosed | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Missing Final TIL | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Missing Right to Cancel Form or not properly executed | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Missing HUD-1/CD9 | &nbsp;&nbsp;68 |
| &nbsp;&nbsp;Missing documents (unable to test for compliance)<sup>10</sup> | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Georgia Fair Lending Act - GAFLA<sup>11</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Ability to Repay<sup>12</sup> | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Home Equity Mortgage | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Texas Constitution Section 50(a)(6) Evidentiary Finding | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost loans outside SOL | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost No Assignee Liability | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;State High Cost Not-compliant | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State High Cost inconclusive<sup>13</sup> | &nbsp;&nbsp;0 |

---

<sup>9</sup> We had sixty-eight (68) missing and unexecuted HUDs and were not able to run compliance on twenty (20). For remaining forty-eight (48) missing HUDs; forty (40) had run using the TIL itemizations/ Estimated HUDs/ improperly scanned copy, four (4) were investment properties, three (3) were originated prior to 1995 and one (1) was originated as second lien.

<sup>10</sup> Loans that could not be tested due to lack of missing documentation.

<sup>11</sup> The Georgia Fair Lending Act (GAFLA) was originally signed into law on April 22, 2002, became effective on October 1, 2002, and was subsequently amended on March 7, 2003. This law had a significant impact on Georgia residential mortgage lending and brokering activities. These passed the APR and Fees and Points Threshold. None loans have been identified in pool that is originated within GAFLA Period.

<sup>12</sup> We are unable to verify code Special Feature Code 147 or determine if it falls under the safe harbor and truly fails ATR.

<sup>13</sup> Each of these were not tested to exceed state APR and/or points and fees thresholds, but rather could not be definitively tested due to lack of documentation in the loan files regarding discount points.

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![](ex99-2_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;HOEPA High Cost Not-compliant<sup>14</sup> | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA (compliant) | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;HOEPA inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;RESPA and TILA issues | &nbsp;&nbsp;49 |
| &nbsp;&nbsp;APR Under Disclosed | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Missing Rate sheet/Discount Point Acknowledgement | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Loan proceeds disbursed prior to the expiration of the rescission period. | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Higher-Priced Mortgage (compliant) | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Higher-Priced Mortgage Not-compliant | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Higher-Priced Mortgage inconclusive | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Qualified Mortgage DTI exceeds 43% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;State Regulation Fail | &nbsp;&nbsp;70 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**411<sup>15</sup>** |

---

Note that compliance exceptions outside the statute of limitations were considered a non-critical exception for purposes of this review. Infinity identified thirty-nine (39) loans with Truth in Lending Act (TILA) related exceptions that fell outside the three (3) year statute of limitations<sup>16</sup>.

Infinity did not identify a significant number of prepayment penalties for nonconformity to state guidelines. Some loans were originated by federally chartered lenders that took advantage of the preemptive authority of DIDMCA and AMTPA. Under these circumstances, the prepayment penalty provision was considered exempt from any state statutory limitations. If a loan was not exempt due to a preemption claim, it was Client practice to lower the prepayment penalty to the statutory limit.

<sup>14</sup> These are included in the pool based on the mitigating factors (namely seasoning and performance).

<sup>15</sup> This is the total number of items and not total number of loans.

<sup>16</sup> On the forty-seven (47) Infinity is noting the TILA violation, itself. These refer to under disclosures and missing TILA documents. Infinity was not referring to the other RESPA related documents, GFE, Mortgage Disclosures, Affiliated Business Disclosure, Initial Escrow Statement, and Servicing Transfer Statement. There were some loans that failed both for Under Disclosed fees and points and APR.

27 \| P a g e

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |  |  |  |  |  |  |
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 82386615 | xx | xx | Age of Loan | 5 | 18 | -13 | -72.22222% | Age of loan is 5. | Initial |
| 82386615 | xx | xx | Borrower DTI Ratio Percent | 37.676% | 37.834% | -0.158% | -0.15800% |  | Initial |
| 82386615 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 82386615 | xx | xx | Loan Documentation Type | Full Documentation | Alternative |  |  | As per loan document. | Initial |
| 82386615 | xx | xx | Original Note Doc Date | xx | xx | 21 (Days) |  | As per loan document original note is xx. | Initial |
| 19046639 | xx | xx | Borrower DTI Ratio Percent | 32.822% | 54.367% | -21.545% | -21.54500% | Borrower DTI Ratio Percent is 32.822% | Initial |
| 19046639 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.655% | 44.152% | -17.497% | -17.49700% | Housing Ratio Per U/W (Initial Rate) is 26.655% | Initial |
| 19046639 | xx | xx | Trial Modification Agreement in file? | Yes | No |  |  | NA. | Initial |
| 70508301 | xx | xx | Borrower DTI Ratio Percent | 46.985% | 43.922% | 3.063% | 3.06300% | Borrower DTI Ratio Percent is 46.985%. | Initial |
| 70508301 | xx | xx | Housing Ratio per U/W (Initial Rate) | 39.765% | 37.173% | 2.592% | 2.59200% | Housing Ratio Per U/W(Initial Ratio) is 39.765%. | Initial |
| 70508301 | xx | xx | MI Certificate Number | xx | xx |  |  |  | Initial |
| 70508301 | xx | xx | MI Company | Unavailable | xx |  |  | MI Company is Not Applicable. | Initial |
| 24881010 | xx | xx | ARM Index Type | 30-day Average SOFR | Secured Overnight Financing Rate (SOFR) |  |  | 30-days average SOFR | Initial |
| 24881010 | xx | xx | Borrower #2 First Name | xx | xx |  |  | BWR#2 first name is xx. | Initial |
| 24881010 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Actual BWR #2 last name is xx. | Initial |
| 24881010 | xx | xx | Borrower DTI Ratio Percent | 24.033% | 24.419% | -0.386% | -0.38600% | DTI is 24.033% | Initial |
| 24881010 | xx | xx | Original Appraisal Date | xx | xx | -111 (Days) |  | Appraisal date is xx. | Initial |
| 24881010 | xx | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject property is Mid Rise Conso(1-4 stories). | Initial |
| 23839692 | xx | xx | Borrower DTI Ratio Percent | 44.395% | 44.258% | 0.137% | 0.13700% | Borrower DTI ratio percent is 44.395%. | Initial |
| 23839692 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 23839692 | xx | xx | Housing Ratio per U/W (Initial Rate) | 37.463% | 3992.900% | -3955.437% | -3955.43700% | Housing ratio per U/W is 37.463%. | Initial |
| 23839692 | xx | xx | Lien Priority Type | Second | Other |  |  | Lien Priority type is second. | Initial |
| 23839692 | xx | xx | Original CLTV Ratio Percent | xx | xx | -3.890% | -3.89000% | Original CLTV ratio percent is unavailable. | Initial |
| 23839692 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 72.102% | 72.10200% | Original standard LTV (OLTV) is unavailable. | Initial |
| 23839692 | xx | xx | Payment History String | 00 | 0x30 |  |  | NA | Initial |
| 26941205 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.37 | 1.17 | 0.20 | 17.09401% | Debt service coverage ratio is 1.37%. | Initial |
| 26941205 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 26941205 | xx | xx | Payment History String | 000 | 0x30 |  |  |  | Initial |
| 98061323 | xx | xx | Housing Ratio per U/W (Initial Rate) | 44.219% | 4421.900% | -4377.681% | -4377.68100% | As per calculation housing ratio is 44.21%. | Initial |
| 98061323 | xx | xx | Original CLTV Ratio Percent | xx | xx | 5.679% | 5.67900% | As per calculation original CLTV ratio is xx%. | Initial |
| 98061323 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 70.627% | 70.62700% | As per calculation original LTV ratio is xx. | Initial |
| 98061323 | xx | xx | Payment History String | 000 | 0x30 |  |  |  | Initial |
| 13890517 | xx | xx | Borrower DTI Ratio Percent | 49.577% | 53.280% | -3.703% | -3.70300% | BWR DTI ratio percent is 49.577%. | Initial |
| 13890517 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 13890517 | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| 13890517 | xx | xx | Last Payment Received Date | 10/2/2024 | 9/1/2024 | 31 (Days) |  | NA | Initial |
| 13890517 | xx | xx | Lien Priority Type | Second | First |  |  | Lien position is second. | Initial |
| 13890517 | xx | xx | Payment History String | 00000 | 000000XXXXXX |  |  | NA | Initial |
| 41115391 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 41115391 | xx | xx | Is REO Active? | Not Applicable | No |  |  | NA | Initial |
| 41115391 | xx | xx | Last Payment Received Date | 10/15/2024 | 9/15/2024 | 30 (Days) |  | 10/15/2024 | Initial |
| 48768965 | xx | xx | Borrower DTI Ratio Percent | 23.495% | 23.494% | 0.001% | 0.00100% | Borrower DTI ratio percent is 23.495%. | Initial |
| 48768965 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 48768965 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 48768965 | xx | xx | Last Payment Received Date | 10/17/2024 | 9/14/2024 | 33 (Days) |  |  | Initial |
| 48768965 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.688% | 1.68800% | Original CLTV ratio percent is xx%. | Initial |
| 48768965 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.688% | 1.68800% | Original Standard LTV (OLTV) is xx. | Initial |
| 48768965 | xx | xx | Payment History String | 0000000000000000 | 000000000000 |  |  |  | Initial |
| 84366416 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 84366416 | xx | xx | Is REO Active? | Not Applicable | No |  |  |  | Initial |
| 84366416 | xx | xx | Lien Priority Type | Second | First |  |  | second | Initial |
| 84366416 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 68.926% | 68.92600% |  | Initial |
| 84366416 | xx | xx | Payment History String | 000 | 0000XXXXXXXX |  |  | 000 | Initial |
| 45027565 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 45027565 | xx | xx | Original CLTV Ratio Percent | xx | xx | -3225.412% | -3225.41200% | Original CLTV is xx%. | Initial |
| 45027565 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -3226.218% | -3226.21800% | Original standard LTV is xx. | Initial |
| 45027565 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 17569139 | xx | xx | Borrower #2 First Name | Not Applicable | xx |  |  | Borrower first name is N/A. | Initial |
| 17569139 | xx | xx | Borrower #2 Last Name | Not Applicable | xx |  |  | Borrower #2 is N/A. | Initial |
| 17569139 | xx | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | Borrower #2 is N/A. | Initial |
| 17569139 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 17569139 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 17569139 | xx | xx | Original CLTV Ratio Percent | xx | xx | -3449.158% | -3449.15800% | Original CLTV is xx%. | Initial |
| 17569139 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -3449.357% | -3449.35700% | Original standard LTV is xx. | Initial |
| 33963270 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | As per note BWR #1 middle name is xx. | Initial |
| 33963270 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | As per note BWR #2 middle name is xx. | Initial |
| 33963270 | xx | xx | Borrower DTI Ratio Percent | 44.113% | 44.112% | 0.001% | 0.00100% | As per calculation DTI at 44.113%. | Initial |
| 33963270 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N.A. | Initial |
| 33963270 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7919.000% | -7919.00000% | As per calculation CLTV ratio is xx%. | Initial |
| 33963270 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7919.990% | -7919.99000% | As per calculation LTV ratio is xx. | Initial |
| 33963270 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal report property type is PUD. | Initial |
| 9262517 | xx | xx | Borrower DTI Ratio Percent | 15.564% | 15.563% | 0.001% | 0.00100% | As per calculation BWR DTI is 15.564%. | Initial |
| 9262517 | xx | xx | Original CLTV Ratio Percent | xx | xx | -8909.000% | -8909.00000% | As per calculation CLTV ratio is xx%. | Initial |
| 9262517 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8909.996% | -8909.99600% | As per calculation LTV ratio is xx. | Initial |
| 9262517 | xx | xx | Property Address Street | xx | xx |  |  | Actual data shows property address street is xx. | Initial |
| 8929549 | xx | xx | Borrower DTI Ratio Percent | 49.973% | 49.977% | -0.004% | -0.00400% | Borrower DTI Ratio Percent is 30.307% | Initial |
| 8929549 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 8929549 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7920.000% | -7920.00000% | Original OLTV Ratio Percent is xx% | Initial |
| 8929549 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV(OLTV) is xx | Initial |
| 8929549 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 8929549 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 55182521 | xx | xx | Borrower DTI Ratio Percent | 49.737% | 49.611% | 0.126% | 0.12600% | Borrower DTI Ratio Percent is 21.165% | Initial |
| 55182521 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 55182521 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7402.229% | -7402.22900% | Original CLTV Ratio Percent is xx% | Initial |
| 55182521 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7264.403% | -7264.40300% | Original Standard LTV (OLTV) is xx. | Initial |
| 64603009 | xx | xx | Borrower DTI Ratio Percent | 44.515% | 44.514% | 0.001% | 0.00100% | DTI is 44.515% | Initial |
| 64603009 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 64603009 | xx | xx | Original CLTV Ratio Percent | xx | xx | -8909.000% | -8909.00000% | CLTV is xx% | Initial |
| 64603009 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8909.989% | -8909.98900% | LTV is xx | Initial |
| 64603009 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 19258439 | xx | xx | Borrower DTI Ratio Percent | 29.815% | 30.156% | -0.341% | -0.34100% |  | Initial |
| 19258439 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 19258439 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7920.000% | -7920.00000% |  | Initial |
| 19258439 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% |  | Initial |
| 19258439 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 5786798 | xx | xx | Borrower DTI Ratio Percent | 22.441% | 22.440% | 0.001% | 0.00100% | Borrower DTI ratio percent is 20.613%. | Initial |
| 5786798 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 5786798 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7847.729% | -7847.72900% | Original CLTV ratio percent is xx%. | Initial |
| 5786798 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7847.862% | -7847.86200% | Original standard LTV(OLTV) is xx. | Initial |
| 5786798 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 5786798 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 71497699 | xx | xx | Borrower DTI Ratio Percent | 40.366% | 40.667% | -0.301% | -0.30100% | Borrower DTI Ratio Percent is 8.422% | Initial |
| 71497699 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 71497699 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7919.000% | -7919.00000% | Original CLTV Ratio Percent is Unavailable | Initial |
| 71497699 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7919.980% | -7919.98000% | Original Standard LTV(OLTV) Unavailable. | Initial |
| 71497699 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 30313602 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 77225100 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender MI cert is missing. | Initial |
| 77225100 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7425.000% | -7425.00000% | Original CLTV ratio is xx%. | Initial |
| 77225100 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original standard LTV is xx. | Initial |
| 77225100 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 77225100 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 71804520 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 71944012 | xx | xx | Borrower DTI Ratio Percent | 40.033% | 40.032% | 0.001% | 0.00100% | BWR DTI ratio is 40.033% | Initial |
| 71944012 | xx | xx | Original CLTV Ratio Percent | xx | xx | -9405.000% | -9405.00000% | Original CLTV ratio xx% | Initial |
| 71944012 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9405.000% | -9405.00000% | Original Standard LTV xx | Initial |
| 33559824 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 33559824 | xx | xx | Original CLTV Ratio Percent | xx | xx | -2824.467% | -2824.46700% | Original CLTV Ratio Percent is xx% | Initial |
| 33559824 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -2824.751% | -2824.75100% | Original Standard LTV(OLTV) is xx | Initial |
| 22796233 | xx | xx | Borrower DTI Ratio Percent | 38.556% | 38.555% | 0.001% | 0.00100% | Borrower DTI ratio percent is 38.556%. | Initial |
| 22796233 | xx | xx | Original CLTV Ratio Percent | xx | xx | -9603.000% | -9603.00000% | Original CLTV ratio percent is xx%. | Initial |
| 22796233 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9603.000% | -9603.00000% | Original Standard LTV (OLTV) is xx. | Initial |
| 22796233 | xx | xx | Property Address Street | xx | xx |  |  | Actual data shows property address is xx. | Initial |
| 32473677 | xx | xx | Application Date (Baseline script version) | xx | xx | 29 (Days) |  | As per final 1003 application date is xx. | Initial |
| 32473677 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  |  | Initial |
| 32473677 | xx | xx | Borrower DTI Ratio Percent | 45.592% | 44.504% | 1.088% | 1.08800% | As per calculation DTI is 45.592%. | Initial |
| 32473677 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 9934019 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 9934019 | xx | xx | Payment History String | 000000004444444444321000 | 111111000000 |  |  |  | Initial |
| 9934019 | xx | xx | Stated Maturity Date | xx | xx | 4140 (Days) |  |  | Initial |
| 58984488 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 58984488 | xx | xx | Payment History String | 0100001000000000 | 642115300 |  |  |  | Initial |
| 58984488 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | N/A. | Initial |
| 78462575 | xx | xx | Borrower DTI Ratio Percent | 48.625% | 51.210% | -2.585% | -2.58500% | Borrower DTI Ratio Percent is 48.625% | Initial |
| 78462575 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 78462575 | xx | xx | Payment History String | 0000000000000000000 | 111111111111 |  |  |  | Initial |
| 75740516 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 75740516 | xx | xx | Payment History String | 000001000000 | 52121100 |  |  | NA. | Initial |
| 56079325 | xx | xx | Borrower DTI Ratio Percent | 25.722% | 25.700% | 0.022% | 0.02200% | Borrower DTI ratio percent is 25.722%. | Initial |
| 56079325 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.024% | 0.02400% | Calculated CLTV ratio is xx. | Initial |
| 56079325 | xx | xx | Payment History String | 0 | 0x30 |  |  |  | Initial |
| 59215508 | xx | xx | Age of Loan | 18 | 20 | -2 | -10.00000% | Age of Loan is 18 | Initial |
| 59215508 | xx | xx | Borrower DTI Ratio Percent | 48.697% | 48.700% | -0.003% | -0.00300% | The DTI ratio is 48.697%. | Initial |
| 59215508 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 59215508 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 59215508 | xx | xx | Original Appraisal Date | xx | xx | -16 (Days) |  | Original Appraisal Date is xx | Initial |
| 59215508 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.001% | 0.00100% | Original Standard LTV (OLTV) is xx. | Initial |
| 59215508 | xx | xx | Payment History String | 0000000000000000000 | 111111111111 |  |  | The PH string is 00000000000000000000. | Initial |
| 59215508 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction per HUD-1 is Cash Out | Initial |
| 77637159 | xx | xx | Age of Loan | 17 | 19 | -2 | -10.52631% | Age of the loan is 17. | Initial |
| 77637159 | xx | xx | Borrower DTI Ratio Percent | 46.405% | 46.400% | 0.005% | 0.00500% | BWR DTI ratio percent is 46.405%. | Initial |
| 77637159 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 77637159 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | N/A. | Initial |
| 77637159 | xx | xx | Original Appraisal Date | xx | xx | -25 (Days) |  | Original appraisal date is xx. | Initial |
| 77637159 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.002% | -0.00200% | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): $0.00. Loan Amount: xx. LTV xx. | Initial |
| 77637159 | xx | xx | Payment History String | 000000000000000000 | 111111121111 |  |  |  | Initial |
| 77637159 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transcation is cxash Out. | Initial |
| 72125483 | xx | xx | Age of Loan | 28 | 31 | -3 | -9.67741% | Age of Loan is 28 | Initial |
| 72125483 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a Modification Change Note Terms? is No | Initial |
| 72125483 | xx | xx | First Payment Date | xx | xx | -10958 (Days) |  | First Payment Date is xx | Initial |
| 72125483 | xx | xx | Original Note Doc Date | xx | xx | 4 (Days) |  | Original Note Doc Date is xx | Initial |
| 66326511 | xx | xx | Age of Loan | 1 | 4 | -3 | -75.00000% |  | Initial |
| 66326511 | xx | xx | Borrower DTI Ratio Percent | 29.775% | 29.540% | 0.235% | 0.23500% |  | Initial |
| 66326511 | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 66326511 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 66326511 | xx | xx | Original Note Doc Date | xx | xx | 6 (Days) |  |  | Initial |
| 66326511 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.003% | 0.00300% |  | Initial |
| 66326511 | xx | xx | Payment History String | 0 | 00BBBBBBBBBBBBBBBBBBBBBB |  |  |  | Initial |
| 66326511 | xx | xx | Stated Remaining Term | 359 | 358 | 1 | 0.27932% |  | Initial |
| 66326511 | xx | xx | Subject Property Type | Manufactured Housing | Single Family |  |  |  | Initial |
| 30485245 | xx | xx | Age of Loan | 2 | 5 | -3 | -60.00000% | Age of Loan is 2 | Initial |
| 30485245 | xx | xx | Borrower DTI Ratio Percent | 27.808% | 27.810% | -0.002% | -0.00200% | Borrower DTI Ratio Percent 27.808% | Initial |
| 30485245 | xx | xx | First Payment Date | xx | xx | 31 (Days) |  | First Payment Date is xx | Initial |
| 30485245 | xx | xx | Interest Paid Through Date | 8/1/2024 | 10/1/2024 | -61 (Days) |  | Interest Paid Through Date is 8/1/2024 | Initial |
| 30485245 | xx | xx | Original Note Doc Date | xx | xx | 18 (Days) |  | Original Note Doc Date is xx | Initial |
| 30485245 | xx | xx | Payment History String | 000 | 000BBBBBBBBBBBBBBBBBBBBB |  |  |  | Initial |
| 30485245 | xx | xx | Stated Maturity Date | xx | xx | 31 (Days) |  | Stated MAturity Date is xx | Initial |
| 30485245 | xx | xx | Stated Remaining Term | 358 | 357 | 1 | 0.28011% | Stated Remaining Term is 358 | Initial |
| 90967991 | xx | xx | Age of Loan | 4 | 7 | -3 | -42.85714% | Age of Loan is 4 | Initial |
| 90967991 | xx | xx | Borrower DTI Ratio Percent | 49.572% | 53.220% | -3.648% | -3.64800% | Borrower DTI Ratio Percent is 49.572% | Initial |
| 90967991 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 90967991 | xx | xx | Housing Ratio per U/W (Initial Rate) | 37.638% | 37.640% | -0.002% | -0.00200% | Housing Ratio Per U/W (Initial Rate) is 37.638% | Initial |
| 90967991 | xx | xx | Interest Paid Through Date | 6/1/2024 | 10/1/2024 | -122 (Days) |  | Interest Paid Through Date is 6/1/2024 | Initial |
| 90967991 | xx | xx | Original Note Doc Date | xx | xx | 47 (Days) |  | Original Note Doc Date is xx | Initial |
| 30108614 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #1 middle name is xx. | Initial |
| 30108614 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx | Initial |
| 40143236 | xx | xx | Borrower DTI Ratio Percent | 45.398% | 45.411% | -0.013% | -0.01300% | Borrower DTI Ratio Percent is 45.398% | Initial |
| 40143236 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of Refinance Per HUD-1 is Limited Cash Out(GSE definiti | Initial |
| 40143236 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | Sales Price (HUD-1 Line 101) is Not Applicable | Initial |
| 63035471 | xx | xx | Borrower DTI Ratio Percent | 13.517% | 12.620% | 0.897% | 0.89700% | As per loan documents DTI is 13.517%. | Initial |
| 63035471 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 63035471 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 1.74991% | As per loan documents original balance is xx. | Initial |
| 63035471 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% | As per loan documents CLTV is xx%. | Initial |
| 63035471 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | As per loan documents LTV is xx. | Initial |
| 63035471 | xx | xx | Property Address Street | xx | xx |  |  | As per loan documents property address is xx. | Initial |
| 88044340 | xx | xx | Age of Loan | 21 | 23 | -2 | -8.69565% | Age of loan is 21. | Initial |
| 88044340 | xx | xx | Borrower DTI Ratio Percent | 41.794% | 46.637% | -4.843% | -4.84300% | BWR DTI is 41.794%. | Initial |
| 88044340 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 88044340 | xx | xx | Original Appraised Value | xx | xx | xx | 24.27366% | Appraised value is xx | Initial |
| 9815568 | xx | xx | Age of Loan | 11 | 13 | -2 | -15.38461% | 11 | Initial |
| 9815568 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 9815568 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 19485278 | xx | xx | MI Company | Not Applicable | xx |  |  |  | Initial |
| 19485278 | xx | xx | Payment History String | 000MM1110000000000001000 | 400 |  |  |  | Initial |
| 19485278 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property is PUD. | Initial |
| 14390052 | xx | xx | Payment History String | 000000000000 | 111111111111 |  |  |  | Initial |
| 45280327 | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Investor |  |  | Occupancy at origination is Secondary. | Initial |
| 45280327 | xx | xx | Payment History String | 00 | 110 |  |  | The PH string is 00. | Initial |
| 4756330 | xx | xx | Payment History String | 000000000 | 1111112100 |  |  | NA | Initial |
| 47276638 | xx | xx | Original Stated P&I | xx | xx | xx | 120.64589% | Original P&I is xx. | Initial |
| 47276638 | xx | xx | Payment History String | 00000000000000000 | 111111112111 |  |  | 00000000000000000 | Initial |
| 47276638 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Change in Rate/Term | Initial |
| 47276638 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Un | Initial |
| 47276638 | xx | xx | Subject Property Type | Commercial Prop | Manufactured Housing |  |  |  | Initial |
| 45228569 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 45228569 | xx | xx | Current Bankruptcy Chapter | Chapter 13 | Chapter 7 |  |  |  | Initial |
| 45228569 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 45228569 | xx | xx | Currently in Foreclosure? | Yes | No |  |  |  | Initial |
| 45228569 | xx | xx | Deferred Balance Amount | XX | XX | XX | -7.10492% |  | Initial |
| 45228569 | xx | xx | Doc Date of Last Modification | xx | xx | -38 (Days) |  | N/A. | Initial |
| 45228569 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 45228569 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original note date is xx. | Initial |
| 45228569 | xx | xx | Original Stated Rate | xx | xx | 2.50000% | 2.50000% | Original stated rate is xx. | Initial |
| 45228569 | xx | xx | Payment History String | 004444444444444444443221 | 00010000000000112001230 |  |  |  | Initial |
| 34199967 | xx | xx | Collections - Current Servicer (Enumerated) | Not Applicable | xx |  |  | Collections-Current Servicer(Enumerated) is Not Applicable | Initial |
| 34199967 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34199967 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  | Did a Modification Change Note Terms? is No | Initial |
| 34199967 | xx | xx | Doc Date of Last Modification | Not Applicable | xx |  |  | Doc Date of Last Modification is Not Applicable | Initial |
| 34199967 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 34199967 | xx | xx | Original Stated Rate | xx | xx | 8.25000% | 8.25000% | Original stated rate is xx. | Initial |
| 34199967 | xx | xx | Payment History String | 001444344321210100010011 | 00000000000000000000000 |  |  | Payment History String is 001444344321210100010011 | Initial |
| 34199967 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of Transaction per HUD-1 is Cash Out | Initial |
| 34199967 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose Per Application is Refinance | Initial |
| 34199967 | xx | xx | Stated Maturity Date | xx | xx | -5285 (Days) |  | Stated Maturity Date is xx | Initial |
| 1869649 | xx | xx | Collections - Current Servicer (Enumerated) | Not Applicable | xx |  |  | Collections - current servicer is not applicable. | Initial |
| 1869649 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 1869649 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  | Deferred balance amount is unavailable. | Initial |
| 1869649 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a modification change note terms is yes. | Initial |
| 1869649 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 1869649 | xx | xx | First Payment Date | xx | xx | -5 (Days) |  | First payment date is xx. | Initial |
| 1869649 | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Loan amortization type is unavailable. | Initial |
| 1869649 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00014% | Original balance is xx. | Initial |
| 1869649 | xx | xx | Original Stated Rate | xx | xx | 0.90000% | 0.90000% | Original stated rate is xx. | Initial |
| 1869649 | xx | xx | Payment History String | 000000000000000000000000 | 34545566666554555433123 |  |  | NA | Initial |
| 1869649 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of transaction per HUD-1 cash out. | Initial |
| 1869649 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is refinance. | Initial |
| 1869649 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated maturity date is unavailable. | Initial |
| 15343991 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 15343991 | xx | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | xx |  |  | NA. | Initial |
| 15343991 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 15343991 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  |  | Initial |
| 15343991 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 15343991 | xx | xx | First Payment Date | xx | xx | -6 (Days) |  | First payment date is xx. | Initial |
| 15343991 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00188% | Original balance is xx. | Initial |
| 15343991 | xx | xx | Original Stated Rate | xx | xx | 3.00000% | 3.00000% | Original stated rate is xx. | Initial |
| 15343991 | xx | xx | Payment History String | 000000000000000000000000 | 00000000000000000000000 |  |  | NA. | Initial |
| 15343991 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of transaction is Cash-Out. | Initial |
| 15343991 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose of application is Refinance. | Initial |
| 15343991 | xx | xx | Stated Maturity Date | xx | xx | -6 (Days) |  | Maturity date is xx. | Initial |
| 18451842 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 18451842 | xx | xx | Collections - Current Servicer (Enumerated) | Not Applicable | xx |  |  | NA. | Initial |
| 18451842 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 18451842 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | NA. | Initial |
| 18451842 | xx | xx | Deferred Balance Amount | XX | XX | XX | -26.88529% | NA. | Initial |
| 18451842 | xx | xx | Doc Date of Last Modification | xx | xx | -85 (Days) |  | NA. | Initial |
| 18451842 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 18451842 | xx | xx | First Payment Date | xx | xx | -5 (Days) |  | First payment date is xx. | Initial |
| 18451842 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 0.00026% | Original balance is xx. | Initial |
| 18451842 | xx | xx | Original Stated Rate | xx | xx | 3.00000% | 3.00000% | Original stated rate is xx. | Initial |
| 18451842 | xx | xx | Payment History String | 004443222222211100004443 | 11110111011112333342011 |  |  | NA. | Initial |
| 18451842 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose per Hud-1 is Cash-out. | Initial |
| 18451842 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is Refinance. | Initial |
| 53436338 | xx | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | xx |  |  | NA. | Initial |
| 53436338 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 53436338 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  | Unavailable. | Initial |
| 53436338 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Unavailable. | Initial |
| 53436338 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 53436338 | xx | xx | Loan Amortization Type | Unavailable | Fixed |  |  | Unavailable. | Initial |
| 53436338 | xx | xx | Payment History String | 000000000000000000000000 | 00000000000000000000000 |  |  | Payment history string 100000000000000000000000. | Initial |
| 53436338 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Purchase |  |  | Purpose of transaction per HUD-1 is refinance. | Initial |
| 53436338 | xx | xx | Purpose Per Application | Refinance | Purchase |  |  | Purpose per application is refinance. | Initial |
| 53436338 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 82773140 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes | Initial |
| 82773140 | xx | xx | Collections - Current Servicer (Enumerated) | \* Other / Not In List \* | xx |  |  |  | Initial |
| 82773140 | xx | xx | Current Legal Status | Collections, < 60 Days | Performing |  |  |  | Initial |
| 82773140 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 82773140 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  |  | Initial |
| 82773140 | xx | xx | Escrow Account Indicator | Not Applicable | No |  |  | N/A. | Initial |
| 82773140 | xx | xx | Payment History String | 111111111110000000001010 | 00000000000000000000000 |  |  |  | Initial |
| 82773140 | xx | xx | Property Address Street | xx | xx |  |  | As per note property street address reflects xx. | Initial |
| 8746351 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 8746351 | xx | xx | Last Payment Received Date | 11/15/2024 | 10/15/2024 | 31 (Days) |  | NA | Initial |
| 8746351 | xx | xx | Modification Stated Term | Not Applicable | 360 |  |  | NA | Initial |
| 8746351 | xx | xx | Original Appraisal Date | xx | xx | -1 (Days) |  | Original appraisal date is xx | Initial |
| 8746351 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.296% | 1.29600% | Original CLTV Ratio Percent is xx% | Initial |
| 8746351 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.296% | 1.29600% | Original Standard LTV is xx | Initial |
| 8746351 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | NA | Initial |
| 30873446 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 30873446 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification change Note Terms ? Yes | Initial |
| 30873446 | xx | xx | Modification Stated Term | 480 | 510 | -30 | -5.88235% | Modification Stated Term 481 | Initial |
| 30873446 | xx | xx | Original Appraisal Date | xx | xx | -5 (Days) |  | Original appraisal Date xx | Initial |
| 30873446 | xx | xx | Stated Maturity Date | xx | xx | 4567 (Days) |  | Stated Maturity Date xx | Initial |
| 68759559 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 68759559 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 68759559 | xx | xx | Interest Paid Through Date | 12/1/2024 | 11/1/2024 | 30 (Days) |  | Interest paid through date is 12/1/2024. | Initial |
| 68759559 | xx | xx | Modification Stated Term | Not Applicable | 360 |  |  |  | Initial |
| 71692151 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 71692151 | xx | xx | Last Payment Received Date | Unavailable | 2/27/2024 |  |  |  | Initial |
| 71692151 | xx | xx | Modification Stated Term | Not Applicable | 360 |  |  | N/A. | Initial |
| 71692151 | xx | xx | Original Appraisal Date | xx | xx | -17 (Days) |  | Original appraisal date is xx. | Initial |
| 84328203 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 84328203 | xx | xx | Interest Paid Through Date | 8/1/2024 | 10/1/2024 | -61 (Days) |  | Interest Paid Through Date is 8/1/2024 | Initial |
| 84328203 | xx | xx | Last Payment Received Date | 11/4/2024 | 10/10/2024 | 25 (Days) |  | Last Payment Received Date is 11/8/2024 | Initial |
| 84328203 | xx | xx | Modification Stated Term | Not Applicable | 360 |  |  | Modification stated term is not applicable. | Initial |
| 84328203 | xx | xx | Original Appraisal Date | xx | xx | -1 (Days) |  | Original Appraisal Date is xx | Initial |
| 84328203 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.302% | 1.30200% | Original OLTV Ratio Percent is xx% | Initial |
| 84328203 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.206% | 1.20600% | Original Standard LTV (OLTV) is xx | Initial |
| 84328203 | xx | xx | Subject Property Type | Low Rise Condo (1-4 Stories) | Mid Rise Condo (5-8 Stories) |  |  | Subject Property Type is Low Rise Condo (1-4 Stories) | Initial |
| 9829606 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 9829606 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 9829606 | xx | xx | Last Payment Received Date | 11/1/2024 | 9/30/2024 | 32 (Days) |  | Last Payment Received Date is 11/1/2024 | Initial |
| 9829606 | xx | xx | Modification Stated Term | Not Applicable | 360 |  |  |  | Initial |
| 9829606 | xx | xx | Original Appraisal Date | xx | xx | -16 (Days) |  | Original Appraisal Date is xx | Initial |
| 83570604 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 83570604 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 83570604 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 83570604 | xx | xx | Last Payment Received Date | 11/4/2024 | 10/2/2024 | 33 (Days) |  | NA. | Initial |
| 83570604 | xx | xx | Modification Stated Term | Not Applicable | 240 |  |  | NA. | Initial |
| 83570604 | xx | xx | Original Appraisal Date | xx | xx | -4 (Days) |  | Appraisal date is xx. | Initial |
| 83570604 | xx | xx | Sales Price (HUD-1 Line 101) | Not Applicable | xx |  |  | NA | Initial |
| 81450956 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 81450956 | xx | xx | Interest Paid Through Date | 3/1/2020 | 10/1/2024 | -1675 (Days) |  | Interest Paid Through Date is 3/1/2020 | Initial |
| 81450956 | xx | xx | Last Payment Received Date | 11/4/2024 | 10/2/2024 | 33 (Days) |  | Last Payment Received Date is 11/4/2024 | Initial |
| 81450956 | xx | xx | Modification Amount Capitalized | $0.00 | $37725.00 | $-37725.00 | -100.00000% |  | Initial |
| 81450956 | xx | xx | Original Appraisal Date | xx | xx | -18 (Days) |  | Original Appraisal Date is xx | Initial |
| 81450956 | xx | xx | Original CLTV Ratio Percent | xx | xx | 29.706% | 29.70600% | Original CLTV Ratio Percent is xx% | Initial |
| 81450956 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 29.706% | 29.70600% | Original Standard LTV (OLTV) is xx | Initial |
| 81450956 | xx | xx | Stated Maturity Date | xx | xx | 4383 (Days) |  |  | Initial |
| 16424200 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original note doc date is xx. | Initial |
| 4372439 | xx | xx | Borrower DTI Ratio Percent | 44.310% | 44.309% | 0.001% | 0.00100% | As per calculation. | Initial |
| 4372439 | xx | xx | Escrow Account Indicator | No | Yes |  |  | No. | Initial |
| 4372439 | xx | xx | Payment History String | 00000 | 0000 |  |  |  | Initial |
| 4372439 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | As per appraisal report. | Initial |
| 13660688 | xx | xx | Original Stated P&I | xx | xx | xx | -12.39027% | Original stated P&I is xx. | Initial |
| 13660688 | xx | xx | Original Stated Rate | xx | xx | -4.37500% | -4.37500% | Original stated rate is xx. | Initial |
| 13660688 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per final CD is cash out. | Initial |
| 13660688 | xx | xx | Stated Maturity Date | xx | xx | 3653 (Days) |  |  | Initial |
| 17767574 | xx | xx | Borrower DTI Ratio Percent | 24.264% | 24.367% | -0.103% | -0.10300% | Borrower DTI ratio percent is 24.264%. | Initial |
| 17767574 | xx | xx | Housing Ratio per U/W (Initial Rate) | 19.660% | 19.763% | -0.103% | -0.10300% | Housing ratio per U/W is 19.660%. | Initial |
| 17767574 | xx | xx | Original CLTV Ratio Percent | xx | xx | 3.600% | 3.60000% | Original CLTV is xx%. | Initial |
| 17767574 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 3.600% | 3.60000% | Original standard LTV is xx. | Initial |
| 17767574 | xx | xx | Original Stated P&I | xx | xx | xx | -25.59302% | Original stated P&I is xx. | Initial |
| 17767574 | xx | xx | Original Stated Rate | xx | xx | -4.50000% | -4.50000% | Original stated rate is xx. | Initial |
| 17767574 | xx | xx | Stated Maturity Date | xx | xx | 2192 (Days) |  | Stated maturity date is xx. | Initial |
| 38797265 | xx | xx | Borrower DTI Ratio Percent | 30.555% | 30.554% | 0.001% | 0.00100% | As per calculation. | Initial |
| 38797265 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.555% | 30.554% | 0.001% | 0.00100% |  | Initial |
| 38797265 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | As per note. | Initial |
| 17822296 | xx | xx | MI Coverage Amount | XX | XX | XX | -66.00000% | As per MI. | Initial |
| 76334320 | xx | xx | Age of Loan | 59 | 61 | -2 | -3.27868% | Age of loan is 59. | Initial |
| 76334320 | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| 76334320 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 76334320 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 76334320 | xx | xx | Debt Service Coverage Ratio (DSCR) | 5.63 | 1.99 | 3.64 | 182.91457% | DSCR at 5.63. | Initial |
| 76334320 | xx | xx | Subject Property Type | 3 Family | Single Family |  |  | Subject is 3 family. | Initial |
| 25970676 | xx | xx | Age of Loan | 61 | 63 | -2 | -3.17460% | Age of Loan is 61 | Initial |
| 25970676 | xx | xx | Borrower DTI Ratio Percent | 23.802% | 26.365% | -2.563% | -2.56300% | Borrower DTI Ratio Percent is 23.802%. | Initial |
| 25970676 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 67574792 | xx | xx | Age of Loan | 34 | 35 | -1 | -2.85714% | Age of Loan is 34 | Initial |
| 67574792 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 67574792 | xx | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property type is Mid Rise Condo (5-8 Stories) | Initial |
| 17983465 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of Loan is 4 | Initial |
| 17983465 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 17983465 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is High Rise Condo (>=9 Stories) | Initial |
| 57980477 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1 | Initial |
| 57980477 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle Name is Not Applicable | Initial |
| 57980477 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower First NAme is Not Applicable | Initial |
| 57980477 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 57980477 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 57980477 | xx | xx | Subject Property Type | 4 Family | Single Family |  |  | Subject Property Type is 4 Family | Initial |
| 2227988 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1 | Initial |
| 2227988 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 Middle Name Not Applicable | Initial |
| 2227988 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower First Name is Not Applicable | Initial |
| 2227988 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name xx | Initial |
| 2227988 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 2227988 | xx | xx | Debt Service Coverage Ratio (DSCR) | Unavailable | 1.29 |  |  | Debt Service Coverage ratio (DSCR) is Unavailble | Initial |
| 2227988 | xx | xx | Subject Property Type | 4 Family | Single Family |  |  | Subject Property Type is 4 Family | Initial |
| 17421034 | xx | xx | Age of Loan | 1 | 3 | -2 | -66.66666% |  | Initial |
| 17421034 | xx | xx | Borrower DTI Ratio Percent | 19.110% | 19.427% | -0.317% | -0.31700% |  | Initial |
| 17421034 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 13103267 | xx | xx | Age of Loan | 57 | 59 | -2 | -3.38983% | Age of Loan is 57. | Initial |
| 13103267 | xx | xx | Borrower DTI Ratio Percent | 21.897% | 62.040% | -40.143% | -40.14300% | Borrower DTI Ratio Percent is 21.897% | Initial |
| 13103267 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 34418502 | xx | xx | Age of Loan | 38 | 40 | -2 | -5.00000% | Age of loan is 38. | Initial |
| 34418502 | xx | xx | Borrower DTI Ratio Percent | 20.472% | 48.501% | -28.029% | -28.02900% | Borrower DTI ratio percent is 20.472%. | Initial |
| 34418502 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 34418502 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject property type is high rise condo (>=9 stories). | Initial |
| 83011583 | xx | xx | Age of Loan | 37 | 39 | -2 | -5.12820% | Age of loan is 37. | Initial |
| 83011583 | xx | xx | Borrower DTI Ratio Percent | 11.236% | 13.280% | -2.044% | -2.04400% | Borrower DTI ratio percent is 11.236%. | Initial |
| 83011583 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 63828791 | xx | xx | Age of Loan | 34 | 35 | -1 | -2.85714% | Age of loan is 34. | Initial |
| 63828791 | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is not applicable. | Initial |
| 63828791 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower first name is not applicable. | Initial |
| 63828791 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last name is xx. | Initial |
| 63828791 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 63828791 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.03 | 1.04 | -0.01 | -0.96153% | Debt service coverage ratio (DSCR) is 0.46. | Initial |
| 42803122 | xx | xx | Age of Loan | 31 | 34 | -3 | -8.82352% | Age of loan is 31. | Initial |
| 42803122 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 42803122 | xx | xx | Subject Property Type | Commercial Prop | Single Family |  |  |  | Initial |
| 20256789 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2 | Initial |
| 20256789 | xx | xx | Borrower DTI Ratio Percent | 51.841% | 52.000% | -0.159% | -0.15900% | Borrower DTI ratio percent is 51.841% | Initial |
| 20256789 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 20256789 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 20256789 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx. | Initial |
| 20256789 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.688% | 1.68800% | Original Standard LTV is xx | Initial |
| 20256789 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 20256789 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 80330729 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 80330729 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx. | Initial |
| 46747197 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 46747197 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | MI cert is available. | Initial |
| 36268592 | xx | xx | Age of Loan | 24 | 27 | -3 | -11.11111% | Age of loan is 24. | Initial |
| 36268592 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 36268592 | xx | xx | Original Appraised Value | xx | xx | xx | -17.08698% | Appraised value xx. | Initial |
| 36268592 | xx | xx | Original CLTV Ratio Percent | xx | xx | 12.112% | 12.11200% | CLTV ratio percent is xx%. | Initial |
| 36268592 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 44.193% | 44.19300% | LTV is xx. | Initial |
| 36268592 | xx | xx | Payment History String | 000000000000000000000444 | 000000000000 |  |  |  | Initial |
| 36268592 | xx | xx | Total Balance of Superior Lien(s) | xx | xx | xx | 5.01558% | Balance of superior lien xx. | Initial |
| 96600794 | xx | xx | Age of Loan | 13 | 16 | -3 | -18.75000% | Age of loan is 13. | Initial |
| 96600794 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 96600794 | xx | xx | Original CLTV Ratio Percent | Unavailable | xx |  |  | Unavailable. | Initial |
| 96600794 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 59.249% | 59.24900% | N/A. | Initial |
| 96600794 | xx | xx | Payment History String | 00000000000000 | 000000000000 |  |  | Payment string 000000000000000. | Initial |
| 96600794 | xx | xx | Total Balance of Superior Lien(s) | xx | xx | xx | 6.97952% | Totaol balance of superior lien is xx. | Initial |
| 59597084 | xx | xx | Age of Loan | 5 | 7 | -2 | -28.57142% | Age of Loan is 5 | Initial |
| 59597084 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 59597084 | xx | xx | Original Appraisal Date | xx | xx | 3 (Days) |  | Original Appraisal Date is xx | Initial |
| 85797939 | xx | xx | Age of Loan | 10 | 13 | -3 | -23.07692% | Age of loan is 10 | Initial |
| 85797939 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 85797939 | xx | xx | Original Appraisal Date | xx | xx | 1 (Days) |  | Original Appraisal Date is xx | Initial |
| 85797939 | xx | xx | Original Appraised Value | xx | xx | xx | 11.39896% | Original Appraised Value is xx | Initial |
| 85797939 | xx | xx | Stated Maturity Date | xx | xx | 61 (Days) |  | Stated Maturity Date is xx | Initial |
| 4829743 | xx | xx | Borrower DTI Ratio Percent | 39.360% | 39.362% | -0.002% | -0.00200% | BWR DTI ratio percent is 39.360%. | Initial |
| 302205 | xx | xx | Borrower DTI Ratio Percent | 40.557% | 46.095% | -5.538% | -5.53800% | Borrower DTI Ratio Percent is 40.557% | Initial |
| 302205 | xx | xx | Property Address Street | xx | xx |  |  | Property Address street is xx | Initial |
| 55105991 | xx | xx | Borrower DTI Ratio Percent | 48.573% | 49.000% | -0.427% | -0.42700% | Borrower DTI ratio percent is 48.573% | Initial |
| 55105991 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 55105991 | xx | xx | Purpose of Refinance Per HUD-1 | No Cash-Out | Change in Rate/Term |  |  | Purpose of refinance is no cash out. | Initial |
| 98697860 | xx | xx | Borrower DTI Ratio Percent | 41.193% | 41.200% | -0.007% | -0.00700% | Borrower DTI Ratio Percent is 41.193% | Initial |
| 36397772 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per note. | Initial |
| 36397772 | xx | xx | Borrower DTI Ratio Percent | 49.789% | 50.933% | -1.144% | -1.14400% | Borrower DTI Ratio Percent is 49.789% | Initial |
| 36397772 | xx | xx | Housing Ratio per U/W (Initial Rate) | 40.106% | 41.107% | -1.001% | -1.00100% | Housing Ratio per U/W (Initial Rate) is 40.106% | Initial |
| 5034265 | xx | xx | Age of Loan | 28 | 39 | -11 | -28.20512% | Age of Loan is 28 | Initial |
| 5034265 | xx | xx | Borrower DTI Ratio Percent | 36.619% | 44.781% | -8.162% | -8.16200% | Borrower DTI Ratio Percent is 36.619% | Initial |
| 5034265 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 5034265 | xx | xx | First Payment Date | xx | xx | 273 (Days) |  | First Payment Date is xx | Initial |
| 5034265 | xx | xx | Housing Ratio per U/W (Initial Rate) | 21.400% | 29.571% | -8.171% | -8.17100% | Housing Ratio per U/W(Initial Rate) is 21.400% | Initial |
| 5034265 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -20.75021% | Original Balance(or Line Amount is xx | Initial |
| 5034265 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7.816% | -7.81600% | Original CLTV Ratio Percent is xx% | Initial |
| 5034265 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -15.519% | -15.51900% | Original Standard LTV(OLTV) is xx | Initial |
| 5034265 | xx | xx | Original Stated P&I | xx | xx | xx | 42.27656% | Original Stated P&I is xx | Initial |
| 5034265 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Purchase |  |  | Purpose of Transaction per HUD-1 is Refinance | Initial |
| 5034265 | xx | xx | Purpose Per Application | Construction/Perm | Purchase |  |  | Purpose Per Application is Construction/Perm | Initial |
| 59573688 | xx | xx | Borrower DTI Ratio Percent | 48.004% | 48.000% | 0.004% | 0.00400% | Borrower DTI Ratio Percent is 48.004% | Initial |
| 59573688 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 59573688 | xx | xx | MI Coverage Amount | XX | XX | XX | -25.00000% | MI Coverage amount is 30.00% | Initial |
| 59573688 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 5.39796% | Original Balance is xx | Initial |
| 59573688 | xx | xx | Property Address Street | xx | xx |  |  | Property address Street is xx | Initial |
| 59573688 | xx | xx | Property City | xx | xx |  |  | Property city is xx | Initial |
| 59573688 | xx | xx | Property Postal Code | xx | xx |  |  | Property postal Code is xx | Initial |
| 93237870 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 93237870 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 93237870 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 93237870 | xx | xx | Subject Property Type | PUD | Low Rise Condo (1-4 Stories) |  |  | Subject property type is PUD. | Initial |
| 76330573 | xx | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | Age of loan 7. | Initial |
| 76330573 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 76330573 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 34334076 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of Loan is 2 | Initial |
| 34334076 | xx | xx | Borrower DTI Ratio Percent | 48.360% | 84.883% | -36.523% | -36.52300% | Borrower DTI Ratio Percent is 48.360% | Initial |
| 34334076 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34334076 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 82865174 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4. | Initial |
| 82865174 | xx | xx | ARM Lifetime Cap Rate | 10.125% | 5.000% | 5.125% | 5.12500% | ARM lifetime cap rate is 10.125%. | Initial |
| 82865174 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 82865174 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 82865174 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note doc date is xx. | Initial |
| 63259446 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4 | Initial |
| 63259446 | xx | xx | Borrower DTI Ratio Percent | 49.251% | 52.462% | -3.211% | -3.21100% | Borrower DTI ratio percent is 49.251% | Initial |
| 63259446 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 63259446 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 63259446 | xx | xx | Subject Property Type | PUD | Low Rise Condo (1-4 Stories) |  |  | Subject property type is PUD | Initial |
| 40596654 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% |  | Initial |
| 40596654 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 40596654 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 40596654 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  |  | Initial |
| 28752985 | xx | xx | Age of Loan | 9 | 11 | -2 | -18.18181% | Age of loan 9. | Initial |
| 28752985 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 28752985 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 25689997 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 25689997 | xx | xx | Current Legal Status | Bankruptcy-Current | Collections, >= 120 Days |  |  | Performing. | Initial |
| 8092825 | xx | xx | Borrower DTI Ratio Percent | 49.833% | 49.830% | 0.003% | 0.00300% | As per calculation. | Initial |
| 8092825 | xx | xx | Housing Ratio per U/W (Initial Rate) | 18.359% | 18.360% | -0.001% | -0.00100% | As per calculation. | Initial |
| 6781910 | xx | xx | Borrower DTI Ratio Percent | 37.498% | 37.500% | -0.002% | -0.00200% | Borrower DTI Ratio Percent is 37.498% | Initial |
| 6781910 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.078% | 26.080% | -0.002% | -0.00200% | Housing Ratio per U/W (Initial Rate) is 26.078% | Initial |
| 6781910 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.002% | -0.00200% | Original CLTV Ratio Percent is xx% | Initial |
| 6781910 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.002% | -0.00200% | Original Standard LTV (OLTV) is xx | Initial |
| 6781910 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 4221534 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 3575549 | xx | xx | Borrower DTI Ratio Percent | 42.110% | 45.740% | -3.630% | -3.63000% | Borrower DTI ratio percent is 42.110%. | Initial |
| 3575549 | xx | xx | Housing Ratio per U/W (Initial Rate) | 41.054% | 44.590% | -3.536% | -3.53600% | Housing ratio per U/W is 41.054%. | Initial |
| 26167855 | xx | xx | Housing Ratio per U/W (Initial Rate) | 38.678% | 38.680% | -0.002% | -0.00200% | Housing ratio per U/W is 38.678%. | Initial |
| 34895626 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% |  | Initial |
| 34895626 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% |  | Initial |
| 72458494 | xx | xx | MI Coverage Amount | XX | XX | XX | -119.00000% | As per MI certificate. | Initial |
| 72458494 | xx | xx | Stated Maturity Date | xx | xx | 4505 (Days) |  | Unavailable. | Initial |
| 38252994 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 38252994 | xx | xx | Borrower DTI Ratio Percent | 37.055% | 39.513% | -2.458% | -2.45800% | Borrower DTI ratio percent is 37.055%. | Initial |
| 38252994 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | Borrower First name is not applicable. | Initial |
| 38252994 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 38252994 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 38252994 | xx | xx | Payment History String | 1 | 0x0x0x0 |  |  | Payment history string is 1. | Initial |
| 95863165 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 95863165 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 95863165 | xx | xx | Payment History String | 00 | 1x0x0x0 |  |  |  | Initial |
| 27876923 | xx | xx | Borrower DTI Ratio Percent | 41.292% | 42.252% | -0.960% | -0.96000% | Borrower DTI Ratio Percent is 41.292% | Initial |
| 27876923 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicabe. | Initial |
| 27876923 | xx | xx | Original Appraised Value | xx | xx | xx | 2.32558% | Original Appraised Value is xx | Initial |
| 27876923 | xx | xx | Payment History String | Not Applicable | 0x0x0x0 |  |  | Payment History String is Unavailable. | Initial |
| 95178369 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR middle name is xx. | Initial |
| 95178369 | xx | xx | Borrower DTI Ratio Percent | 47.885% | 47.890% | -0.005% | -0.00500% | DTI is 47.885% | Initial |
| 95178369 | xx | xx | Escrow Account Indicator | Yes | No |  |  | Escrow account is yes. | Initial |
| 97127134 | xx | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | Age of loan is 9. | Initial |
| 97127134 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 97127134 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does required MI cert. | Initial |
| 97127134 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx. | Initial |
| 97127134 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per final CD is cash out other. | Initial |
| 97127134 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per final CD is cash out. | Initial |
| 41487655 | xx | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of loan is 8. | Initial |
| 41487655 | xx | xx | Borrower #2 First Name | xx | xx |  |  |  | Initial |
| 41487655 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 41487655 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 41487655 | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | Occupancy at origination is secondary. | Initial |
| 41487655 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is cash out - other. | Initial |
| 41487655 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-1 is cash out. | Initial |
| 30760108 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 30760108 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower 2 # last name is xx. | Initial |
| 30760108 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 30760108 | xx | xx | First Payment Date | xx | xx | -31 (Days) |  | First payment date is xx. | Initial |
| 30760108 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx. | Initial |
| 30760108 | xx | xx | Stated Maturity Date | xx | xx | -30 (Days) |  | Stated maturity date is xx. | Initial |
| 30760108 | xx | xx | Stated Remaining Term | 359 | 360 | -1 | -0.27777% | Stated remaining term is 359. | Initial |
| 30760108 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject property type is high rise condo (>=9 stories). | Initial |
| 52989752 | xx | xx | Age of Loan | 32 | 35 | -3 | -8.57142% | Age of loan is 32. | Initial |
| 52989752 | xx | xx | Borrower DTI Ratio Percent | 45.701% | 46.609% | -0.908% | -0.90800% | Borrower DTI ratio percent is 45.701%. | Initial |
| 52989752 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 52989752 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 52989752 | xx | xx | Housing Ratio per U/W (Initial Rate) | 35.621% | 36.529% | -0.908% | -0.90800% | Housing ratio per U/W is 35.621%. | Initial |
| 52989752 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 24993785 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 24993785 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 24993785 | xx | xx | MI Company | xx | xx |  |  | MI company is xx. | Initial |
| 24993785 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.592% | 1.59200% | Original CLTV ratio percent is xx%. | Initial |
| 24993785 | xx | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Original note doc date is xx. | Initial |
| 24993785 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.592% | 1.59200% | Original standard LTV is xx. | Initial |
| 60769179 | xx | xx | Age of Loan | 45 | 46 | -1 | -2.17391% | Age of loan 45. | Initial |
| 60769179 | xx | xx | Borrower DTI Ratio Percent | 24.785% | 24.784% | 0.001% | 0.00100% | BWR DTI ratio percent. 23.059% | Initial |
| 60769179 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 60769179 | xx | xx | Housing Ratio per U/W (Initial Rate) | 21.063% | 21.062% | 0.001% | 0.00100% | Housing ratio percent 19.338%. | Initial |
| 60769179 | xx | xx | Subject Property Type | PUD | Low Rise Condo (1-4 Stories) |  |  | Subject property type PUD. | Initial |
| 36395851 | xx | xx | Age of Loan | 4 | 10 | -6 | -60.00000% | Age of loan 4. | Initial |
| 36395851 | xx | xx | Borrower DTI Ratio Percent | 39.798% | 0.000% | 39.798% | 39.79800% | BWR DTI ratio percent is 39.798%. | Initial |
| 36395851 | xx | xx | Property Address Street | xx | xx |  |  | xx | Initial |
| 47152150 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.004% | -0.00400% |  | Initial |
| 47152150 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.004% | -0.00400% |  | Initial |
| 47152150 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As Per Appraisal report. | Initial |
| 17276440 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not appicable | Initial |
| 17276440 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 17276440 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is xx | Initial |
| 17276440 | xx | xx | Payment History String | M00000000000000443210000 | 100000000000000543210000 |  |  | Payment history string is 00000000000000000443210000000000 | Initial |
| 17276440 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 17276440 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 17276440 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C filling date is unavailable | Initial |
| 17276440 | xx | xx | Stated Remaining Term | 451 | 452 | -1 | -0.22123% | Stated remaining term is 451 | Initial |
| 34870421 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is Yes | Initial |
| 34870421 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34870421 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 34870421 | xx | xx | Currently in Foreclosure? | No | Yes |  |  |  | Initial |
| 34870421 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9405.046% | -9405.04600% | Original Standard LTV (OLTV) is xx | Initial |
| 34870421 | xx | xx | Payment History String | M00000000000000000000012 | 000000000000000000000012 |  |  | Payment History String M00000000000000000000012 | Initial |
| 34870421 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 34870421 | xx | xx | Property Postal Code | xx | xx |  |  | Property Postal Code is xx | Initial |
| 34870421 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  |  | Initial |
| 34870421 | xx | xx | Stated Remaining Term | 99 | 101 | -2 | -1.98019% | Stated Remaining Term is 99 | Initial |
| 94536253 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 94536253 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 94536253 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount is not applicable | Initial |
| 94536253 | xx | xx | Forbearance Plan Start Date | 7/1/2023 | 12/1/2021 | 577 (Days) |  | Forbearance plan start date is 7/1/2023 | Initial |
| 94536253 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 94536253 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6217.227% | -6217.22700% | Original standard LTV is xx. | Initial |
| 94536253 | xx | xx | Payment History String | M00000000000000322222321 | 000000000000000022222333 |  |  | Payment History String m000000000012222223 | Initial |
| 94536253 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 94536253 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C filing date is unavailable | Initial |
| 94536253 | xx | xx | Stated Remaining Term | 388 | 346 | 42 | 12.13872% | Stated remaining term is 388 | Initial |
| 94536253 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 46062353 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 46062353 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 46062353 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV xx | Initial |
| 46062353 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M0000000000000000000000 | Initial |
| 46062353 | xx | xx | Property Address Street | xx | xx |  |  | Property Address xx | Initial |
| 46062353 | xx | xx | Stated Remaining Term | 209 | 210 | -1 | -0.47619% | Stated remaining term 209 | Initial |
| 46062353 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 0.30219% | Total balance of junior lien is not applicable | Initial |
| 71599809 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 71599809 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 71599809 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is not applicable | Initial |
| 71599809 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 71599809 | xx | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 71599809 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7316.050% | -7316.05000% | Original Standard LTV(OLTV) is xx | Initial |
| 71599809 | xx | xx | Payment History String | M00000010000000000000100 | 000000010000000000000100 |  |  |  | Initial |
| 71599809 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 71599809 | xx | xx | Stated Remaining Term | 241 | 240 | 1 | 0.41666% | Stated Remaining term is 241 | Initial |
| 37386818 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 37386818 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 37386818 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -4900.495% | -4900.49500% | Original standard LTV is xx. | Initial |
| 37386818 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M000000000000000000000000 | Initial |
| 37386818 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 37386818 | xx | xx | Stated Remaining Term | 264 | 266 | -2 | -0.75187% | Stated of transaction per HUD-1 is 264 | Initial |
| 37386818 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 212.68816% | Total balance of junior Lien is xx | Initial |
| 53361066 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 53361066 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 53361066 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | N/A. | Initial |
| 53361066 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | LTV reflects xx. | Initial |
| 53361066 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 53361066 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 53361066 | xx | xx | Stated Remaining Term | 53 | 55 | -2 | -3.63636% | Stated remaining term reflects 53. | Initial |
| 3979185 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 3979185 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 3979185 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes. | Initial |
| 3979185 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV (OLTV) is xx. | Initial |
| 3979185 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 3979185 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 3979185 | xx | xx | Stated Remaining Term | 121 | 122 | -1 | -0.81967% | Stated Remaining Term is 121. | Initial |
| 3979185 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of Junior Lien(s) is Not Applicable | Initial |
| 50578228 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (post-loan origination)? is Yes | Initial |
| 50578228 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | Current bankruptcy Post Petition Due Date is Not Applicable | Initial |
| 50578228 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 50578228 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 50578228 | xx | xx | Deferred Balance Amount | XX | XX | XX | 50.00001% | Deferred Balance Amount is $55,576.82 | Initial |
| 50578228 | xx | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 50578228 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5583.636% | -5583.63600% | Original Standard LTV(OLTV) is xx | Initial |
| 50578228 | xx | xx | Original Stated P&I | xx | xx | xx | -9.04707% | Original Stated P&I is xx | Initial |
| 50578228 | xx | xx | Total Forgiven Principal Amount | XX | XX | XX | 199.99994% |  | Initial |
| 96163802 | xx | xx | Current Value | Not Applicable | xx |  |  | current value is not applicable | Initial |
| 96163802 | xx | xx | Current Value Date | Not Applicable | XX |  |  | current value date is not applicable | Initial |
| 96163802 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6751.847% | -6751.84700% | Original standard LTV xx | Initial |
| 96163802 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M00000000000000000000000 | Initial |
| 96163802 | xx | xx | Property Address Street | xx | xx |  |  | Property address Street xx | Initial |
| 96163802 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Cash out transaction. | Initial |
| 96163802 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Cash out transaction. | Initial |
| 96163802 | xx | xx | Stated Remaining Term | 271 | 273 | -2 | -0.73260% | Stated remaining term 115 | Initial |
| 96163802 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 100.06658% | Total balance of junior lien is not applicable | Initial |
| 79278659 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 79278659 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 79278659 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is N/A. | Initial |
| 79278659 | xx | xx | Deferred Balance Amount | XX | XX | XX | -29.05356% | Deferred balance amount is $25,445.40. | Initial |
| 79278659 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original standard LTV is xx. | Initial |
| 79278659 | xx | xx | Payment History String | M000000000000044444444MM | 000000000000008765432100 |  |  | Payment History String is M00000000000004444444321 | Initial |
| 2597184 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 2597184 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 2597184 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original standard LTV is xx. | Initial |
| 2597184 | xx | xx | Payment History String | M00000001000000000000000 | 000000010000000000000000 |  |  | Payment history string is 000000100000000000000000. | Initial |
| 2597184 | xx | xx | Stated Remaining Term | 117 | 115 | 2 | 1.73913% | Stated remaining term is 117. | Initial |
| 33499576 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | Current bankruptcy case number is xx | Initial |
| 33499576 | xx | xx | Current Legal Status | Bankruptcy-Current | Bankruptcy |  |  | Current legal status is bankruptcy-current | Initial |
| 33499576 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 33499576 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 33499576 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Unavailable. | Initial |
| 33499576 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | Unavailable. | Initial |
| 33499576 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is xx | Initial |
| 33499576 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is change in Rate/Term | Initial |
| 33499576 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 33499576 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 33499576 | xx | xx | Stated Remaining Term | 37 | 224 | -187 | -83.48214% | Stated remaining term is 37 | Initial |
| 21224248 | xx | xx | ARM Index Type | Unavailable | Prime - WSJ |  |  |  | Initial |
| 21224248 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 21224248 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 21224248 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  |  | Initial |
| 21224248 | xx | xx | First Rate Change Date | Unavailable | 12/16/2005 |  |  | NA | Initial |
| 21224248 | xx | xx | HELOC Draw Period (Yrs) | Unavailable | 120 |  |  | NA | Initial |
| 21224248 | xx | xx | HELOC Draw Period End Date | Unavailable | 12/16/2015 |  |  | NA | Initial |
| 21224248 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | NA | Initial |
| 21224248 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is Unavaialble | Initial |
| 21224248 | xx | xx | Original Stated P&I | Unavailable | $0.00 |  |  | Original Stated P&I is Unavailable. | Initial |
| 21224248 | xx | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | NA | Initial |
| 21224248 | xx | xx | Payment History String | M00000010000000000000000 | 000000000000000000000000 |  |  | Payment History String is M0000000000000000000000 | Initial |
| 21224248 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  |  | Initial |
| 21224248 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD | Initial |
| 20480832 | xx | xx | ARM Index Type | Not Applicable | Prime - WSJ |  |  |  | Initial |
| 20480832 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 20480832 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 20480832 | xx | xx | Did a Modification Change Note Terms? | Yes | No |  |  | Did a Modification change note terms? is Yes | Initial |
| 20480832 | xx | xx | First Rate Change Date | Unavailable | 11/29/2006 |  |  | First rate change date is Unavailable | Initial |
| 20480832 | xx | xx | HELOC Draw Period (Yrs) | Unavailable | 119 |  |  | HELOC Draw period is Unavailable | Initial |
| 20480832 | xx | xx | HELOC Draw Period End Date | Unavailable | 11/25/2016 |  |  | HELOC Draw period end date is Unavailable | Initial |
| 20480832 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  |  | Initial |
| 20480832 | xx | xx | Original Note Doc Date | Unavailable | xx |  |  | Original note doc date is Unavailable | Initial |
| 20480832 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -1583.993% | -1583.99300% | Original standard LTV is Unavailable | Initial |
| 20480832 | xx | xx | Original Stated P&I | Not Applicable | $0.00 |  |  |  | Initial |
| 20480832 | xx | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | Pay change frequency is Not Applicable | Initial |
| 20480832 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000000 | Initial |
| 20480832 | xx | xx | Stated Maturity Date | Not Applicable | xx |  |  |  | Initial |
| 47258801 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 47258801 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 47258801 | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes. | Initial |
| 47258801 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 47258801 | xx | xx | Original Appraised Value | xx | xx | xx | 1.81818% | Original Appraised Value is xx | Initial |
| 47258801 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 47258801 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M0000000000000000000000000000 | Initial |
| 47258801 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C Filing Date is Not Applicable | Initial |
| 47258801 | xx | xx | Stated Remaining Term | 207 | 186 | 21 | 11.29032% | Stated Remaining Term is 207 | Initial |
| 47258801 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 61.69165% | Total Balance Of Junior Lien (s) is xx | Initial |
| 2852278 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is Yes | Initial |
| 2852278 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 2852278 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 2852278 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is Unavailable | Initial |
| 2852278 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 2852278 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000000 | Initial |
| 2852278 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 2852278 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 2852278 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 2852278 | xx | xx | Stated Remaining Term | 141 | 110 | 31 | 28.18181% | Stated remaining Term is 141 | Initial |
| 2852278 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 5535327 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 5535327 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 5535327 | xx | xx | Deferred Balance Amount | XX | XX | XX | 78.77364% |  | Initial |
| 5535327 | xx | xx | Doc Date of Last Modification | xx | xx | -946 (Days) |  |  | Initial |
| 5535327 | xx | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 5535327 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | LTV at xx. | Initial |
| 5535327 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 5535327 | xx | xx | Stated Remaining Term | 324 | 185 | 139 | 75.13513% |  | Initial |
| 34576415 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 34576415 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 34576415 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV (OLTV) is xx | Initial |
| 34576415 | xx | xx | Payment History String | M00000001000000000000000 | 000000000000000000000000 |  |  | Payment history string is 000000000000000021 | Initial |
| 34576415 | xx | xx | Stated Remaining Term | 158 | 112 | 46 | 41.07142% | Stated remaining term is 158 | Initial |
| 34576415 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 151.76301% | As per loan document. | Initial |
| 62108225 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 62108225 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 62108225 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 62108225 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000. | Initial |
| 62108225 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 62108225 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 62108225 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 62108225 | xx | xx | Stated Remaining Term | 135 | 123 | 12 | 9.75609% | Stated remaining term is 135. | Initial |
| 81192067 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(post-loan origination)? is Yes | Initial |
| 81192067 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 81192067 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable. | Initial |
| 81192067 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is Unavailable | Initial |
| 81192067 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 81192067 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 81192067 | xx | xx | S&C Filing Date | xx | xx | 20 (Days) |  | S&C Filling Date is Not applicable | Initial |
| 81192067 | xx | xx | Stated Maturity Date | xx | xx | -60 (Days) |  |  | Initial |
| 81192067 | xx | xx | Stated Remaining Term | 36 | 38 | -2 | -5.26315% | Stated Remaining Term is 36 | Initial |
| 73820180 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 73820180 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 73820180 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  |  | Initial |
| 73820180 | xx | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 73820180 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  |  | Initial |
| 73820180 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 73820180 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 73820180 | xx | xx | Property City | xx | xx |  |  |  | Initial |
| 73820180 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 73820180 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 73820180 | xx | xx | Stated Remaining Term | 340 | 326 | 14 | 4.29447% |  | Initial |
| 58377242 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 58377242 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 58377242 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 58377242 | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| 58377242 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.006% | -7920.00600% | Original Standard LTV (OLTV) is xx | Initial |
| 58377242 | xx | xx | Original Stated P&I | xx | xx | xx | 41.77776% |  | Initial |
| 58377242 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 58377242 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 58377242 | xx | xx | Stated Remaining Term | 416 | 415 | 1 | 0.24096% | Stated Remaining Term is 416 | Initial |
| 58377242 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 39.49439% | Total Balance of Junior Lien(s) is xx | Initial |
| 9210883 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 9210883 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is Not Applicable | Initial |
| 9210883 | xx | xx | First Payment Date | xx | xx | 122 (Days) |  | First payment date is xx. | Initial |
| 9210883 | xx | xx | Interest Only Period? | Yes | No |  |  | Yes. | Initial |
| 9210883 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6732.000% | -6732.00000% | Original standard LTV is xx. | Initial |
| 9210883 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M0000000000000000000000000 | Initial |
| 9210883 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 58826205 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 58826205 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 58826205 | xx | xx | Doc Date of Last Modification | xx | xx | -672 (Days) |  | doc last modificatin date xx. | Initial |
| 58826205 | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes. | Initial |
| 58826205 | xx | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 58826205 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): xx. Loan Amount: xx. LTV xx. | Initial |
| 58826205 | xx | xx | Original Stated P&I | xx | xx | xx | 59.10599% | Original stated P&I is unavailable. | Initial |
| 58826205 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment string 100000000000000000000000. | Initial |
| 58826205 | xx | xx | Stated Remaining Term | 333 | 268 | 65 | 24.25373% | Stated remaining term 333. | Initial |
| 99569100 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 99569100 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 99569100 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value is not applicable | Initial |
| 99569100 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV is xx. | Initial |
| 99569100 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 99569100 | xx | xx | Property Address Street | xx | xx |  |  | Property Address street is xx | Initial |
| 99569100 | xx | xx | Property City | xx | xx |  |  | Property city is xx | Initial |
| 99569100 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose Of Refinance is change in rate term | Initial |
| 99569100 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose Of Transaction is Refinance | Initial |
| 99569100 | xx | xx | Stated Remaining Term | 408 | 363 | 45 | 12.39669% | Stated Remaining term is 408 | Initial |
| 99569100 | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject property type is manufactured housing | Initial |
| 28496339 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes | Initial |
| 28496339 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 28496339 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 28496339 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 28496339 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -3999.600% | -3999.60000% | Original Standard LTV (OLTV) is xx | Initial |
| 28496339 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 28496339 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 28496339 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  |  | Initial |
| 28496339 | xx | xx | Stated Remaining Term | 149 | 106 | 43 | 40.56603% | Stated Remaining Term is 149 | Initial |
| 28496339 | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject Property Type is Manufactured Housing | Initial |
| 62935259 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| 62935259 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name reflects xx. | Initial |
| 62935259 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 62935259 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 62935259 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | N/A. | Initial |
| 62935259 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | LTV reflects xx. | Initial |
| 62935259 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | 00. | Initial |
| 62935259 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  | Unavailable. | Initial |
| 62935259 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 62935259 | xx | xx | Stated Remaining Term | 55 | 56 | -1 | -1.78571% | Stated remaining term reflects 55. | Initial |
| 394512 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 394512 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 394512 | xx | xx | Doc Date of Last Modification | xx | xx | -701 (Days) |  | Doc Date of Last Modification is xx | Initial |
| 394512 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 394512 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 394512 | xx | xx | Payment History String | MM0000000000000001000000 | 000000000000000010000001 |  |  | Payment history string | Initial |
| 394512 | xx | xx | S&C Filing Date | xx | xx | 17 (Days) |  | S&C Filing Date is Not Applicable | Initial |
| 394512 | xx | xx | Stated Remaining Term | 305 | 214 | 91 | 42.52336% | Stated Remaining Term is 305 | Initial |
| 45538506 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 45538506 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 45538506 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8415.000% | -8415.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 45538506 | xx | xx | Payment History String | MM0000000000000010010124 | 000000000000000100101245 |  |  | Payment history string is MMM00000000000000100101 | Initial |
| 45538506 | xx | xx | Stated Remaining Term | 94 | 91 | 3 | 3.29670% | Stated remaining term is 94 | Initial |
| 52738924 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 52738924 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 52738924 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 52738924 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes. | Initial |
| 52738924 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8910.000% | -8910.00000% | Original standard LTV reflects xx. | Initial |
| 52738924 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000. | Initial |
| 52738924 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is unavailable. | Initial |
| 52738924 | xx | xx | Stated Maturity Date | xx | xx | -92 (Days) |  | Sated maturity date reflects xx. | Initial |
| 52738924 | xx | xx | Stated Remaining Term | 67 | 50 | 17 | 34.00000% | Stated remaining term reflects 67. | Initial |
| 44735680 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 44735680 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 44735680 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -2702.730% | -2702.73000% | Original standard LTV is xx. | Initial |
| 44735680 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000000 | Initial |
| 44735680 | xx | xx | Stated Remaining Term | 447 | 449 | -2 | -0.44543% | Stated Remaining Term is 447 | Initial |
| 44735680 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total balance of junior lien is Not Applicable | Initial |
| 45772514 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(post-loan origination) is Yes | Initial |
| 45772514 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 45772514 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 45772514 | xx | xx | Deferred Balance Amount | XX | XX | XX | -16.88573% | Deferred Balance Amount is $166,494.96 | Initial |
| 45772514 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 45772514 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original Standard LTV(OLTV) is Unavilable | Initial |
| 45772514 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 45772514 | xx | xx | Stated Remaining Term | 347 | 349 | -2 | -0.57306% | Stated Remaining term is 347 | Initial |
| 21259273 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 21259273 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 21259273 | xx | xx | Forbearance Plan Start Date | Unavailable | 6/1/2021 |  |  | Forbearance Plan Start Date is Not Applicable | Initial |
| 21259273 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 21259273 | xx | xx | Payment History String | M00000000000000000000044 | 000000000000000000000007 |  |  | Payment history string is M000000000000000000000000000 | Initial |
| 21259273 | xx | xx | Stated Remaining Term | 104 | 457 | -353 | -77.24288% | Stated Remaining term is 104 | Initial |
| 21259273 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD | Initial |
| 21259273 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of Junior Lien(s) is Not Applicable | Initial |
| 74586557 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  |  | Initial |
| 74586557 | xx | xx | Current Bankruptcy Chapter | Chapter 7 | Chapter 11 |  |  | Current Bankruptcy Chapter is Chapter 7 | Initial |
| 74586557 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 74586557 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 74586557 | xx | xx | Deferred Balance Amount | XX | XX | XX | -13.59309% | Deferred Balance Amount is $312,985.78 | Initial |
| 74586557 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6831.034% | -6831.03400% | Original Standard LTV (OLTV) is xx | Initial |
| 74586557 | xx | xx | Payment History String | M00000000000000000000210 | 000000000000000000000000 |  |  | Payment History String is M000000000000000000000000000 | Initial |
| 74586557 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 74586557 | xx | xx | Stated Remaining Term | 452 | 450 | 2 | 0.44444% | Stated Remaining Term is 452 | Initial |
| 72493827 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx. | Initial |
| 72493827 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 72493827 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 72493827 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in Foreclosure is No | Initial |
| 72493827 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 72493827 | xx | xx | Forbearance Plan Start Date | Not Applicable | 3/1/2020 |  |  |  | Initial |
| 72493827 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5454.875% | -5454.87500% | Original Standard LTV (OLTV) is xx | Initial |
| 72493827 | xx | xx | Payment History String | MM0000000000000022222222 | 000000000000000002222222 |  |  | Payment History String is M00000000000000022222222 | Initial |
| 72493827 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 72493827 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C Filing Date is Not Applicable | Initial |
| 72493827 | xx | xx | Stated Remaining Term | 443 | 438 | 5 | 1.14155% | Stated Remaining Term is 443 | Initial |
| 72493827 | xx | xx | Trial Modification Agreement in file? | No | Yes |  |  |  | Initial |
| 39634485 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 39634485 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date N/A | Initial |
| 39634485 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator Yes | Initial |
| 39634485 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original Standard LTV xx | Initial |
| 39634485 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 39634485 | xx | xx | Property Address Street | xx | xx |  |  | Property address Street xx. | Initial |
| 39634485 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C Filing Date Unavailable | Initial |
| 39634485 | xx | xx | Stated Remaining Term | 292 | 289 | 3 | 1.03806% | Stated Remaining Term 292 | Initial |
| 11922486 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 11922486 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A | Initial |
| 11922486 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  | Unavailable | Initial |
| 11922486 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Unavailable | Initial |
| 11922486 | xx | xx | Forbearance Plan Start Date | 11/1/2021 | 4/1/2020 | 579 (Days) |  | Unavailable | Initial |
| 11922486 | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Investor |  |  | Primary | Initial |
| 11922486 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7177.536% | -7177.53600% | Collateral value used for underwriting: xx, amount of secondary lien(s): $0.00, loan amount: xx, LTV: xx, current UPB is xx, with a current CLTV of xx. | Initial |
| 11922486 | xx | xx | Payment History String | M00000000000000100000000 | 000000000000000100000000 |  |  | 000000000000001000000004 | Initial |
| 11922486 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Cash out - other | Initial |
| 11922486 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Cash out | Initial |
| 11922486 | xx | xx | S&C Filing Date | xx | xx | 35 (Days) |  | NA | Initial |
| 11922486 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable | Initial |
| 11922486 | xx | xx | Stated Remaining Term | 143 | 321 | -178 | -55.45171% | 143 | Initial |
| 29566173 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 29566173 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 29566173 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is yes | Initial |
| 29566173 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV xx | Initial |
| 29566173 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 29566173 | xx | xx | Stated Remaining Term | 314 | 316 | -2 | -0.63291% | Stated remaining term 314 | Initial |
| 29566173 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  |  | Initial |
| 80701347 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 80701347 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 80701347 | xx | xx | Mod Step Indicator | Yes | No |  |  | NA. | Initial |
| 80701347 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5930.116% | -5930.11600% | Standard LTV ratio is xx. | Initial |
| 80701347 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 80701347 | xx | xx | Purpose of Refinance Per HUD-1 | Debt consolidation | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is change in rate/term. | Initial |
| 80701347 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | NA | Initial |
| 80701347 | xx | xx | Stated Remaining Term | 255 | 227 | 28 | 12.33480% | Stated remaining term is 255. | Initial |
| 80701347 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 73.12692% | Balance of junior lien is xx. | Initial |
| 6819520 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 6819520 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 6819520 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Not Applicable | Initial |
| 6819520 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7385.448% | -7385.44800% | Original Standard LTV(OLTV) is xx | Initial |
| 6819520 | xx | xx | Payment History String | MM0000000000000000000000 | 110000000000000000000000 |  |  | Payment History String is MM0000000000000000000000 | Initial |
| 6819520 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 6819520 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance per HUD-1 is Change in Rate/Term | Initial |
| 6819520 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-1 is Refinance | Initial |
| 6819520 | xx | xx | S&C Filing Date | Unavailable | xx |  |  |  | Initial |
| 6819520 | xx | xx | Stated Remaining Term | 346 | 333 | 13 | 3.90390% | Stated Remaining Term is 144 | Initial |
| 6819520 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 50894788 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 50894788 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 50894788 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6534.000% | -6534.00000% | xx | Initial |
| 50894788 | xx | xx | Payment History String | 00000000000000000M444MM3 | 000000000000000006555543 |  |  | 00000000000000000M444MM3 | Initial |
| 50894788 | xx | xx | Stated Remaining Term | 463 | 464 | -1 | -0.21551% | 463 | Initial |
| 50894788 | xx | xx | Subject Property Type | PUD | Single Family |  |  | PUD | Initial |
| 24584376 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 24584376 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 24584376 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  | Unavailable. | Initial |
| 24584376 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Unavailable. | Initial |
| 24584376 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | Unavailable. | Initial |
| 24584376 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6771.639% | -6771.63900% | LTV reflects xx. | Initial |
| 24584376 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 24584376 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Unavailable. | Initial |
| 24584376 | xx | xx | Stated Remaining Term | 161 | 151 | 10 | 6.62251% | Stated remaining term reflects 161. | Initial |
| 24584376 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  |  | Initial |
| 75695390 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 75695390 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 75695390 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 75695390 | xx | xx | Deferred Balance Amount | XX | XX | XX | 60.09400% | Deferred Balance Amount is $180,000.00 | Initial |
| 75695390 | xx | xx | Doc Date of Last Modification | xx | xx | -977 (Days) |  |  | Initial |
| 75695390 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 75695390 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 75695390 | xx | xx | Original Stated Rate | xx | xx | -6.48000% | -6.48000% |  | Initial |
| 75695390 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 75695390 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C Filing Date is Not Applicable | Initial |
| 75695390 | xx | xx | Stated Remaining Term | 323 | 324 | -1 | -0.30864% | Stated Remaining Term is 323 | Initial |
| 75695390 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 252.22276% | Total Balance of Junior Lien(s) is xx | Initial |
| 24172381 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 24172381 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 24172381 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -4583.704% | -4583.70400% | Standard LTV ratio is xx. | Initial |
| 24172381 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA | Initial |
| 24172381 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance is change in rate/term. | Initial |
| 24172381 | xx | xx | Stated Remaining Term | 450 | 452 | -2 | -0.44247% | Stated remaining term is 450. | Initial |
| 24172381 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 0.00091% | Balance of junior lien is xx. | Initial |
| 56104384 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 56104384 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 56104384 | xx | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 56104384 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -899.109% | -899.10900% | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): $0.00. Loan Amount: xx. CLTV xx. | Initial |
| 56104384 | xx | xx | Stated Remaining Term | 272 | 248 | 24 | 9.67741% | Stated remaining term is 272. | Initial |
| 97964342 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes | Initial |
| 97964342 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 97964342 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 97964342 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 97964342 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV (OLTV) is Unavailable | Initial |
| 97964342 | xx | xx | Payment History String | M00000000000000011001032 | 000000000000000011001054 |  |  | Payment History String is M00000000000000011001044 | Initial |
| 97964342 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 97964342 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C Filing Date is Unavailable | Initial |
| 97964342 | xx | xx | Stated Remaining Term | 385 | 375 | 10 | 2.66666% | Stated Remaining Term is 386 | Initial |
| 80328187 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 80328187 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not application | Initial |
| 80328187 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not application | Initial |
| 80328187 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 80328187 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -4950.000% | -4950.00000% | Original standard LTV (OLTV) is xx | Initial |
| 80328187 | xx | xx | Payment History String | M00000010000000000000000 | 000000010000000000000000 |  |  | Payment history string is M00000001000000000000000 | Initial |
| 80328187 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 80328187 | xx | xx | S&C Filing Date | xx | xx | 2 (Days) |  | S&C filing date is xx | Initial |
| 80328187 | xx | xx | Stated Remaining Term | 331 | 304 | 27 | 8.88157% | Stated remaining term is 331 | Initial |
| 34284320 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| 34284320 | xx | xx | Borrower's Income is impacted by Covid-19? | No | Yes |  |  | No. | Initial |
| 34284320 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 34284320 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A | Initial |
| 34284320 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | No. | Initial |
| 34284320 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | N/A | Initial |
| 34284320 | xx | xx | Forbearance Plan Start Date | 11/1/2019 | 12/1/2020 | -396 (Days) |  |  | Initial |
| 34284320 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | LTV reflects xx. | Initial |
| 34284320 | xx | xx | Payment History String | M00000000000000010110010 | 000000000000000010110010 |  |  | 00 | Initial |
| 34284320 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | N/A | Initial |
| 34284320 | xx | xx | Stated Remaining Term | 418 | 420 | -2 | -0.47619% | Stated remaining term reflects 129. | Initial |
| 57697507 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 57697507 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable. | Initial |
| 57697507 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is Unavailable. | Initial |
| 57697507 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 57697507 | xx | xx | Stated Remaining Term | 381 | 253 | 128 | 50.59288% | Stated remaining term is 381 | Initial |
| 25630917 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 25630917 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value is date is not applicable | Initial |
| 25630917 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount not applicable | Initial |
| 25630917 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is unavailable | Initial |
| 25630917 | xx | xx | Stated Remaining Term | 64 | 36 | 28 | 77.77777% | Stated remaining term is 64 | Initial |
| 75719483 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 75719483 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 75719483 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  |  | Initial |
| 75719483 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% |  | Initial |
| 75719483 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 75719483 | xx | xx | Stated Maturity Date | xx | xx | 4230 (Days) |  |  | Initial |
| 75719483 | xx | xx | Stated Remaining Term | 151 | 14 | 137 | 978.57142% |  | Initial |
| 7048553 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 7048553 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value date is Not Applicable | Initial |
| 7048553 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 7048553 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 7048553 | xx | xx | Stated Remaining Term | 204 | 206 | -2 | -0.97087% | Stated Remaining Term is 204 | Initial |
| 7048553 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 116.62318% | Total Balance of Junior Lien (s) is Not Applicable | Initial |
| 94633607 | xx | xx | Borrower's Income is impacted by Covid-19? | Yes | No |  |  | NA. | Initial |
| 94633607 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | NA. | Initial |
| 94633607 | xx | xx | Current Legal Status | Performing | Bankruptcy |  |  | NA. | Initial |
| 94633607 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 94633607 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 94633607 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | NA. | Initial |
| 94633607 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 94633607 | xx | xx | Doc Date of Last Modification | Not Applicable | xx |  |  | NA. | Initial |
| 94633607 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | NA. | Initial |
| 94633607 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8088.305% | -8088.30500% |  | Initial |
| 94633607 | xx | xx | Original Stated P&I | xx | xx | xx | -29.85092% | As per note. | Initial |
| 94633607 | xx | xx | Payment History String | 000000000000000000000001 | 000000000000000000000000 |  |  |  | Initial |
| 94633607 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 94633607 | xx | xx | Stated Maturity Date | xx | xx | -9914 (Days) |  | NA. | Initial |
| 94633607 | xx | xx | Stated Remaining Term | -93 | 234 | -327 | -139.74358% | NA. | Initial |
| 97050073 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 97050073 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 97050073 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 97050073 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod step indicator is not applicable | Initial |
| 97050073 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8415.000% | -8415.00000% | As per loan document. | Initial |
| 97050073 | xx | xx | Payment History String | M00000000000000001111111 | 000000000000000001111111 |  |  | Payment history string is M00000000000001111111111 | Initial |
| 97050073 | xx | xx | Stated Maturity Date | xx | xx | -274 (Days) |  | Stated maturity date is xx | Initial |
| 97050073 | xx | xx | Stated Remaining Term | 156 | 117 | 39 | 33.33333% | Stated remaining term is 156 | Initial |
| 34608317 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 34608317 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34608317 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 34608317 | xx | xx | Forbearance Plan Start Date | Not Applicable | 5/1/2020 |  |  | Forbearance Plan Start Date is Not Applicable | Initial |
| 34608317 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7791.277% | -7791.27700% | Original Standard LTV(OLTV) is Unavailable | Initial |
| 34608317 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000000 | Initial |
| 34608317 | xx | xx | Stated Remaining Term | 67 | 68 | -1 | -1.47058% | Stated Remaining Term is 52 | Initial |
| 34608317 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | NA. | Initial |
| 78231867 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 78231867 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 78231867 | xx | xx | Deferred Balance Amount | XX | XX | XX | 121.47628% | NA. | Initial |
| 78231867 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6930.000% | -6930.00000% | LTV ratio percent is xx. | Initial |
| 78231867 | xx | xx | Payment History String | MM0000000000000000000000 | 010000000000000001000000 |  |  | NA. | Initial |
| 78231867 | xx | xx | Stated Remaining Term | 380 | 343 | 37 | 10.78717% | Stated remaining term is 380. | Initial |
| 78231867 | xx | xx | Total Forgiven Principal Amount | XX | XX | XX | 50.00000% |  | Initial |
| 8256852 | xx | xx | Borrower's Income is impacted by Covid-19? | No | Yes |  |  | No | Initial |
| 8256852 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 8256852 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 8256852 | xx | xx | Deferred Balance Amount | XX | XX | XX | 8756.88270% | Deferred Balance Amount is $99,362.71. | Initial |
| 8256852 | xx | xx | Forbearance Plan Start Date | Unavailable | 5/1/2020 |  |  | Unavilable | Initial |
| 8256852 | xx | xx | Mod Step Indicator | Yes | No |  |  | Yes | Initial |
| 8256852 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9405.000% | -9405.00000% | Original Standard LTV(OLTV) is xx. | Initial |
| 8256852 | xx | xx | Payment History String | M00000000000001000000000 | 000000000000000100000000 |  |  | Payment History string is 000000000000001000000000 | Initial |
| 8256852 | xx | xx | Stated Remaining Term | 157 | 138 | 19 | 13.76811% | Stated Remaining Term is 157. | Initial |
| 8256852 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| 87190632 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 87190632 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is N/A. | Initial |
| 87190632 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount is N/A. | Initial |
| 87190632 | xx | xx | Forbearance Plan Start Date | Not Applicable | 3/1/2020 |  |  | Forbearance plan start date is N/A. | Initial |
| 87190632 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5435.113% | -5435.11300% | Original standard LTV is xx. | Initial |
| 87190632 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA | Initial |
| 87190632 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 87190632 | xx | xx | Stated Remaining Term | 387 | 376 | 11 | 2.92553% | Stated remaining term is 387. | Initial |
| 87190632 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 0.86630% | NA | Initial |
| 87190632 | xx | xx | Trial Modification Agreement in file? | No | Yes |  |  | Trial modification agreement in file is no. | Initial |
| 42137315 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post - Loan Origination) is Yes | Initial |
| 42137315 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 42137315 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 42137315 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 42137315 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6930.000% | -6930.00000% | OriginalLTV (OLTV) is xx | Initial |
| 42137315 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is MM0000000000000000000000000 | Initial |
| 42137315 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 42137315 | xx | xx | Stated Remaining Term | 156 | 158 | -2 | -1.26582% | Stated Remaining Term is 156 | Initial |
| 42137315 | xx | xx | Subject Property Type | Manufactured Housing | Mobile Home |  |  | Subject Property Type is Manufactured Housing | Initial |
| 96260918 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 96260918 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 96260918 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | NA. | Initial |
| 96260918 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | NA. | Initial |
| 96260918 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8415.000% | -8415.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 96260918 | xx | xx | Payment History String | M00100010000000000000000 | 000100010000000000000000 |  |  | NA. | Initial |
| 96260918 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance perHUD-1 is Cash out-Other | Initial |
| 96260918 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of Transaction per HUD-1 is Cash Out | Initial |
| 96260918 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | NA. | Initial |
| 96260918 | xx | xx | Stated Remaining Term | 100 | 102 | -2 | -1.96078% | Stated Remaining Term is 100 | Initial |
| 42189030 | xx | xx | Borrower Last Name | xx | xx |  |  | As per note. | Initial |
| 42189030 | xx | xx | Borrower's Income is impacted by Covid-19? | No | Yes |  |  |  | Initial |
| 42189030 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  |  | Initial |
| 42189030 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 42189030 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 42189030 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  |  | Initial |
| 42189030 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  |  | Initial |
| 42189030 | xx | xx | Forbearance Plan Start Date | Not Applicable | 9/1/2020 |  |  |  | Initial |
| 42189030 | xx | xx | Mod Step Indicator | Unavailable | No |  |  |  | Initial |
| 42189030 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8880.345% | -8880.34500% | As per calculation. | Initial |
| 42189030 | xx | xx | Payment History String | MM0000000000000032100000 | 000000000000000001000000 |  |  |  | Initial |
| 42189030 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 42189030 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | As per hud. | Initial |
| 42189030 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | As per hud. | Initial |
| 42189030 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | As per note. | Initial |
| 42189030 | xx | xx | Stated Remaining Term | 101 | 99 | 2 | 2.02020% |  | Initial |
| 42189030 | xx | xx | Trial Modification Agreement in file? | No | Yes |  |  |  | Initial |
| 79267194 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 79267194 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 79267194 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is N/A. | Initial |
| 79267194 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure is no. | Initial |
| 79267194 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7335.909% | -7335.90900% | Original standard LTV is xx. | Initial |
| 79267194 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 79267194 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C filing date is N/A. | Initial |
| 79267194 | xx | xx | Stated Remaining Term | 170 | 158 | 12 | 7.59493% | Stated remaining term is 170. | Initial |
| 64005860 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | bankruptcy yes | Initial |
| 64005860 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 64005860 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 64005860 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator yes | Initial |
| 64005860 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5652.857% | -5652.85700% | Original standard LTV xx | Initial |
| 64005860 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String M00000000000000000000000 | Initial |
| 64005860 | xx | xx | Stated Remaining Term | 367 | 369 | -2 | -0.54200% | Stated remaining term 367 | Initial |
| 64005860 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | -28.00000% | Total Balance of junior lien xx | Initial |
| 34108427 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 Middle Name is xx | Initial |
| 34108427 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 34108427 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 34108427 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 34108427 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6553.846% | -6553.84600% | Original standard LTV is xx. | Initial |
| 34108427 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 34108427 | xx | xx | Stated Remaining Term | 154 | 146 | 8 | 5.47945% | Stated Remaining Term is 154 | Initial |
| 34108427 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  |  | Initial |
| 7556628 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 7556628 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 7556628 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc Date of Last Modification is Unavailable | Initial |
| 7556628 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | Mod Step Indicator is Unavailable | Initial |
| 7556628 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8098.248% | -8098.24800% | Original standard LTV is xx. | Initial |
| 7556628 | xx | xx | Payment History String | M00000000000001010000001 | 000000000000001010000001 |  |  | Payment History String is M000000000000001010000001 | Initial |
| 7556628 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated Maturity Date is Unavailable | Initial |
| 7556628 | xx | xx | Stated Remaining Term | 69 | 70 | -1 | -1.42857% | Stated Remaining Term is 69 | Initial |
| 43188146 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 43188146 | xx | xx | Borrower's Income is impacted by Covid-19? | No | Yes |  |  | NA. | Initial |
| 43188146 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 43188146 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 43188146 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA. | Initial |
| 43188146 | xx | xx | Forbearance Plan Start Date | Unavailable | 7/1/2020 |  |  | NA | Initial |
| 43188146 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7217.083% | -7217.08300% | Standard LTV ratio is xx. | Initial |
| 43188146 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 43188146 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 43188146 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Change in Rate/Term |  |  | NA. | Initial |
| 43188146 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | NA | Initial |
| 43188146 | xx | xx | Stated Remaining Term | 449 | 450 | -1 | -0.22222% | NA. | Initial |
| 43188146 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 9146873 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 9146873 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is not applicable | Initial |
| 9146873 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -4425.333% | -4425.33300% | Original standard LTV xx | Initial |
| 9146873 | xx | xx | Payment History String | MM0010010000000000000000 | 010010010000000000000000 |  |  | Payment History String MM0010010000000000000000 | Initial |
| 9146873 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 9146873 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per HUD Change in rate term | Initial |
| 9146873 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD refinance | Initial |
| 9146873 | xx | xx | Stated Remaining Term | 432 | 434 | -2 | -0.46082% | Stated remaining term 432 | Initial |
| 9146873 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of junior lien is not applicable | Initial |
| 25914006 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 25914006 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 25914006 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | NA. | Initial |
| 25914006 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV(OLTV) is xx | Initial |
| 25914006 | xx | xx | Payment History String | M00000000000000001100011 | 000000000000000001100011 |  |  | Payment history string is 000000000000000011100011 | Initial |
| 25914006 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 25914006 | xx | xx | Stated Remaining Term | 405 | 407 | -2 | -0.49140% | Stated Remaining Term is 405 | Initial |
| 25648934 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 25648934 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 25648934 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): $0.00. Loan Amount: xx. CLTV xx. | Initial |
| 25648934 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M00000000000000000000000. | Initial |
| 25648934 | xx | xx | Stated Remaining Term | 217 | 203 | 14 | 6.89655% | Stated remaining term 217. | Initial |
| 25648934 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | N/A. | Initial |
| 86188944 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 86188944 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 86188944 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8385.283% | -8385.28300% | Original standard LTV is xx. | Initial |
| 86188944 | xx | xx | Payment History String | MM0000000000000000444334 | 000000000000000005443343 |  |  | Payment history string is MM0000000000000000444334. | Initial |
| 86188944 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 86188944 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C filing date is not applicable. | Initial |
| 86188944 | xx | xx | Stated Remaining Term | 437 | 435 | 2 | 0.45977% | Stated remaining term is 437. | Initial |
| 38676747 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 38676747 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N.A. | Initial |
| 38676747 | xx | xx | Deferred Balance Amount | XX | XX | XX | -33.88954% | Deferred Balance Amount is $12,268.97 | Initial |
| 38676747 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9405.000% | -9405.00000% | As per calculation. | Initial |
| 38676747 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | m00000000000000000000000 | Initial |
| 38676747 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 38676747 | xx | xx | Stated Remaining Term | 382 | 383 | -1 | -0.26109% | As per note. | Initial |
| 50767699 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 50767699 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 50767699 | xx | xx | Original Note Doc Date | xx | xx | -9 (Days) |  | As per note document date is xx. | Initial |
| 50767699 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7286.389% | -7286.38900% | As per calculation Original LTV at xx. | Initial |
| 50767699 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 50767699 | xx | xx | Stated Remaining Term | 84 | 86 | -2 | -2.32558% | Stated remaining term is 84. | Initial |
| 91436419 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 91436419 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 91436419 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8910.000% | -8910.00000% | Original standard LTV at xx. | Initial |
| 91436419 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 91436419 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 91436419 | xx | xx | Stated Remaining Term | 140 | 113 | 27 | 23.89380% | Stated remaining term is 140. | Initial |
| 99226191 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value N/A | Initial |
| 99226191 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date N/A | Initial |
| 99226191 | xx | xx | Deferred Balance Amount | XX | XX | XX | 48.12307% | Deferred balance amount N/A | Initial |
| 99226191 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator Yes | Initial |
| 99226191 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV xx | Initial |
| 99226191 | xx | xx | Payment History String | 000000000000000010211111 | 000000000000000102111113 |  |  |  | Initial |
| 99226191 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 99226191 | xx | xx | Stated Remaining Term | 216 | 217 | -1 | -0.46082% | Stated Remaining Term 216 | Initial |
| 4911545 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 4911545 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 4911545 | xx | xx | Deferred Balance Amount | Unavailable | XX |  |  | Deferred Balance Amount is Unavailable | Initial |
| 4911545 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc Date of Last Modification is Unavailable | Initial |
| 4911545 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | Mod Step Indicator is Unavaible | Initial |
| 4911545 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is xx | Initial |
| 4911545 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 4911545 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 4911545 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 4911545 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated Maturity Date is Unavailable | Initial |
| 4911545 | xx | xx | Stated Remaining Term | 125 | 183 | -58 | -31.69398% | Stated Remaining Term is 125 | Initial |
| 4911545 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of Junior Lien(s) is not applicable | Initial |
| 56516416 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy(post-loan originator)? is Yes | Initial |
| 56516416 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 56516416 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is not Applicable | Initial |
| 56516416 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is xx | Initial |
| 56516416 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M000000000000000000000000000 | Initial |
| 56516416 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 56516416 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 56516416 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of Junior Lien(s) is not applicable | Initial |
| 58613998 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 58613998 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is not applicable | Initial |
| 58613998 | xx | xx | Deferred Balance Amount | XX | XX | XX | 68.03334% | Deferred Balance Amount $313,400.00 | Initial |
| 58613998 | xx | xx | Doc Date of Last Modification | xx | xx | -946 (Days) |  | Doc date of last modification xx | Initial |
| 58613998 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator yes | Initial |
| 58613998 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6900.303% | -6900.30300% | Original standard LTV xx | Initial |
| 58613998 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String M00000000000000000000000 | Initial |
| 58613998 | xx | xx | Stated Remaining Term | 324 | 326 | -2 | -0.61349% | Stated remaining term 324 | Initial |
| 55933136 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 55933136 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 55933136 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is not applicable | Initial |
| 55933136 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | Currently in foreclosure no | Initial |
| 55933136 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9751.546% | -9751.54600% | Original standard LTV xx | Initial |
| 55933136 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 55933136 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 55933136 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | S&C Filling Date is not applicable | Initial |
| 55933136 | xx | xx | Stated Remaining Term | 323 | 262 | 61 | 23.28244% | Stated remaining term 323 | Initial |
| 51477513 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 51477513 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 51477513 | xx | xx | Deferred Balance Amount | XX | XX | XX | -17.12177% | Deferred Balance Amount is $89,000.00 | Initial |
| 51477513 | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| 51477513 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV (OLTV) is xx | Initial |
| 51477513 | xx | xx | Original Stated P&I | xx | xx | xx | 40.30160% | Original Stated P&I is xx | Initial |
| 51477513 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M0000000000000000000000000 | Initial |
| 51477513 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 51477513 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 51477513 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 51477513 | xx | xx | Stated Remaining Term | 168 | 170 | -2 | -1.17647% | Stated Remaining Term is 168 | Initial |
| 51477513 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | -57.14326% |  | Initial |
| 83907107 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 83907107 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 83907107 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount is Not Applicable | Initial |
| 83907107 | xx | xx | Forbearance Plan Start Date | Not Applicable | 4/1/2020 |  |  | Forbearance plan start date is Not Applicable | Initial |
| 83907107 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is Yes | Initial |
| 83907107 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original standard LTV is xx. | Initial |
| 83907107 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000 | Initial |
| 83907107 | xx | xx | Stated Remaining Term | 113 | 112 | 1 | 0.89285% | Stated remaining term is 113 | Initial |
| 83907107 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total balance of junior is Not Applicable | Initial |
| 83907107 | xx | xx | Trial Modification Agreement in file? | No | Yes |  |  | Trial modification agreement in file? is No | Initial |
| 46562688 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes | Initial |
| 46562688 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | Current Bankruptcy Post Petition Due Date is Not Applicable | Initial |
| 46562688 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 46562688 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 46562688 | xx | xx | Doc Date of Last Modification | xx | xx | -31 (Days) |  |  | Initial |
| 46562688 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 46562688 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7296.290% | -7296.29000% | Original Standard LTV (OLTV) is xx | Initial |
| 46562688 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 46562688 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 46562688 | xx | xx | Stated Remaining Term | 334 | 283 | 51 | 18.02120% | Stated Remaining Term is 334 | Initial |
| 46562688 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is High Rise Condo (>=9 Stories) | Initial |
| 99610907 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 99610907 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 99610907 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 99610907 | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| 99610907 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6326.100% | -6326.10000% | Original Standard LTV (OLTV) is xx | Initial |
| 99610907 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000000 | Initial |
| 99610907 | xx | xx | Stated Remaining Term | 423 | 422 | 1 | 0.23696% | Stated Remaining term is 423 | Initial |
| 99610907 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total balance of junior Lien (s) is Not Applicable | Initial |
| 15463281 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Yes. | Initial |
| 15463281 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 15463281 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 15463281 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original LTV xx | Initial |
| 15463281 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | M00000000000000000000000. | Initial |
| 15463281 | xx | xx | Stated Remaining Term | 442 | 444 | -2 | -0.45045% | Stated remaining term 442. | Initial |
| 15463281 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | N/A. | Initial |
| 70148978 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 70148978 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 70148978 | xx | xx | Doc Date of Last Modification | xx | xx | -304 (Days) |  | xx. | Initial |
| 70148978 | xx | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 70148978 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original LTV xx. | Initial |
| 70148978 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 70148978 | xx | xx | S&C Filing Date | xx | xx | 8 (Days) |  | S&C filing date xx. | Initial |
| 70148978 | xx | xx | Stated Remaining Term | 320 | 315 | 5 | 1.58730% | 320. | Initial |
| 70148978 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 22.30160% |  | Initial |
| 81197033 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 81197033 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 81197033 | xx | xx | Deferred Balance Amount | XX | XX | XX | 1980.14293% | $32600.00 | Initial |
| 81197033 | xx | xx | Doc Date of Last Modification | xx | xx | -548 (Days) |  | xx. | Initial |
| 81197033 | xx | xx | Mod Step Indicator | Yes | No |  |  | Yes. | Initial |
| 81197033 | xx | xx | Original Appraised Value | xx | xx | xx | -99.00000% | Unavailable. | Initial |
| 81197033 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Unavailable. | Initial |
| 81197033 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | 00 | Initial |
| 81197033 | xx | xx | Property Address Street | xx | xx |  |  | Property street address reflects xx | Initial |
| 81197033 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  | Unavailable. | Initial |
| 81197033 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 81197033 | xx | xx | Stated Remaining Term | 311 | 264 | 47 | 17.80303% | 311. | Initial |
| 50075613 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A | Initial |
| 50075613 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A | Initial |
| 50075613 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7662.609% | -7662.60900% | LTV reflects xx. | Initial |
| 50075613 | xx | xx | Payment History String | MM0000000000002112110001 | 210000000000002112110001 |  |  | 00 | Initial |
| 50075613 | xx | xx | S&C Filing Date | xx | xx | 13 (Days) |  | xx. | Initial |
| 50075613 | xx | xx | Stated Remaining Term | 287 | 266 | 21 | 7.89473% | 287. | Initial |
| 55272471 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 55272471 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value is Not Applicable | Initial |
| 55272471 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc Date of Last Modification | Initial |
| 55272471 | xx | xx | Mod Step Indicator | Unavailable | No |  |  | Mod Step Indicator is Unavailable | Initial |
| 55272471 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5940.000% | -5940.00000% | Original Standard LTV (OLTV) | Initial |
| 55272471 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is 10000000000000000000000000 | Initial |
| 55272471 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance is change in rate/term. | Initial |
| 55272471 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 is refinance. | Initial |
| 55272471 | xx | xx | Stated Maturity Date | Unavailable | xx |  |  | Stated Maturity Date is Unavailable | Initial |
| 55272471 | xx | xx | Stated Remaining Term | 114 | 90 | 24 | 26.66666% | Stated Remaining Term is 114 | Initial |
| 64979710 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 64979710 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is not applicable | Initial |
| 64979710 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8275.152% | -8275.15200% | Original Standard LTV(OLTV) is xx | Initial |
| 64979710 | xx | xx | Payment History String | M00000000000000001011100 | 000000000000000010111001 |  |  |  | Initial |
| 64979710 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 64979710 | xx | xx | Stated Remaining Term | 331 | 249 | 82 | 32.93172% | Stated Remaining Term is 331 | Initial |
| 48277821 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 48277821 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value is not applicable | Initial |
| 48277821 | xx | xx | Deferred Balance Amount | XX | XX | XX | 9.40642% | Deferred Balance Amount is $53,200.00 | Initial |
| 48277821 | xx | xx | Doc Date of Last Modification | xx | xx | -244 (Days) |  | xx. | Initial |
| 48277821 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard ltv(oltv) is xx | Initial |
| 48277821 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | M00000000000000000000000 | Initial |
| 48277821 | xx | xx | Stated Remaining Term | 323 | 270 | 53 | 19.62962% | Stated Remaining Term is 323 | Initial |
| 48277821 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 48277821 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | -0.10816% | Balance of junior lien is xx. | Initial |
| 48277821 | xx | xx | Total Forgiven Principal Amount | XX | XX | XX | -100.00000% | $0.00 | Initial |
| 36952259 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination)? is Yes | Initial |
| 36952259 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | Current balance post petition due date is not applicable | Initial |
| 36952259 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 36952259 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 36952259 | xx | xx | Deferred Balance Amount | XX | XX | XX | -0.87588% | Deferred Balance Amount is $273,434.09 | Initial |
| 36952259 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6751.818% | -6751.81800% | Original Standard LTV (OLTV) is xx | Initial |
| 36952259 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | M0000000000000000000000 | Initial |
| 36952259 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 36952259 | xx | xx | Stated Remaining Term | 365 | 367 | -2 | -0.54495% | Stated Remaining Term is 365 | Initial |
| 38568292 | xx | xx | Current Bankruptcy Post Petition Due Date | xx | xx | 61 (Days) |  | NA. | Initial |
| 38568292 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 38568292 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 38568292 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 38568292 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is xx | Initial |
| 38568292 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M000000000000000000 | Initial |
| 38568292 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 38568292 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 38568292 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 38568292 | xx | xx | Stated Remaining Term | 354 | 339 | 15 | 4.42477% | Stated remaining term is 354 | Initial |
| 38568292 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 29197304 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 29197304 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 29197304 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 29197304 | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes. | Initial |
| 29197304 | xx | xx | Mod Step Indicator | Yes | No |  |  |  | Initial |
| 29197304 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7880.417% | -7880.41700% | LTV ratio percent is xx. | Initial |
| 29197304 | xx | xx | Original Stated P&I | Unavailable | xx |  |  | Unavailable. | Initial |
| 29197304 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 29197304 | xx | xx | Stated Maturity Date | xx | xx | 4321 (Days) |  | Stated maturity date is xx. | Initial |
| 29197304 | xx | xx | Stated Remaining Term | 378 | 213 | 165 | 77.46478% | Stated remaining term is 378. | Initial |
| 29197304 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 43.14556% | Balance of junior lien is xx. | Initial |
| 32058555 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  |  | Initial |
| 32058555 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 32058555 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 32058555 | xx | xx | Interest Only Period? | Yes | No |  |  |  | Initial |
| 32058555 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Collateral value used for underwriting: xx, amount of secondary lien(s): xx, loan amount: xx, LTV: xx, current UPB is xx, with a current CLTV of xx. | Initial |
| 32058555 | xx | xx | Original Stated P&I | xx | xx | xx | 43.37178% | As per note original stated P&I is xx | Initial |
| 32058555 | xx | xx | Payment History String | M00000000000000003221221 | 000000000000000032212210 |  |  |  | Initial |
| 32058555 | xx | xx | Property Address Street | xx | xx |  |  | As per note property address street is xx. | Initial |
| 32058555 | xx | xx | Stated Remaining Term | 428 | 430 | -2 | -0.46511% |  | Initial |
| 40413439 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 40413439 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 40413439 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount Not Applicable | Initial |
| 40413439 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 40413439 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7375.536% | -7375.53600% | Original Standard LTV(OLTV) is xx | Initial |
| 40413439 | xx | xx | Payment History String | M000000000000M2221121010 | 000000000000002220121010 |  |  | Payment history string is M0000000000000000322211221010 | Initial |
| 40413439 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C Filing date is Unavailable | Initial |
| 1992661 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 1992661 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 1992661 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Standard LTV ratio is xx. | Initial |
| 1992661 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 1992661 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 1992661 | xx | xx | Stated Remaining Term | 332 | 334 | -2 | -0.59880% | Stated remaining term is 332. | Initial |
| 1992661 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 669.37263% | Balance of junior lien is xx. | Initial |
| 65626041 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | xx. | Initial |
| 65626041 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 65626041 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 65626041 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 65626041 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8910.000% | -8910.00000% | Original standard LTV (OLTV) is xx | Initial |
| 65626041 | xx | xx | Original Stated P&I | xx | xx | xx | 301.83377% | Original stated P&I is xx | Initial |
| 65626041 | xx | xx | Original Stated Rate | xx | xx | 5.37500% | 5.37500% | Original stated rate is xx | Initial |
| 65626041 | xx | xx | Payment History String | M00100000000000000000000 | 000100000000000000000000 |  |  | Payment history string is m00100000000000000000000000 | Initial |
| 65626041 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 65626041 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is cash out-other | Initial |
| 65626041 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-1 is cash-out | Initial |
| 65626041 | xx | xx | S&C Filing Date | Unavailable | xx |  |  | S&C filing date is unavailable | Initial |
| 65626041 | xx | xx | Stated Remaining Term | 308 | 152 | 156 | 102.63157% | Stated remaining term is 308 | Initial |
| 36009802 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value Date Not Appliable | Initial |
| 36009802 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is not applicable | Initial |
| 36009802 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -6029.115% | -6029.11500% | Original Standard LTV(OLTV) is xx | Initial |
| 36009802 | xx | xx | Payment History String | M00000000000000122100000 | 000000000000000122100000 |  |  |  | Initial |
| 36009802 | xx | xx | Stated Remaining Term | 385 | 336 | 49 | 14.58333% | Stated Remaining Term is 385 | Initial |
| 96766221 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 96766221 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | NA. | Initial |
| 96766221 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 96766221 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 96766221 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes. | Initial |
| 96766221 | xx | xx | Original Appraised Value | xx | xx | xx | -3.33333% | Original appraisal value is xx. | Initial |
| 96766221 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 96766221 | xx | xx | Payment History String | M00000000000000011000000 | 000000000000000010000000 |  |  | NA. | Initial |
| 96766221 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 96766221 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 96766221 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 96766221 | xx | xx | Stated Remaining Term | 311 | 303 | 8 | 2.64026% | Stated remaining term is 311. | Initial |
| 81847888 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 81847888 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable. | Initial |
| 81847888 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV (OLTV) is xx. | Initial |
| 81847888 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M00000000000000000000000 | Initial |
| 81847888 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  | Purpose of Refinance Per HUD-1 is Change in Rate/Term | Initial |
| 81847888 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 81847888 | xx | xx | Stated Remaining Term | 450 | 452 | -2 | -0.44247% | Stated Remaining Term is 450. | Initial |
| 81847888 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 5.21885% | Total Balance of Junior Lien(s) is Not Applicable. | Initial |
| 40498228 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 40498228 | xx | xx | Current Value | Unavailable | xx |  |  | Current value is not applicable | Initial |
| 40498228 | xx | xx | Current Value Date | Unavailable | XX |  |  | Current value date is not applicable | Initial |
| 40498228 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is Unavailable | Initial |
| 40498228 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M0000000000000000 | Initial |
| 40498228 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 40498228 | xx | xx | Stated Remaining Term | 402 | 357 | 45 | 12.60504% | Stated remaining term is 402 | Initial |
| 79284646 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 79284646 | xx | xx | Borrower First Name | xx | xx |  |  | As per loan document. | Initial |
| 79284646 | xx | xx | Borrower Last Name | xx | xx |  |  | As per loan document. | Initial |
| 79284646 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 79284646 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 79284646 | xx | xx | Deferred Balance Amount | XX | XX | XX | -18.45861% | Deferred Balance Amount is $41,600.00 | Initial |
| 79284646 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is yes | Initial |
| 79284646 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV(OLTV) is xx | Initial |
| 79284646 | xx | xx | Payment History String | M00000000000000MMMMMMMMM | 100000000000000099876543 |  |  | NA. | Initial |
| 79284646 | xx | xx | Property Address Street | xx | xx |  |  | As per loan document. | Initial |
| 79284646 | xx | xx | Stated Remaining Term | 373 | 372 | 1 | 0.26881% | Stated Remaining Term is 373 | Initial |
| 815928 | xx | xx | Bankruptcy Filing Date | Not Applicable | xx |  |  | NA | Initial |
| 815928 | xx | xx | Current Bankruptcy Chapter | Not Applicable | Chapter 13 |  |  | NA | Initial |
| 815928 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | NA | Initial |
| 815928 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 815928 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is Not Applicable | Initial |
| 815928 | xx | xx | Deferred Balance Amount | XX | XX | XX | 49.99999% | Deferred Balance Amount is Not Applicable | Initial |
| 815928 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 815928 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M000000000000000000000 | Initial |
| 815928 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 815928 | xx | xx | S&C Filing Date | xx | xx | 33 (Days) |  | S&C Filing date is xx | Initial |
| 815928 | xx | xx | Stated Remaining Term | 318 | 312 | 6 | 1.92307% | Stated Remaining Term is 318 | Initial |
| 815928 | xx | xx | Total Forgiven Principal Amount | XX | XX | XX | 200.00001% | Total Forgiven Principal Amount is $280,282.00 | Initial |
| 78056120 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 78056120 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 78056120 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 78056120 | xx | xx | Mod Step Indicator | Yes | No |  |  | NA. | Initial |
| 78056120 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7850.732% | -7850.73200% | Collateral value used for underwriting: xx, amount of secondary lien(s): $0.00, loan amount: xx, LTV: xx, current UPB is xx, with a current CLTV of xx. | Initial |
| 78056120 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 78056120 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 78056120 | xx | xx | S&C Filing Date | xx | xx | 295 (Days) |  | NA. | Initial |
| 78056120 | xx | xx | Stated Remaining Term | 355 | 356 | -1 | -0.28089% | NA. | Initial |
| 78056120 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | NA. | Initial |
| 88719164 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | NA. | Initial |
| 88719164 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 88719164 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 88719164 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Collateral value used for underwriting: xx, amount of secondary lien(s): $0.00, loan amount: xx, LTV: xx, current UPB is xx, with a current CLTV of xx. | Initial |
| 88719164 | xx | xx | Payment History String | M00000010000000000000000 | 000000010000000000000000 |  |  | NA. | Initial |
| 88719164 | xx | xx | Property Address Street | xx | xx |  |  | As per note property address street is xx | Initial |
| 88719164 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 88719164 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 88719164 | xx | xx | Stated Remaining Term | 307 | 309 | -2 | -0.64724% | NA. | Initial |
| 11648485 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy is yes. | Initial |
| 11648485 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 11648485 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 11648485 | xx | xx | Doc Date of Last Modification | xx | xx | -669 (Days) |  | Doc date of last modification is xx. | Initial |
| 11648485 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes. | Initial |
| 11648485 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | LTV reflects xx | Initial |
| 11648485 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000. | Initial |
| 11648485 | xx | xx | Property Address Street | xx | xx |  |  | Property street address reflects xx | Initial |
| 11648485 | xx | xx | S&C Filing Date | xx | xx | 10 (Days) |  | S&C filing date is xx. | Initial |
| 11648485 | xx | xx | Stated Remaining Term | 308 | 286 | 22 | 7.69230% | Stated remaining term is 308. | Initial |
| 11648485 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 293.54741% | Total balance of junior lien is xx. | Initial |
| 2611385 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 2611385 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA. | Initial |
| 2611385 | xx | xx | Mod Step Indicator | Yes | No |  |  | NA. | Initial |
| 2611385 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -9870.267% | -9870.26700% | Collateral value used for underwriting: xx, amount of secondary lien(s): $0.00 , loan amount: xx, LTV: xx, current UPB is xx, with a current CLTV of xx. | Initial |
| 2611385 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | NA. | Initial |
| 2611385 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 2611385 | xx | xx | Stated Remaining Term | 160 | 75 | 85 | 113.33333% | NA. | Initial |
| 86995905 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 86995905 | xx | xx | Current Bankruptcy Post Petition Due Date | Not Applicable | xx |  |  | Current bankruptcy post petition due date is not applicable | Initial |
| 86995905 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 86995905 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 86995905 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is xx | Initial |
| 86995905 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 86995905 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 86995905 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 86995905 | xx | xx | S&C Filing Date | xx | xx | 4732 (Days) |  | S&C filing date is not applicable | Initial |
| 86995905 | xx | xx | Stated Remaining Term | 253 | 206 | 47 | 22.81553% | Stated remaining term is 253 | Initial |
| 16221614 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 16221614 | xx | xx | Current Value Date | Not Applicable | XX |  |  | NA | Initial |
| 16221614 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | NA | Initial |
| 16221614 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | As per calculation. | Initial |
| 16221614 | xx | xx | Payment History String | M00100000000000000000000 | 000100000000000000000000 |  |  | NA | Initial |
| 16221614 | xx | xx | S&C Filing Date | Not Applicable | xx |  |  | NA | Initial |
| 16221614 | xx | xx | Stated Remaining Term | 444 | 446 | -2 | -0.44843% | NA | Initial |
| 16221614 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 0.10400% | N.A. | Initial |
| 93156703 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 93156703 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is N/A. | Initial |
| 93156703 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | NA. | Initial |
| 93156703 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 93156703 | xx | xx | Payment History String | M000000000000000MMMMMMMM | 000000000000000007654321 |  |  | NA. | Initial |
| 93156703 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 93156703 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 93156703 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 93156703 | xx | xx | Stated Remaining Term | 146 | 148 | -2 | -1.35135% | Stated remaining term is 146. | Initial |
| 50823708 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 50823708 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 50823708 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 50823708 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original Standard LTV(OLTV) is xx | Initial |
| 50823708 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 50823708 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance per HUD-1 is No Cash-Out | Initial |
| 50823708 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction Per HUD-1 is Refinance | Initial |
| 50823708 | xx | xx | Stated Remaining Term | 304 | 306 | -2 | -0.65359% | Stated Remaining term is 304 | Initial |
| 50823708 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 10.25389% | Total Balance of Junior Lien(s) is xx | Initial |
| 82537398 | xx | xx | Current Bankruptcy Case Number | xx | xx |  |  | Current bankruptcy case number is xx. | Initial |
| 82537398 | xx | xx | Current Legal Status | Bankruptcy-Current | Bankruptcy |  |  | Current legal status is bankruptcy-current. | Initial |
| 82537398 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 82537398 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable. | Initial |
| 82537398 | xx | xx | Currently in Foreclosure? | No | Yes |  |  | currently in foreclosure is no. | Initial |
| 82537398 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount is unavailable. | Initial |
| 82537398 | xx | xx | Did a Modification Change Note Terms? | No | Yes |  |  |  | Initial |
| 82537398 | xx | xx | Doc Date of Last Modification | Unavailable | xx |  |  | Doc date of last modification is unavailable. | Initial |
| 82537398 | xx | xx | Forbearance Plan Start Date | Unavailable | 4/1/2020 |  |  | Forbearance plan start date is unavailable. | Initial |
| 82537398 | xx | xx | Interest Only Period? | Yes | No |  |  | Interest only period is yes. | Initial |
| 82537398 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod step indicator is unavailable. | Initial |
| 82537398 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is xx. | Initial |
| 82537398 | xx | xx | Original Stated P&I | xx | xx | xx | 34.01808% | Original stated P&I is xx. | Initial |
| 82537398 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M00000000000000000000000. | Initial |
| 82537398 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 82537398 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 82537398 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 82537398 | xx | xx | Stated Maturity Date | xx | xx | -2679 (Days) |  |  | Initial |
| 82537398 | xx | xx | Stated Remaining Term | 153 | 243 | -90 | -37.03703% | Stated remaining term is 153. | Initial |
| 35931456 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 35931456 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 35931456 | xx | xx | Doc Date of Last Modification | xx | xx | -792 (Days) |  | Doc Date of Last Modification xx | Initial |
| 35931456 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod Step Indicator is Yes | Initial |
| 35931456 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7425.000% | -7425.00000% | Original Standard LTV (OLTV) is xx | Initial |
| 35931456 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000 | Initial |
| 35931456 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 35931456 | xx | xx | S&C Filing Date | xx | xx | 1 (Days) |  | S&C Filing date is xx | Initial |
| 35931456 | xx | xx | Stated Remaining Term | 304 | 272 | 32 | 11.76470% | Stated Remaining Term is 304 | Initial |
| 35931456 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 82.49561% | Total balance of junior lien (s) is Not Applicable | Initial |
| 13324486 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 13324486 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 13324486 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7920.000% | -7920.00000% | Original standard LTV (OLTV) is xx | Initial |
| 13324486 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000 | Initial |
| 13324486 | xx | xx | Stated Remaining Term | 421 | 423 | -2 | -0.47281% | Stated remaining term is 421 | Initial |
| 13324486 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 190.75953% | Total balance of junior lien(s) is xx | Initial |
| 91983021 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 91983021 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is Not Applicable | Initial |
| 91983021 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred Balance Amount is Not Applicable | Initial |
| 91983021 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7840.789% | -7840.78900% | Original Standard LTV(OLTV) is xx | Initial |
| 91983021 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  |  | Initial |
| 91983021 | xx | xx | Stated Remaining Term | 319 | 321 | -2 | -0.62305% | Stated Remaining term is 39 | Initial |
| 91983021 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 26.71135% | Total balance of junior Lien(s) is xx. | Initial |
| 77961525 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 77961525 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current Value Date is not applicable | Initial |
| 77961525 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original Standard LTV(OLTV) is xx | Initial |
| 77961525 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment History String is M000000000000000000 | Initial |
| 77961525 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 77961525 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 77961525 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 77961525 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total Balance of Junior Lien(s) is Not Applicable | Initial |
| 12272474 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 12272474 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 12272474 | xx | xx | Deferred Balance Amount | XX | XX | XX | 2767.21764% | Deferred balance amount is $100,590.48 | Initial |
| 12272474 | xx | xx | Doc Date of Last Modification | xx | xx | -95 (Days) |  | Doc date of last modification xx | Initial |
| 12272474 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is yes | Initial |
| 12272474 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is xx | Initial |
| 12272474 | xx | xx | Payment History String | MM0000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M000000000000000000 | Initial |
| 12272474 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 12272474 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 12272474 | xx | xx | Stated Remaining Term | 351 | 325 | 26 | 8.00000% | Stated remaining term is 351 | Initial |
| 12272474 | xx | xx | Total Balance of Junior Lien(s) | Not Applicable | xx |  |  | Total balance of junior lie(s) not applicable | Initial |
| 12272474 | xx | xx | Total Forgiven Principal Amount | XX | XX | XX | -55.79170% | Total forgiven principal amount $43,590.48 | Initial |
| 60336295 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 60336295 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 60336295 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | N/A. | Initial |
| 60336295 | xx | xx | First Payment Date | xx | xx | -4 (Days) |  | xx | Initial |
| 60336295 | xx | xx | First Rate Change Date | Unavailable | 5/5/2007 |  |  | Unavailable | Initial |
| 60336295 | xx | xx | HELOC Draw Period (Yrs) | 10 | 120 | -110 | -91.66666% | HELOC draw period 10 years. | Initial |
| 60336295 | xx | xx | HELOC Draw Period End Date | 5/1/2017 | 5/5/2017 | -4 (Days) |  | 5/1/2017 | Initial |
| 60336295 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | N/A. | Initial |
| 60336295 | xx | xx | Next Rate Change Date | Not Applicable | 10/10/2024 |  |  | N/A. | Initial |
| 60336295 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -2322.381% | -2322.38100% | Collateral Value used for Underwriting: xx. Amount of Secondary Lien(s): xx. Loan Amount: xx. CLTV xx. | Initial |
| 60336295 | xx | xx | Original Stated P&I | Unavailable | $0.00 |  |  | Unavailable | Initial |
| 60336295 | xx | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | NA | Initial |
| 60336295 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M00000000000000000000000. | Initial |
| 60336295 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Cash Out | Initial |
| 60336295 | xx | xx | Stated Maturity Date | xx | xx | -4 (Days) |  | xx | Initial |
| 60336295 | xx | xx | Stated Remaining Term | 149 | 922 | -773 | -83.83947% | Stated remaining term is 149. | Initial |
| 60336295 | xx | xx | Subsequent Rate Adjustment Frequency | Not Applicable | 1 Month |  |  | N/A. | Initial |
| 79669121 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 79669121 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 79669121 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7613.077% | -7613.07700% | Original standard LTV xx | Initial |
| 79669121 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M000000000000000000000 | Initial |
| 79669121 | xx | xx | Stated Remaining Term | 445 | 447 | -2 | -0.44742% | Stated remaining term 445 | Initial |
| 79669121 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type PUD | Initial |
| 79669121 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 6.70547% | Total balance of junior lien is not applicable | Initial |
| 80536612 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 80536612 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 80536612 | xx | xx | First Rate Change Date | Unavailable | 9/20/2006 |  |  | NA. | Initial |
| 80536612 | xx | xx | HELOC Draw Period (Yrs) | Unavailable | 120 |  |  | NA. | Initial |
| 80536612 | xx | xx | HELOC Draw Period End Date | Unavailable | 9/20/2016 |  |  | NA. | Initial |
| 80536612 | xx | xx | Mod Step Indicator | Not Applicable | No |  |  | Mod step indicator is not applicable | Initial |
| 80536612 | xx | xx | Next Rate Change Date | Not Applicable | 10/25/2024 |  |  | Next rate change date is not applicable | Initial |
| 80536612 | xx | xx | Original Note Doc Date | Unavailable | xx |  |  | Original note doc date is unavailable | Initial |
| 80536612 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -356.364% | -356.36400% | Original standard LTV (OLTV) is xx | Initial |
| 80536612 | xx | xx | Original Stated P&I | Unavailable | $0.00 |  |  | Original stated P&I is not applicable | Initial |
| 80536612 | xx | xx | Pay Change Frequency | Not Applicable | 1 Month |  |  | pay change frequency is not applicable | Initial |
| 80536612 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M0000000000000000000000000 | Initial |
| 80536612 | xx | xx | Subsequent Rate Adjustment Frequency | Not Applicable | 1 Month |  |  | Subsequent rate adjustment Frequency is not applicable | Initial |
| 65277217 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not applicable | Initial |
| 65277217 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is Not Applicable | Initial |
| 65277217 | xx | xx | Mod Step Indicator | Yes | No |  |  | Mod step indicator is Yes | Initial |
| 65277217 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV is Unavailable | Initial |
| 65277217 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is m00000000000000000000000 | Initial |
| 65277217 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 65277217 | xx | xx | Stated Remaining Term | 93 | 75 | 18 | 24.00000% | Sated remaining term is 93 | Initial |
| 85709204 | xx | xx | Bankruptcy (Post-Loan Origination)? | Yes | No |  |  | Bankruptcy (Post-Loan Origination) is yes | Initial |
| 85709204 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 85709204 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not applicable | Initial |
| 85709204 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  | Deferred balance amount is not applicable | Initial |
| 85709204 | xx | xx | MI Company | Unavailable | xx |  |  | MI Company is not applicable | Initial |
| 85709204 | xx | xx | MI Coverage Amount | Unavailable | XX |  |  | MI coverage amount is not applicable | Initial |
| 85709204 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  | Original standard LTV (OLTV) is unavailable | Initial |
| 85709204 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string is M000000000000000000000000 | Initial |
| 85709204 | xx | xx | Stated Remaining Term | 45 | 47 | -2 | -4.25531% | Stated remaining term is 45. | Initial |
| 55716605 | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower #2 first name is xx | Initial |
| 55716605 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 last name is xx | Initial |
| 55716605 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx | Initial |
| 55716605 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 55716605 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value date is not application | Initial |
| 55716605 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -5098.529% | -5098.52900% | Original standard LTV (OLTV) is xx | Initial |
| 55716605 | xx | xx | Payment History String | M00010000000000000000010 | 000010000000000000000010 |  |  | Payment history string M000100000000000000000010 | Initial |
| 55716605 | xx | xx | S&C Filing Date | xx | xx | -702 (Days) |  | S&C filing date is xx | Initial |
| 55716605 | xx | xx | Stated Remaining Term | 414 | 408 | 6 | 1.47058% | Stated remaining term is 414 | Initial |
| 83544557 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 83544557 | xx | xx | Current Value Date | Not Applicable | XX |  |  | Current value Date is not applicable | Initial |
| 83544557 | xx | xx | Currently in Foreclosure? | Yes | No |  |  | Currently in foreclosure yes | Initial |
| 83544557 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -8910.000% | -8910.00000% | Original standard LTV xx | Initial |
| 83544557 | xx | xx | Payment History String | M11111111111111111111111 | 000000000000000000000000 |  |  | Payment history string M1111111111111111111111 | Initial |
| 83544557 | xx | xx | Stated Remaining Term | 19 | 21 | -2 | -9.52380% | Stated remaining term 73 | Initial |
| 99807243 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 99807243 | xx | xx | Current Value Date | Not Applicable | XX |  |  |  | Initial |
| 99807243 | xx | xx | Forbearance Plan Start Date | 8/4/2023 | 8/1/2020 | 1098 (Days) |  |  | Initial |
| 99807243 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -7652.745% | -7652.74500% | Unavailable. | Initial |
| 99807243 | xx | xx | Payment History String | M00000000000000044444321 | 000000000000000006554321 |  |  |  | Initial |
| 99807243 | xx | xx | Stated Remaining Term | 464 | 466 | -2 | -0.42918% |  | Initial |
| 64094256 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 64094256 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 64094256 | xx | xx | Current Value Date | Not Applicable | XX |  |  | N/A. | Initial |
| 64094256 | xx | xx | Original Standard LTV (OLTV) | Unavailable | xx |  |  |  | Initial |
| 64094256 | xx | xx | Payment History String | M00000000000000000000000 | 000000000000000000000000 |  |  | Payment history string M00000000000000000000000. | Initial |
| 64094256 | xx | xx | Purpose of Refinance Per HUD-1 | Unavailable | Cash Out - Other |  |  |  | Initial |
| 64094256 | xx | xx | Purpose of Transaction per HUD-1 | Unavailable | Cash Out |  |  |  | Initial |
| 64094256 | xx | xx | Stated Remaining Term | 446 | 448 | -2 | -0.44642% | Stated remaining tern is 446. | Initial |
| 64094256 | xx | xx | Total Balance of Junior Lien(s) | xx | xx | xx | 5.94289% |  | Initial |
| 96679915 | xx | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | As per note. | Initial |
| 96679915 | xx | xx | Borrower DTI Ratio Percent | 49.980% | 48.924% | 1.056% | 1.05600% | As per calculation. | Initial |
| 96679915 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 96679915 | xx | xx | Housing Ratio per U/W (Initial Rate) | 42.324% | 41.269% | 1.055% | 1.05500% | As per calculation. | Initial |
| 96679915 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 32020006 | xx | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | Age of loan is 3. | Initial |
| 32020006 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 89.000% |  |  | As per calculation. | Initial |
| 32020006 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 32020006 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N.A. | Initial |
| 32020006 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | 20.120% |  |  | As per calculation. | Initial |
| 32020006 | xx | xx | Loan Documentation Type | Alternative | Full Documentation |  |  |  | Initial |
| 32020006 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal report. | Initial |
| 74630224 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of Loan is 2 | Initial |
| 74630224 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 74630224 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 74630224 | xx | xx | Lien Priority Type | First | Second |  |  |  | Initial |
| 74630224 | xx | xx | Original CLTV Ratio Percent | xx | xx | -38.335% | -38.33500% | Original OLTV Ratio Percent is xx% | Initial |
| 74630224 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 74630224 | xx | xx | Property Postal Code | xx | xx |  |  | Property Postal Code is xx | Initial |
| 74630224 | xx | xx | Stated Remaining Term | 358 | 349 | 9 | 2.57879% | Stated Remaining Term is 358 | Initial |
| 65826055 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  |  | Initial |
| 65826055 | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 65826055 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 65826055 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 65826055 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI yes | Initial |
| 65826055 | xx | xx | Payment History String | 000000000MMMMM0000000000 | XXXXXXXXXXXXXXXX9CCCCCCC |  |  |  | Initial |
| 53421014 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 53421014 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 53421014 | xx | xx | Payment History String | 000000000000000000000000 | CCCCCCCCCCCCCCCCCCCCCCCC |  |  | Payment History String is 00000000000000000000000 | Initial |
| 86980186 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 86980186 | xx | xx | Doc Date of Last Modification | xx | xx | -49 (Days) |  |  | Initial |
| 86980186 | xx | xx | Payment History String | 000000000000000000000000 | 00000000000000000000000 |  |  |  | Initial |
| 12769266 | xx | xx | Borrower DTI Ratio Percent | 19.515% | 19.446% | 0.069% | 0.06900% | DTI ratio reflects 19.515%. | Initial |
| 12769266 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.004% | -0.00400% | CLTV reflects xx%. | Initial |
| 12769266 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.004% | -0.00400% | LTV reflects xx. | Initial |
| 8417001 | xx | xx | Borrower DTI Ratio Percent | 9.393% | 10.959% | -1.566% | -1.56600% | loan type reflects full documentation. | Initial |
| 8417001 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 8417001 | xx | xx | Payment History String | 0 | 0X30 |  |  |  | Initial |
| 61258371 | xx | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | Age of loan is 7 | Initial |
| 61258371 | xx | xx | Borrower DTI Ratio Percent | 49.761% | 49.760% | 0.001% | 0.00100% | Borrower DTI Ratio percent is 49.761% | Initial |
| 61258371 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 61258371 | xx | xx | Interest Paid Through Date | 5/1/2024 | 12/1/2024 | -214 (Days) |  | Interest paid through date is 5/1/2024 | Initial |
| 66526375 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1. | Initial |
| 66526375 | xx | xx | Borrower DTI Ratio Percent | 34.441% | 34.160% | 0.281% | 0.28100% | Borrower DTI Ratio Percent is 34.441%. | Initial |
| 66526375 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 66526375 | xx | xx | Interest Paid Through Date | 11/1/2024 | 12/1/2024 | -30 (Days) |  | Interest Paid Through Date is 11/1/2024. | Initial |
| 66526375 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 63475383 | xx | xx | Borrower DTI Ratio Percent | 36.399% | 45.702% | -9.303% | -9.30300% | DTI is 36% Tape shows 45.70%. | Initial |
| 94232383 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does lender G/L require MI is yes. | Initial |
| 94232383 | xx | xx | Housing Ratio per U/W (Initial Rate) | 33.031% | 33.030% | 0.001% | 0.00100% | Housing ratio per U/W is 33.031%. | Initial |
| 94232383 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 25.36162% |  | Initial |
| 86986377 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 43.512% |  |  | Borrower DTI ratio percent is 43.525%. | Initial |
| 86986377 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 86986377 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | 21.310% |  |  | Housing ratio per U/W is 21.313%. | Initial |
| 86986377 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | No Cash-Out |  |  | Purpose of refinance per HUD-1 is limited cash out . | Initial |
| 86986377 | xx | xx | Stated Maturity Date | xx | xx | -3652 (Days) |  | Stated maturity date is xx. | Initial |
| 5528347 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Yes. | Initial |
| 5528347 | xx | xx | Housing Ratio per U/W (Initial Rate) | 35.101% | 35.100% | 0.001% | 0.00100% | As per calculation. | Initial |
| 41762566 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  |  | Initial |
| 41762566 | xx | xx | Housing Ratio per U/W (Initial Rate) | 12.941% | 12.940% | 0.001% | 0.00100% |  | Initial |
| 29055654 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 0.000% |  |  | Borrower DTI ratio percent is unavailable | Initial |
| 29055654 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable | Initial |
| 29055654 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | 0.000% |  |  | Housing ratio per U/W (Initial Rate) is unavailable | Initial |
| 29055654 | xx | xx | Original Note Doc Date | xx | xx | -11 (Days) |  | Original note Doc date is xx | Initial |
| 90161986 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 90161986 | xx | xx | Housing Ratio per U/W (Initial Rate) | 15.581% | 15.580% | 0.001% | 0.00100% | Housing Ratio Per U/W (Initial Ratio) 15.581% | Initial |
| 90161986 | xx | xx | Original Note Doc Date | xx | xx | -17 (Days) |  | Original Note Doc Date is xx | Initial |
| 56044176 | xx | xx | Borrower DTI Ratio Percent | 43.877% | 43.880% | -0.003% | -0.00300% | Borrower DTI Ratio Percent is 43.877%. | Initial |
| 56044176 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 56044176 | xx | xx | Housing Ratio per U/W (Initial Rate) | 14.291% | 14.290% | 0.001% | 0.00100% | Housing Ratio Per U/W(Initial Rate) is 14.291%. | Initial |
| 78342367 | xx | xx | Borrower DTI Ratio Percent | 35.009% | 35.010% | -0.001% | -0.00100% | Borrower DTI Ratio Percent is 35.009% | Initial |
| 78342367 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does Lender G/L Require MI? is Not Applicable | Initial |
| 78342367 | xx | xx | Housing Ratio per U/W (Initial Rate) | 27.941% | 27.940% | 0.001% | 0.00100% | Housing Ratio per U/W (Initial Rate) is 27.941% | Initial |
| 64244109 | xx | xx | Borrower DTI Ratio Percent | 20.958% | 20.814% | 0.144% | 0.14400% | Actual data shows BWR ratio at 20.958%. | Initial |
| 64244109 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 64244109 | xx | xx | Housing Ratio per U/W (Initial Rate) | 17.339% | 17.200% | 0.139% | 0.13900% | Actual data shows housing ratio per U/W at 17.339%. | Initial |
| 17238387 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 0.000% |  |  | Borrower DTI ratio percent is unavailable. | Initial |
| 17238387 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 17238387 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | 0.000% |  |  | Housing ratio per U/W is unavailable. | Initial |
| 17238387 | xx | xx | Original Note Doc Date | xx | xx | -10 (Days) |  | Original note doc date is xx. | Initial |
| 35116085 | xx | xx | Borrower DTI Ratio Percent | 16.173% | 15.475% | 0.698% | 0.69800% | AS per 1008 borrower DTI is 16.173% | Initial |
| 35116085 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 35116085 | xx | xx | Housing Ratio per U/W (Initial Rate) | 13.312% | 12.610% | 0.702% | 0.70200% | As per 1008 housing ratio is 13.312%. | Initial |
| 35116085 | xx | xx | Original Note Doc Date | xx | xx | -14 (Days) |  | As per note original date is xx. | Initial |
| 14838865 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | NA. | Initial |
| 14838865 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.152% | 30.150% | 0.002% | 0.00200% | Housing ratio is 30.152%. | Initial |
| 91978989 | xx | xx | Borrower DTI Ratio Percent | 34.985% | 35.016% | -0.031% | -0.03100% | BWR DTI ratio at 34.985%. | Initial |
| 91978989 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 91978989 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.682% | 30.710% | -0.028% | -0.02800% | Housing ratio per U/W at 30.682%. | Initial |
| 68740802 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value N/A | Initial |
| 68740802 | xx | xx | Original Appraised Value | xx | xx | xx | 0.62405% | Original Appraised Value xx. | Initial |
| 68740802 | xx | xx | Original Note Doc Date | xx | xx | 3 (Days) |  | Original Note Doc Date xx. | Initial |
| 41317831 | xx | xx | Borrower DTI Ratio Percent | 47.019% | 47.820% | -0.801% | -0.80100% | Borrower DTI Ratio Percent is 47.019% | Initial |
| 41317831 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 41317831 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| 41317831 | xx | xx | Housing Ratio per U/W (Initial Rate) | 36.953% | 35.320% | 1.633% | 1.63300% | Housing Ratio Per U/W is 36.953% | Initial |
| 12439527 | xx | xx | Borrower DTI Ratio Percent | 40.017% | 38.480% | 1.537% | 1.53700% | Borrower DTI Ratio Percent is 40.017% | Initial |
| 12439527 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 12439527 | xx | xx | Housing Ratio per U/W (Initial Rate) | 22.445% | 20.910% | 1.535% | 1.53500% | Housing Ratio per U/W is 22.445% | Initial |
| 12439527 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.500% | 0.50000% | Original Standard LTV is xx | Initial |
| 18176606 | xx | xx | Borrower DTI Ratio Percent | 33.305% | 33.310% | -0.005% | -0.00500% | Borrower DTI ratio percent is 33.305%. | Initial |
| 18176606 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 18176606 | xx | xx | Housing Ratio per U/W (Initial Rate) | 12.714% | 12.710% | 0.004% | 0.00400% | Housing ratio per U/W is 12.714%. | Initial |
| 49950977 | xx | xx | Age of Loan | 40 | 39 | 1 | 2.56410% | Age of loan is 40 | Initial |
| 49950977 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 49950977 | xx | xx | First Payment Date | xx | xx | -20 (Days) |  | As per note. | Initial |
| 49950977 | xx | xx | Original Appraised Value | xx | xx | xx | 18.67638% | Original appraised value is xx | Initial |
| 49950977 | xx | xx | Stated Remaining Term | 320 | 319 | 1 | 0.31347% | Stated remaining term is 32 | Initial |
| 92831228 | xx | xx | Age of Loan | 13 | 14 | -1 | -7.14285% | Age of Loan is 13 | Initial |
| 92831228 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 92831228 | xx | xx | Original Appraised Value | xx | xx | xx | 1.01194% | Original Appraised Value xx | Initial |
| 92831228 | xx | xx | Stated Remaining Term | 347 | 346 | 1 | 0.28901% | Stated Remaining Term is 347 | Initial |
| 66474359 | xx | xx | Borrower DTI Ratio Percent | 39.624% | 39.770% | -0.146% | -0.14600% | Borrower DTI Ratio Percent is 39.624% | Initial |
| 66474359 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 66474359 | xx | xx | Original Appraised Value | xx | xx | xx | 18.22488% | Original appraised value is xx | Initial |
| 66474359 | xx | xx | Original CLTV Ratio Percent | xx | xx | -7.445% | -7.44500% | CLTV ratio percent is xx%. | Initial |
| 66474359 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 64.815% | 64.81500% | LTV ratio percent is xx. | Initial |
| 66474359 | xx | xx | Stated Remaining Term | 175 | 174 | 1 | 0.57471% | Stated remaining term is 175 | Initial |
| 8743933 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 48.756% |  |  |  | Initial |
| 8743933 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 8743933 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 8743933 | xx | xx | Housing Ratio per U/W (Initial Rate) | Unavailable | 44.649% |  |  |  | Initial |
| 8743933 | xx | xx | Interest Paid Through Date | 10/1/2022 | 3/1/2024 | -517 (Days) |  | Interest paid through date is 10/1/2022. | Initial |
| 8743933 | xx | xx | Is in Forbearance Indicator | Unavailable | No |  |  | Unavailable. | Initial |
| 8743933 | xx | xx | Late Charge Amount | Not Applicable | $47.84 |  |  | NA | Initial |
| 8743933 | xx | xx | MIM Multiple Indebtedness Mortgage Flag | Not Applicable | Yes |  |  | NA | Initial |
| 8743933 | xx | xx | Original Appraisal Date | xx | xx | -15 (Days) |  | Appraisal date is xx. | Initial |
| 8743933 | xx | xx | Payment History String | MMMMMMMMMMMMMMMMMMMMMMMM | 007000000000 |  |  |  | Initial |
| 99378471 | xx | xx | Age of Loan | 56 | 59 | -3 | -5.08474% | Age of loan is 56. | Initial |
| 99378471 | xx | xx | Borrower DTI Ratio Percent | 34.379% | 34.380% | -0.001% | -0.00100% | Borrower DTI ratio percent is 34.379%. | Initial |
| 99378471 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 99378471 | xx | xx | Housing Ratio per U/W (Initial Rate) | 14.747% | 34.380% | -19.633% | -19.63300% | Housing ratio per U/W is 14.747%. | Initial |
| 99378471 | xx | xx | Original Appraisal Date | xx | xx | -1030 (Days) |  | Original appraisal date is xx. | Initial |
| 99378471 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.312% | 1.31200% | Original standard LTV is xx. | Initial |
| 99378471 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Change in Rate/Term |  |  | Purpose of refinance per final CD is cash out. | Initial |
| 99378471 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per final CD is cash out. | Initial |
| 1787194 | xx | xx | Age of Loan | 1 | 3 | -2 | -66.66666% | Age of loan is 1. | Initial |
| 1787194 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L required MI cert. | Initial |
| 1787194 | xx | xx | Original Appraised Value | xx | xx | xx | 6.08513% | Original appraised value is xx. | Initial |
| 1787194 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.748% | 1.74800% | Original CLTV ratio percent is xx%. | Initial |
| 1787194 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.748% | 1.74800% | Original standard LTV is xx. | Initial |
| 20834606 | xx | xx | Age of Loan | 4 | 6 | -2 | -33.33333% | Age of loan is 4. | Initial |
| 20834606 | xx | xx | Borrower DTI Ratio Percent | 45.200% | 41.060% | 4.140% | 4.14000% | As per calculation. | Initial |
| 20834606 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 20834606 | xx | xx | Original Appraised Value | xx | xx | xx | -1.13419% | As per appraisal. | Initial |
| 20834606 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 23.32477% | As per note. | Initial |
| 20834606 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.477% | 1.47700% | As per calculation. | Initial |
| 20834606 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.477% | 1.47700% | As per calculation. | Initial |
| 20834606 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is Limited Cash Out. | Initial |
| 6405013 | xx | xx | Borrower DTI Ratio Percent | 47.949% | 47.950% | -0.001% | -0.00100% | Borrower DTI ratio percent is 47.949%. | Initial |
| 6405013 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.862% | 30.860% | 0.002% | 0.00200% | Housing ratio per U/W is 30.862%. | Initial |
| 6405013 | xx | xx | Original Stated P&I | xx | xx | xx | -23.98169% | Original stated P&I is xx. | Initial |
| 6405013 | xx | xx | Stated Maturity Date | xx | xx | -31 (Days) |  | Stated maturity date is xx. | Initial |
| 96640536 | xx | xx | Age of Loan | 0 | 1 | -1 | -100.00000% | Age of Loan is 0 | Initial |
| 96640536 | xx | xx | Borrower DTI Ratio Percent | 49.909% | 49.910% | -0.001% | -0.00100% | Borrower DTI Ratio Percent is 49.909% | Initial |
| 96640536 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 96640536 | xx | xx | Original Appraised Value | xx | xx | xx | 1.67027% | As per appraisal report. | Initial |
| 96640536 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.003% | -0.00300% | As per calculation. | Initial |
| 96640536 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.003% | -0.00300% | As per calculation. | Initial |
| 83452832 | xx | xx | Last Payment Received Date | 1/2/2025 | 11/21/2024 | 42 (Days) |  | Last payment received date is 1/2/2025. | Initial |
| 83452832 | xx | xx | Payment History String | 0000000000000 | 00000000000 |  |  | NA. | Initial |
| 65698327 | xx | xx | Age of Loan | 15 | 17 | -2 | -11.76470% | Age of loan is 15. | Initial |
| 65698327 | xx | xx | Borrower DTI Ratio Percent | 30.697% | 27.017% | 3.680% | 3.68000% | Borrower DTI ratio percent is 30.697%. | Initial |
| 65698327 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 65698327 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | MI cert is not required. | Initial |
| 65698327 | xx | xx | Original Appraised Value | xx | xx | xx | 12.74605% | Original appraised value is xx. | Initial |
| 65698327 | xx | xx | Subject Property Type | 4 Family | Low Rise Condo (1-4 Stories) |  |  | Property is 4 Family. | Initial |
| 89772846 | xx | xx | Borrower DTI Ratio Percent | 49.997% | 57.500% | -7.503% | -7.50300% |  | Initial |
| 89772846 | xx | xx | Loan Original Maturity Term Months | 360 | 8 | 352 | 4400.00000% |  | Initial |
| 401565 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | Original standard LTV (OLTV) is xx. | Initial |
| 51330448 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 5063961 | xx | xx | Age of Loan | 14 | 17 | -3 | -17.64705% |  | Initial |
| 5063961 | xx | xx | Borrower DTI Ratio Percent | 36.008% | 53.000% | -16.992% | -16.99200% |  | Initial |
| 5063961 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 5063961 | xx | xx | MI Coverage Amount | XX | XX | XX | -13.00000% |  | Initial |
| 5063961 | xx | xx | Original Appraisal Date | xx | xx | -29 (Days) |  |  | Initial |
| 15491810 | xx | xx | Age of Loan | 6 | 8 | -2 | -25.00000% | Age of loan is 6. | Initial |
| 15491810 | xx | xx | Borrower DTI Ratio Percent | 49.328% | 73.975% | -24.647% | -24.64700% | Borrower DTI ratio percent is 49.328%. | Initial |
| 15491810 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 15491810 | xx | xx | Original Appraisal Date | xx | xx | -28 (Days) |  | Original appraisal date is xx. | Initial |
| 15491810 | xx | xx | Subject Property Detached/Attached | Detached | Attached |  |  |  | Initial |
| 18898780 | xx | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | Age of loan is 6. | Initial |
| 18898780 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 18898780 | xx | xx | Interest Paid Through Date | 1/1/2025 | 12/31/2024 | 1 (Days) |  | As per note interest paid through date is 1/1/2025. | Initial |
| 18898780 | xx | xx | Property Address Street | xx | xx |  |  | As per note property address street is xx. | Initial |
| 69616575 | xx | xx | Age of Loan | 45 | 46 | -1 | -2.17391% | Age of Loan is 45 | Initial |
| 69616575 | xx | xx | Current Value | Not Applicable | xx |  |  | CXurrent Value is Not Applicable | Initial |
| 69616575 | xx | xx | Interest Paid Through Date | 4/1/2021 | 1/2/2025 | -1372 (Days) |  | Interest Paid Through Date is 4/1/2021 | Initial |
| 69616575 | xx | xx | Original Appraisal Date | xx | xx | -1217 (Days) |  | Original Appraisal Date is xx | Initial |
| 69616575 | xx | xx | Original Appraised Value | xx | xx | xx | -21.17920% | Original Appraisal Value is xx | Initial |
| 69616575 | xx | xx | Original Stated P&I | xx | xx | xx | 11.66627% | Original Stated P&I is xx. | Initial |
| 69616575 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx | Initial |
| 69616575 | xx | xx | Stated Remaining Term | 477 | 478 | -1 | -0.20920% | Stated Remaining Term is 477 | Initial |
| 24271587 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | As per loan document. | Initial |
| 24271587 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | As per loan document. | Initial |
| 24271587 | xx | xx | Borrower Last Name | xx | xx |  |  | As per loan document. | Initial |
| 24271587 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 24271587 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 44303846 | xx | xx | Borrower DTI Ratio Percent | 21.593% | 21.590% | 0.003% | 0.00300% | Borrower DTI ratio percent is 18.053% | Initial |
| 44303846 | xx | xx | Housing Ratio per U/W (Initial Rate) | 6.774% | 6.770% | 0.004% | 0.00400% | Housing ratio per U/W (Initial Rate) is 6.774% | Initial |
| 44303846 | xx | xx | Interest Paid Through Date | 6/1/2024 | 11/1/2024 | -153 (Days) |  | Interest paid through date is 6/1/2024 | Initial |
| 44303846 | xx | xx | Original Appraisal Date | xx | xx | -1 (Days) |  | Original appraisal date is xx | Initial |
| 44303846 | xx | xx | Payment History String | 0100100 | XXXXXXXXXXXXXXXXXCCC3CC3 |  |  |  | Initial |
| 94901205 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 94901205 | xx | xx | Property Address Street | xx | xx |  |  | Actual property address is xx. | Initial |
| 60385804 | xx | xx | Borrower DTI Ratio Percent | 42.806% | 43.130% | -0.324% | -0.32400% | DTI ratio percent is 42.806%. | Initial |
| 60385804 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 60385804 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Note date is xx. | Initial |
| 60385804 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | -0.44247% | Sales price xx. | Initial |
| 13949657 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | NA | Initial |
| 13949657 | xx | xx | Borrower DTI Ratio Percent | 46.764% | 45.290% | 1.474% | 1.47400% | DTI reflects 46.764%. | Initial |
| 13949657 | xx | xx | Occupancy at Origination (Property Usage Type) | Primary | Secondary |  |  | Occupancy reflects primary. | Initial |
| 13949657 | xx | xx | Original CLTV Ratio Percent | xx | xx | 0.003% | 0.00300% | CLTV reflects xx%. | Initial |
| 13949657 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.003% | 0.00300% | LTV reflects xx. | Initial |
| 46292364 | xx | xx | Borrower DTI Ratio Percent | 18.615% | 18.316% | 0.299% | 0.29900% | Borrower DTI ratio percent is 18.615%. | Initial |
| 46292364 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 46292364 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 46292364 | xx | xx | Housing Ratio per U/W (Initial Rate) | 15.001% | 14.702% | 0.299% | 0.29900% | Housing ratio per U/W is 15.001%. | Initial |
| 46292364 | xx | xx | Interest Paid Through Date | 10/1/2024 | 1/1/2025 | -92 (Days) |  | Interest paid through date is 10/1/2024. | Initial |
| 32850478 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.461% | 30.462% | -0.001% | -0.00100% | DTI is 30.461%. | Initial |
| 32850478 | xx | xx | Interest Paid Through Date | 10/1/2023 | 1/1/2025 | -458 (Days) |  | NA | Initial |
| 71084221 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 71084221 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 71084221 | xx | xx | Interest Paid Through Date | 6/1/2024 | 1/1/2025 | -214 (Days) |  | Interest Paid Through Date 6/1/2024. | Initial |
| 49950710 | xx | xx | Borrower First Name | xx | xx |  |  | BWR first name is xx. | Initial |
| 49950710 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR last name is xx. | Initial |
| 49950710 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note date is xx. | Initial |
| 41293709 | xx | xx | Original Note Doc Date | xx | xx | 26 (Days) |  | Original note doc date is xx. | Initial |
| 41045368 | xx | xx | Age of Loan | 4 | 6 | -2 | -33.33333% |  | Initial |
| 41045368 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 41045368 | xx | xx | Lien Priority Type | Second | First |  |  |  | Initial |
| 41045368 | xx | xx | Original CLTV Ratio Percent | xx | xx | 0.125% | 0.12500% |  | Initial |
| 41045368 | xx | xx | Original Note Doc Date | xx | xx | 18 (Days) |  |  | Initial |
| 41045368 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 40.301% | 40.30100% |  | Initial |
| 92536048 | xx | xx | Age of Loan | 2 | 5 | -3 | -60.00000% | NA. | Initial |
| 92536048 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 92536048 | xx | xx | Lien Priority Type | Second | First |  |  | Property lien type is second. | Initial |
| 92536048 | xx | xx | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% | NA. | Initial |
| 92536048 | xx | xx | Original CLTV Ratio Percent | xx | xx | 3.944% | 3.94400% | NA. | Initial |
| 92536048 | xx | xx | Original Note Doc Date | xx | xx | 40 (Days) |  | Note doc date is xx. | Initial |
| 92536048 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 47.145% | 47.14500% | NA. | Initial |
| 92536048 | xx | xx | Stated Maturity Date | xx | xx | -5479 (Days) |  | NA. | Initial |
| 92536048 | xx | xx | Stated Remaining Term | 178 | 358 | -180 | -50.27932% | NA. | Initial |
| 36768939 | xx | xx | Age of Loan | 4 | 6 | -2 | -33.33333% | Age of loan is 4. | Initial |
| 36768939 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 36768939 | xx | xx | Loan Amortization Type | ARM | Fixed |  |  | Loan Amortization type is ARM. | Initial |
| 36768939 | xx | xx | Original Note Doc Date | xx | xx | 14 (Days) |  | Original note date is xx. | Initial |
| 16858168 | xx | xx | Age of Loan | 1 | 5 | -4 | -80.00000% | Age of loan is 1. | Initial |
| 16858168 | xx | xx | Borrower DTI Ratio Percent | 43.374% | 43.270% | 0.104% | 0.10400% | BWR DTI ratio at 43.374%. | Initial |
| 16858168 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 16858168 | xx | xx | Original Note Doc Date | xx | xx | 30 (Days) |  | As per tape date of origination is xx, as per note date of origination is xx. | Initial |
| 49053963 | xx | xx | Age of Loan | 20 | 21 | -1 | -4.76190% | Age of loan 20 | Initial |
| 49053963 | xx | xx | Borrower DTI Ratio Percent | 42.197% | 47.786% | -5.589% | -5.58900% | BWR DTI Ratio Percent 42.197% | Initial |
| 49053963 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 49053963 | xx | xx | Original Appraised Value | xx | xx | xx | 1.25000% | Original Appraisal Value xx | Initial |
| 49053963 | xx | xx | Original Note Doc Date | xx | xx | 34 (Days) |  | original note doc date xx | Initial |
| 21195935 | xx | xx | Age of Loan | 2 | 4 | -2 | -50.00000% | Age of the loan is 2. | Initial |
| 21195935 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 21195935 | xx | xx | Lien Priority Type | Second | First |  |  | Lien position is second. | Initial |
| 21195935 | xx | xx | Loan Original Maturity Term Months | 180 | 360 | -180 | -50.00000% | Stated maturity term is 180. | Initial |
| 21195935 | xx | xx | Original CLTV Ratio Percent | xx | xx | 2.689% | 2.68900% | CLTV is xx%. | Initial |
| 21195935 | xx | xx | Original Note Doc Date | xx | xx | 28 (Days) |  | Original note date is xx. | Initial |
| 21195935 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 56.482% | 56.48200% | LTV is xx | Initial |
| 21195935 | xx | xx | Stated Maturity Date | xx | xx | -5479 (Days) |  | Stated maturity date is xx. | Initial |
| 21195935 | xx | xx | Stated Remaining Term | 178 | 358 | -180 | -50.27932% | stated remaining term is 178. | Initial |
| 77462988 | xx | xx | Age of Loan | 21 | 24 | -3 | -12.50000% | Age of loan is 21 | Initial |
| 77462988 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 77462988 | xx | xx | Original Note Doc Date | xx | xx | 36 (Days) |  | Original note doc date is xx. | Initial |
| 3477617 | xx | xx | Age of Loan | 40 | 43 | -3 | -6.97674% | Age of Loan is 40 | Initial |
| 3477617 | xx | xx | Borrower DTI Ratio Percent | 45.977% | 46.313% | -0.336% | -0.33600% | Borrower DTI Ratio Percent is 45.977% | Initial |
| 3477617 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 3477617 | xx | xx | Original Note Doc Date | xx | xx | 20 (Days) |  | Original note doc date is xx. | Initial |
| 83736094 | xx | xx | Borrower DTI Ratio Percent | 42.945% | 43.000% | -0.055% | -0.05500% | Borrower DTI ratio percent is 42.945%. | Initial |
| 83736094 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 83736094 | xx | xx | Housing Ratio per U/W (Initial Rate) | 40.999% | 40.000% | 0.999% | 0.99900% | Housing ratio per U/W is 40.999%. | Initial |
| 83736094 | xx | xx | Original Appraised Value | xx | xx | xx | 4.01002% | Original appraised value is xx. | Initial |
| 83736094 | xx | xx | Original CLTV Ratio Percent | xx | xx | -2.169% | -2.16900% | Original CLTV ratio percent is xx%. | Initial |
| 83736094 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -2.169% | -2.16900% | Original standard LTV is xx. | Initial |
| 83736094 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx. | Initial |
| 5455677 | xx | xx | Borrower DTI Ratio Percent | 37.778% | 37.776% | 0.002% | 0.00200% |  | Initial |
| 5455677 | xx | xx | Housing Ratio per U/W (Initial Rate) | 32.238% | 32.237% | 0.001% | 0.00100% |  | Initial |
| 5455677 | xx | xx | MI Coverage Amount | XX | XX | XX | -5.00000% | As per MI certificate. | Initial |
| 5455677 | xx | xx | Payment History String | 00000000000000 | XXXXXXXXX000000000000000 |  |  | NA. | Initial |
| 41251746 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 0.00004% | Sales price is xx | Initial |
| 75986992 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 75986992 | xx | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage type reflects FHA. | Initial |
| 75986992 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.364% | -0.36400% | CLTV reflects xx%. | Initial |
| 75986992 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.574% | 1.57400% | LTV reflects xx. | Initial |
| 75986992 | xx | xx | Payment History String | 000000000000000000 | XXXX00000000000000000000 |  |  | 0. | Initial |
| 75986992 | xx | xx | Property Address Street | xx | xx |  |  | Property street address reflects xx. | Initial |
| 50594102 | xx | xx | Borrower DTI Ratio Percent | 38.195% | 40.984% | -2.789% | -2.78900% | Borrower DTI ratio percent is 38.195%. | Initial |
| 50594102 | xx | xx | Housing Ratio per U/W (Initial Rate) | 23.400% | 22.049% | 1.351% | 1.35100% | Housing ratio per U/W 23.400%. | Initial |
| 50594102 | xx | xx | Payment History String | 0000 | XXXXXXXXXXXXXXXXXXX00000 |  |  | Payment history string is 0000. | Initial |
| 31022063 | xx | xx | Borrower DTI Ratio Percent | 29.136% | 29.210% | -0.074% | -0.07400% | BWR DTI Ratio percent 29.136% | Initial |
| 31022063 | xx | xx | Housing Ratio per U/W (Initial Rate) | 23.252% | 23.320% | -0.068% | -0.06800% | Housing Ratio per U/W 23.252% | Initial |
| 31022063 | xx | xx | Payment History String | 00000000000 | XXXXXXXXXXXXXX0000000000 |  |  | Payment History String 00000000000 | Initial |
| 46717272 | xx | xx | Borrower DTI Ratio Percent | 40.133% | 43.430% | -3.297% | -3.29700% | BWR DTI Ratio Percent 40.133% | Initial |
| 46717272 | xx | xx | Doc Date of Last Modification | xx | xx | -2 (Days) |  | Doc Date of last modification xx | Initial |
| 46717272 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | NA | Initial |
| 46717272 | xx | xx | Housing Ratio per U/W (Initial Rate) | 27.133% | 29.340% | -2.207% | -2.20700% | Housing Ratio per U/W 27.133% | Initial |
| 46717272 | xx | xx | Original CLTV Ratio Percent | xx | xx | -11.308% | -11.30800% | Original CLTV Ratio percent xx% | Initial |
| 46717272 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.308% | -0.30800% | Original Standard LTV xx | Initial |
| 46717272 | xx | xx | Original Stated P&I | xx | xx | xx | 7.65348% | original Stated P&I xx | Initial |
| 46717272 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 98358476 | xx | xx | Borrower DTI Ratio Percent | 28.215% | 28.587% | -0.372% | -0.37200% | DTI is 28.21%. | Initial |
| 98358476 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 98358476 | xx | xx | Housing Ratio per U/W (Initial Rate) | 10.010% | 10.381% | -0.371% | -0.37100% | DTI is 10.01%. | Initial |
| 98358476 | xx | xx | Mortgage Type | FHA | Conventional |  |  | Mortgage type is FHA. | Initial |
| 98358476 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% | CLTV is xx%. | Initial |
| 98358476 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | LTV is xx. | Initial |
| 98358476 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 77754664 | xx | xx | Original Appraisal Date | xx | xx | -15 (Days) |  | Original appraisal date is xx. | Initial |
| 32329675 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 10246667 | xx | xx | Borrower DTI Ratio Percent | 45.492% | 45.539% | -0.047% | -0.04700% | Borrower DTI Ratio percent is 45.511% | Initial |
| 10246667 | xx | xx | Stated Maturity Date | xx | xx | 4536 (Days) |  | State maturity date is xx | Initial |
| 74015349 | xx | xx | Borrower DTI Ratio Percent | 48.729% | 48.730% | -0.001% | -0.00100% | Unavailable. | Initial |
| 74015349 | xx | xx | Interest Calculation Type | 360/360 | 30/360 |  |  | As per note. | Initial |
| 74015349 | xx | xx | Original Appraised Value | xx | xx | xx | -6.97674% | As per appraisal. | Initial |
| 74015349 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per note. | Initial |
| 74015349 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.004% | 0.00400% | As per calculation. | Initial |
| 74015349 | xx | xx | Payment History String | 0000000000 | 000000000BBBBBBBBBBBBBBB |  |  | payment history string 0000000000. | Initial |
| 46837956 | xx | xx | Borrower DTI Ratio Percent | 44.165% | 44.940% | -0.775% | -0.77500% | BWR DTI ratio at 44.165%. | Initial |
| 46837956 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not applicable | Initial |
| 46837956 | xx | xx | Doc Date of Last Modification | xx | xx | 5 (Days) |  |  | Initial |
| 46837956 | xx | xx | Original CLTV Ratio Percent | xx | xx | 0.004% | 0.00400% | Original CLTV ratio percent is xx%. | Initial |
| 46837956 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.004% | 0.00400% | Original Standard LTV(OLTV) is xx | Initial |
| 46837956 | xx | xx | Purpose of Refinance Per HUD-1 | Not Applicable | Change in Rate/Term |  |  |  | Initial |
| 40451132 | xx | xx | Borrower DTI Ratio Percent | 46.004% | 46.000% | 0.004% | 0.00400% | Borrower DTI ratio percent is 46.004%. | Initial |
| 40451132 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower first name is xx. | Initial |
| 40451132 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 40451132 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 40451132 | xx | xx | Housing Ratio per U/W (Initial Rate) | 13.269% | 13.260% | 0.009% | 0.00900% | Housing ratio per U/W is 13.269%. | Initial |
| 40451132 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original not doc date is xx. | Initial |
| 15945009 | xx | xx | Borrower DTI Ratio Percent | 22.336% | 22.330% | 0.006% | 0.00600% |  | Initial |
| 15945009 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 15945009 | xx | xx | Housing Ratio per U/W (Initial Rate) | 22.037% | 22.030% | 0.007% | 0.00700% |  | Initial |
| 15945009 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  |  | Initial |
| 15945009 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 68515705 | xx | xx | Borrower DTI Ratio Percent | 33.313% | 35.890% | -2.577% | -2.57700% | NA | Initial |
| 68515705 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 68515705 | xx | xx | Housing Ratio per U/W (Initial Rate) | 13.275% | 13.270% | 0.005% | 0.00500% | NA | Initial |
| 68515705 | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| 68515705 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Property is High Rise Condo. | Initial |
| 54801534 | xx | xx | Borrower DTI Ratio Percent | 20.893% | 20.890% | 0.003% | 0.00300% |  | Initial |
| 54801534 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 54801534 | xx | xx | Housing Ratio per U/W (Initial Rate) | 6.425% | 6.420% | 0.005% | 0.00500% |  | Initial |
| 54801534 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  |  | Initial |
| 46441850 | xx | xx | Borrower DTI Ratio Percent | 31.704% | 31.700% | 0.004% | 0.00400% |  | Initial |
| 46441850 | xx | xx | Housing Ratio per U/W (Initial Rate) | 30.756% | 30.750% | 0.006% | 0.00600% |  | Initial |
| 22097608 | xx | xx | Age of Loan | 0 | 3 | -3 | -100.00000% | Age of loan is 0 | Initial |
| 22097608 | xx | xx | Borrower DTI Ratio Percent | 47.843% | 46.840% | 1.003% | 1.00300% | Borrower DTI ratio percent is 47.843%. | Initial |
| 22097608 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 22097608 | xx | xx | Original Appraised Value | xx | xx | xx | 0.15408% | Original appraised value is xx. | Initial |
| 22097608 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD. | Initial |
| 41439294 | xx | xx | Age of Loan | 5 | 6 | -1 | -16.66666% | NA. | Initial |
| 41439294 | xx | xx | Borrower DTI Ratio Percent | 49.677% | 49.180% | 0.497% | 0.49700% | As per calculation. | Initial |
| 41439294 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 41439294 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | As per CD. | Initial |
| 22022043 | xx | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | Age of Loan is 3 | Initial |
| 22022043 | xx | xx | Borrower DTI Ratio Percent | 46.943% | 46.940% | 0.003% | 0.00300% | Borrower DTI Ratio Percent is 46.943% | Initial |
| 22022043 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 22022043 | xx | xx | Original Appraised Value | xx | xx | xx | 32.35294% | Original appraised value is xx. | Initial |
| 40789713 | xx | xx | Age of Loan | 4 | 7 | -3 | -42.85714% | Age of loan is 4 | Initial |
| 40789713 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 40789713 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? is Not Applicable | Initial |
| 40789713 | xx | xx | Original Appraised Value | xx | xx | xx | -1.68539% | Original Appraisal Value is xx | Initial |
| 40789713 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.561% | 1.56100% | Original OLTV Ratio percent is xx% | Initial |
| 40789713 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.561% | 1.56100% | Original standard LTV is xx. | Initial |
| 40789713 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Change in Rate/Term |  |  | Purpose of refinance per HUD-1 is Limited cash out | Initial |
| 65924178 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | Age of loan 3 | Initial |
| 65924178 | xx | xx | Borrower DTI Ratio Percent | 44.844% | 44.840% | 0.004% | 0.00400% | BWR DTI ratio percent 44.844% | Initial |
| 65924178 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 65924178 | xx | xx | Original Appraised Value | xx | xx | xx | 0.80645% | Original Appraised Value xx | Initial |
| 55239769 | xx | xx | Borrower DTI Ratio Percent | 31.994% | 32.000% | -0.006% | -0.00600% | DTI is 31.994%. | Initial |
| 55239769 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 55239769 | xx | xx | Occupancy at Origination (Property Usage Type) | Secondary | Primary |  |  | NA | Initial |
| 55239769 | xx | xx | Original Appraised Value | xx | xx | xx | 17.64705% | NA | Initial |
| 55239769 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -15.00000% | NA | Initial |
| 55239769 | xx | xx | Original Note Doc Date | xx | xx | 20 (Days) |  | Note date is xx.. | Initial |
| 55239769 | xx | xx | Property Address Street | xx | xx |  |  | NA | Initial |
| 4247583 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name is xx. | Initial |
| 6835645 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 6835645 | xx | xx | Original CLTV Ratio Percent | xx | xx | 4.156% | 4.15600% | Original CLTV Ratio percent xx% | Initial |
| 6835645 | xx | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original Note Doc Date xx | Initial |
| 6835645 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 71.549% | 71.54900% | Original Standard LTv xx | Initial |
| 94913965 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 94913965 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/l Require MI Is not applicable | Initial |
| 94913965 | xx | xx | Original Appraised Value | xx | xx | xx | 15.56722% | Original appraised value xx | Initial |
| 94913965 | xx | xx | Original CLTV Ratio Percent | xx | xx | 0.496% | 0.49600% |  | Initial |
| 94913965 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original DOc Date xx | Initial |
| 94913965 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 35.567% | 35.56700% |  | Initial |
| 23212867 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 23212867 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L Require MI? is not applicable | Initial |
| 23212867 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original not doc date is xx. | Initial |
| 5218650 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -193.16230% | Cash to borrower (HUD-1 Line 303) is xx | Initial |
| 5218650 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.19 | 1 | 0.19 | 19.00000% | Debt service coverage ratio (DSCR) is -0.06 | Initial |
| 5218650 | xx | xx | Entity Holding Title | Unavailable | Individual |  |  | Entity holding title is uavailable | Initial |
| 5218650 | xx | xx | Payment History String | Not Applicable | XXXXXXXXXXXX |  |  |  | Initial |
| 5218650 | xx | xx | Residual Income | xx | xx | xx | 65.91484% | Residual income is uavailable | Initial |
| 5218650 | xx | xx | Stated Maturity Date | xx | xx | 1 (Days) |  | State maturity date is xx | Initial |
| 5218650 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject property type is PUD | Initial |
| 58310618 | xx | xx | Borrower DTI Ratio Percent | 38.935% | 49.061% | -10.126% | -10.12600% | Borrower DTI ratio percent is 38.935% | Initial |
| 58310618 | xx | xx | MI Company | xx | xx |  |  | MI company is xx | Initial |
| 58310618 | xx | xx | MI Coverage Amount | XX | XX | XX | 5.00000% | MI coverage amount is 35.000% | Initial |
| 58310618 | xx | xx | Original Appraised Value | xx | xx | xx | -0.28490% | Original appraised value is xx. | Initial |
| 58310618 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 2.95859% | Original balance (or Line Amount) is xx | Initial |
| 58310618 | xx | xx | Original CLTV Ratio Percent | xx | xx | 6.850% | 6.85000% | Original CLTV ratio percent is xx% | Initial |
| 58310618 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 2.000% | 2.00000% | Original standard LTV (OLTV) is xx | Initial |
| 58310618 | xx | xx | Original Stated P&I | xx | xx | xx | -0.93785% | Original stated P&I is xx | Initial |
| 58310618 | xx | xx | Original Stated Rate | xx | xx | -0.37500% | -0.37500% | Original stated rate is xx | Initial |
| 58310618 | xx | xx | Property Address Street | xx | xx |  |  | Property address street is xx | Initial |
| 58310618 | xx | xx | Property City | xx | xx |  |  | Property city is xx | Initial |
| 58310618 | xx | xx | Property Postal Code | xx | xx |  |  | Property postal code is xx | Initial |
| 58310618 | xx | xx | Property State | XX | XX | XX |  | Property state is Florida | Initial |
| 58310618 | xx | xx | Sales Price (HUD-1 Line 101) | xx | xx | xx | 0.83573% | Sale price (HUD-1 Line 101) us xx | Initial |
| 58310618 | xx | xx | Subject Property Type | Single Family | PUD |  |  | Subject property type is single family | Initial |
| 46323688 | xx | xx | Age of Loan | 37 | 26 | 11 | 42.30769% | Age of loan is 37. | Initial |
| 46323688 | xx | xx | Property Address Street | xx | xx |  |  | As per note property address is xx. | Initial |
| 73270125 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 68624698 | xx | xx | Age of Loan | 40 | 39 | 1 | 2.56410% | Age of loan 40 | Initial |
| 68624698 | xx | xx | Borrower DTI Ratio Percent | 49.436% | 49.421% | 0.015% | 0.01500% | BWR DTI Ratio percent 49.436% | Initial |
| 28352723 | xx | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | Age of loan is 3. | Initial |
| 28352723 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 28352723 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 28352723 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.119% | -0.11900% | CLTV ratio percent ratio is xx%. | Initial |
| 28352723 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.119% | -0.11900% | LTV ratio percent is xx. | Initial |
| 54708257 | xx | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | Age of loan 3. | Initial |
| 54708257 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 0.000% |  |  | NA. | Initial |
| 54708257 | xx | xx | Original Appraised Value | xx | xx | xx |  | Original Appraised value is xx. | Initial |
| 54708257 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.004% | -0.00400% | CLTV is xx%. | Initial |
| 54708257 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.004% | -0.00400% | LTV is xx. | Initial |
| 54708257 | xx | xx | Property Address Street | xx | xx |  |  | Address is xx. | Initial |
| 80566423 | xx | xx | Age of Loan | 10 | 8 | 2 | 25.00000% | Age of loan is 10 | Initial |
| 17175362 | xx | xx | Borrower DTI Ratio Percent | 44.944% | 44.900% | 0.044% | 0.04400% | As per calculation. | Initial |
| 17175362 | xx | xx | Housing Ratio per U/W (Initial Rate) | 44.944% | 44.900% | 0.044% | 0.04400% | As per calculation. | Initial |
| 17175362 | xx | xx | MERS MIN Number | xx | xx |  |  | As per deed. | Initial |
| 17175362 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per note. | Initial |
| 17175362 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 75794967 | xx | xx | Borrower DTI Ratio Percent | 21.089% | 21.100% | -0.011% | -0.01100% | As per calculation BWR DTI ratio at 21.089%.. | Initial |
| 75794967 | xx | xx | Housing Ratio per U/W (Initial Rate) | 8.494% | 8.500% | -0.006% | -0.00600% | As per calculation housing ratio per U/W is 8.494%. | Initial |
| 75794967 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 13604611 | xx | xx | Borrower DTI Ratio Percent | 49.470% | 49.500% | -0.030% | -0.03000% | Borrower DTI Ratio Percent is 49.470% | Initial |
| 13604611 | xx | xx | Housing Ratio per U/W (Initial Rate) | 49.470% | 49.500% | -0.030% | -0.03000% | Housing Ratio per U/W (Initial Rate) is 49.470% | Initial |
| 13604611 | xx | xx | MERS MIN Number | xx | xx |  |  | MERS MIN number is xx. | Initial |
| 13604611 | xx | xx | MI Coverage Amount | XX | XX | XX | -1.00000% | MI Coverage Amount is 30.000% | Initial |
| 13604611 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.075% | -0.07500% | Original CLTV Ratio Percent is xx% | Initial |
| 13604611 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original Note Doc Date is xx | Initial |
| 13604611 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.075% | -0.07500% | Original Standard LTV(CLTV) is xx | Initial |
| 53602025 | xx | xx | MI Coverage Amount | XX | XX | XX | -6.00000% | MI coverage amount is 6.000%. | Initial |
| 53602025 | xx | xx | Original Appraisal Date | xx | xx | -30 (Days) |  | Original appraisal date is xx. | Initial |
| 86261172 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of Loan is 1 | Initial |
| 86261172 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 86261172 | xx | xx | Interest Paid Through Date | 1/1/2025 | 2/1/2025 | -31 (Days) |  | Interest Paid Through Date is 1/1/2025 | Initial |
| 53967757 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | Age of loan 3 | Initial |
| 53967757 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR 1 Middle Name xx | Initial |
| 53967757 | xx | xx | Borrower DTI Ratio Percent | 35.891% | 37.617% | -1.726% | -1.72600% | BWR DTI Ratio Percent 35.891% | Initial |
| 53967757 | xx | xx | Borrower First Name | xx | xx |  |  | BWR First name xx | Initial |
| 53967757 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR Last name xx | Initial |
| 53967757 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 53967757 | xx | xx | Housing Ratio per U/W (Initial Rate) | 35.891% | 37.617% | -1.726% | -1.72600% | Housing Ratio per U/W 35.891% | Initial |
| 32956785 | xx | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | Age of loan is 3. | Initial |
| 32956785 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 32956785 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | Does lender G/L require MI is not applicable. | Initial |
| 32956785 | xx | xx | Interest Paid Through Date | 11/1/2024 | 2/1/2025 | -92 (Days) |  | Interest paid through date is 11/1/2024. | Initial |
| 32956785 | xx | xx | Original CLTV Ratio Percent | xx | xx | 2.150% | 2.15000% | Original CLTV ratio percent is xx%. | Initial |
| 32956785 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 2.150% | 2.15000% | Original standard LTV is xx. | Initial |
| 40690912 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% |  | Initial |
| 40690912 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 40690912 | xx | xx | Interest Paid Through Date | 1/1/2025 | 2/1/2025 | -31 (Days) |  | As per note. | Initial |
| 46470277 | xx | xx | Age of Loan | 8 | 10 | -2 | -20.00000% | Age of loan is 8 | Initial |
| 46470277 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 46470277 | xx | xx | Interest Paid Through Date | 5/1/2024 | 1/1/2025 | -245 (Days) |  | Interest paid trough date is 5/1/2024 | Initial |
| 17313957 | xx | xx | Age of Loan | 4 | 6 | -2 | -33.33333% |  | Initial |
| 17313957 | xx | xx | Borrower First Name | xx | xx |  |  |  | Initial |
| 17313957 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 17313957 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 31987780 | xx | xx | Age of Loan | 10 | 12 | -2 | -16.66666% | Age of Loan is 10 | Initial |
| 31987780 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 Last Name is xx | Initial |
| 31987780 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 31987780 | xx | xx | Interest Paid Through Date | 3/1/2024 | 1/1/2025 | -306 (Days) |  | Interest Paid Through Date is 3/1/2024 | Initial |
| 31987780 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original Note Doc Date is xx | Initial |
| 31987780 | xx | xx | Original Stated P&I | xx | xx | xx | 80.06333% | Original Stated P&I is xx | Initial |
| 31987780 | xx | xx | Subject Property Type | Manufactured Housing | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is Manufactured Housing | Initial |
| 79310651 | xx | xx | Age of Loan | 9 | 11 | -2 | -18.18181% | Age of loan is 9. | Initial |
| 79310651 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 79310651 | xx | xx | Interest Paid Through Date | 4/1/2024 | 1/1/2025 | -275 (Days) |  | Interest paid through date is 4/1/2024. | Initial |
| 77584712 | xx | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of Loan is 8. | Initial |
| 77584712 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 77584712 | xx | xx | Interest Paid Through Date | 6/1/2024 | 2/1/2025 | -245 (Days) |  | Interest Paid Through Date is 6/1/2024. | Initial |
| 42910196 | xx | xx | Borrower #1 Middle Name | Not Applicable | xx |  |  | Borrower #1 middle name is Not Applicable | Initial |
| 42910196 | xx | xx | Borrower DTI Ratio Percent | 36.834% | 36.830% | 0.004% | 0.00400% | Borrower DTI Ratio Percent is 36.834%. | Initial |
| 42910196 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.003% | 0.00300% | Original Standard LTV(OLTV) is xx. | Initial |
| 42910196 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 22815598 | xx | xx | Borrower DTI Ratio Percent | 44.858% | 45.170% | -0.312% | -0.31200% | Borrower DTI Ratio Percent is 44.858% | Initial |
| 22815598 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.002% | 0.00200% | Original Standard LTV(OLTV) is xx. | Initial |
| 70312607 | xx | xx | Borrower First Name | Not Applicable | xx |  |  |  | Initial |
| 70312607 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 70312607 | xx | xx | Debt Service Coverage Ratio (DSCR) | 2.03 | 1 | 1.03 | 103.00000% | Debt Service Coverage Ratio (DSCR) is Unavailable. | Initial |
| 70312607 | xx | xx | Interest Calculation Type | 360/360 | 30/360 |  |  | Interest Calculation Type is 360/360 | Initial |
| 70312607 | xx | xx | Interest Paid Through Date | 5/1/2023 | 1/1/2025 | -611 (Days) |  | Interest Paid Through Date is 5/1/2023 | Initial |
| 70312607 | xx | xx | Is Property in A Flood Zone? | No | Yes |  |  | Is Property in A Flood Zone? is No. | Initial |
| 70312607 | xx | xx | Payment History String | 000011100003444321000 | 210000111000 |  |  | Payment History String is 000011100MMMMMMMMMMMMMMM. | Initial |
| 70312607 | xx | xx | Subject Property Type | High Rise Condo (>=9 Stories) | Low Rise Condo (1-4 Stories) |  |  | Subject Property Type is High Rise Condo (>=9 Stories). | Initial |
| 21540138 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 21540138 | xx | xx | Original Note Doc Date | xx | xx | -6 (Days) |  | Original note doc date is xx. | Initial |
| 39908572 | xx | xx | Borrower DTI Ratio Percent | 34.593% | 69.495% | -34.902% | -34.90200% | As per calculation. | Initial |
| 39908572 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 39908572 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.843% | 56.343% | -29.500% | -29.50000% | As per calculation. | Initial |
| 39908572 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | As per note. | Initial |
| 39908572 | xx | xx | Subject Property Type | Mid Rise Condo (5-8 Stories) | Low Rise Condo (1-4 Stories) |  |  | As per appraisal report. | Initial |
| 51303575 | xx | xx | Borrower DTI Ratio Percent | 45.744% | 42.124% | 3.620% | 3.62000% | Borrower DTI Ratio Percent is 45.744% | Initial |
| 51303575 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 51303575 | xx | xx | Housing Ratio per U/W (Initial Rate) | 44.512% | 40.990% | 3.522% | 3.52200% | Housing Ratio per U/W (Initial Rate) is 44.512% | Initial |
| 51303575 | xx | xx | MI Company | xx | xx |  |  | MI Company is xx | Initial |
| 51303575 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% | Original CLTV Ratio Percent is xx% | Initial |
| 51303575 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | Original Standard LTV (OLTV) is xx | Initial |
| 31425613 | xx | xx | Borrower DTI Ratio Percent | 43.730% | 44.194% | -0.464% | -0.46400% | Borrower DTI Ratio Percent is 81.146% | Initial |
| 31425613 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 31425613 | xx | xx | Housing Ratio per U/W (Initial Rate) | 37.419% | 37.883% | -0.464% | -0.46400% | Housing Ratio Per U/W is 37.417% | Initial |
| 44732671 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 44732671 | xx | xx | Original CLTV Ratio Percent | xx | xx | 3.328% | 3.32800% | Original CLTV Ratio Percent is xx%. | Initial |
| 44732671 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 3.167% | 3.16700% | Original Standard LTV (OLTV) is xx. | Initial |
| 22856104 | xx | xx | Borrower DTI Ratio Percent | 44.954% | 58.402% | -13.448% | -13.44800% | Borrower DTI Ratio Percent is 44.954% | Initial |
| 22856104 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not applicable | Initial |
| 22856104 | xx | xx | Housing Ratio per U/W (Initial Rate) | 27.715% | 34.502% | -6.787% | -6.78700% | Housing ratio per U/W is 27.715% | Initial |
| 22856104 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx | Initial |
| 38848892 | xx | xx | Borrower DTI Ratio Percent | 49.825% | 50.000% | -0.175% | -0.17500% | AS per documents borrower DTI is 49.825%. | Initial |
| 38848892 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 38848892 | xx | xx | Original Appraised Value | xx | xx | xx | 21.18370% | As per appraisal value used xx. | Initial |
| 38848892 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 7.000% | 7.00000% | Original standard LTV-xx | Initial |
| 67869108 | xx | xx | Debt Service Coverage Ratio (DSCR) | 0.88 | 0.8 | 0.08 | 10.00000% | DSCR 0.8 | Initial |
| 67869108 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA | Initial |
| 67869108 | xx | xx | Original Appraised Value | xx | xx | xx | 0.64611% |  | Initial |
| 15285089 | xx | xx | Age of Loan | 5 | 7 | -2 | -28.57142% | Age of loan is 5. | Initial |
| 15285089 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 22761917 | xx | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | Age of loan 9. | Initial |
| 22761917 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 97281081 | xx | xx | Borrower DTI Ratio Percent | 41.824% | 56.728% | -14.904% | -14.90400% | BWR DTI Ratio Percent 41.824% | Initial |
| 97281081 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 97281081 | xx | xx | Housing Ratio per U/W (Initial Rate) | 41.824% | 56.728% | -14.904% | -14.90400% | Housing Ratio per U/W 41.824% | Initial |
| 97281081 | xx | xx | Original Appraisal Date | xx | xx | -4 (Days) |  | Original Appraisal Date xx | Initial |
| 97281081 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street xx | Initial |
| 97281081 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type PUD | Initial |
| 87485802 | xx | xx | Borrower DTI Ratio Percent | 48.623% | 47.860% | 0.763% | 0.76300% | Borrower DTI Ratio Percent is 48.623% | Initial |
| 87485802 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 87485802 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.110% | 25.347% | 0.763% | 0.76300% | Housing Ratio Per U/W(Initial Rate) is 26.110% | Initial |
| 87485802 | xx | xx | Original Appraisal Date | xx | xx | -4 (Days) |  | Original appraisal date is xx. | Initial |
| 87485802 | xx | xx | Total Liquid Assets Verified | xx | xx | xx | -78.84390% | Total Liquid Assests Verified is xx | Initial |
| 90081497 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 90081497 | xx | xx | Original Appraisal Date | xx | xx | -13 (Days) |  | Original Appraised Date is xx. | Initial |
| 90081497 | xx | xx | Subject Property Type | 2 Family | Single Family |  |  | Subject property type is 2 family. | Initial |
| 90081497 | xx | xx | Total Liquid Assets Verified | xx | xx | xx | 0.00062% | Total Liquid Assets Verified is xx. | Initial |
| 51332118 | xx | xx | Borrower #2 First Name | xx | xx |  |  |  | Initial |
| 51332118 | xx | xx | Borrower First Name | Not Applicable | xx |  |  |  | Initial |
| 51332118 | xx | xx | Borrower Last Name | xx | xx |  |  |  | Initial |
| 51332118 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 51332118 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of Refinance is Change in Rate/Term | Initial |
| 51332118 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction is Refinance | Initial |
| 95932408 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 14732409 | xx | xx | Age of Loan | 2 | 4 | -2 | -50.00000% | Age of loan is 2 | Initial |
| 14732409 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 14732409 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original Note doc date is xx | Initial |
| 14732409 | xx | xx | Stated Remaining Term | 358 | 357 | 1 | 0.28011% | Stated remaining term is 358 | Initial |
| 79860356 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 79860356 | xx | xx | Original Appraised Value | xx | xx | xx | 1.69491% | Original Appraisal Value is xx | Initial |
| 79860356 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 3.725% | 3.72500% | Original Standard LTV(OLTV) is xx. | Initial |
| 50465257 | xx | xx | Borrower DTI Ratio Percent | 49.622% | 49.620% | 0.002% | 0.00200% | Borrower DTI is 49.622%. | Initial |
| 50465257 | xx | xx | Original CLTV Ratio Percent | xx | xx | 5.081% | 5.08100% | CLTV-xx%. | Initial |
| 50465257 | xx | xx | Original Note Doc Date | xx | xx | -8 (Days) |  | Original note date is xx. | Initial |
| 50465257 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 58.521% | 58.52100% | LTV xx | Initial |
| 50465257 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  |  | Initial |
| 79356502 | xx | xx | Age of Loan | 44 | 47 | -3 | -6.38297% | Age of loan is 44. | Initial |
| 79356502 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 79356502 | xx | xx | Interest Paid Through Date | 5/1/2021 | 1/1/2025 | -1341 (Days) |  | Interest paid through date is 5/1/2021. | Initial |
| 79356502 | xx | xx | Original Note Doc Date | xx | xx | 42 (Days) |  | Original note doc date is xx. | Initial |
| 10910037 | xx | xx | Borrower DTI Ratio Percent | 39.193% | 41.500% | -2.307% | -2.30700% | DTI ratio percent is 39.193%. | Initial |
| 10910037 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 10910037 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Require MI Yes. | Initial |
| 10910037 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 154.741% | 154.74100% | LTV ratio percent is xx. | Initial |
| 93223845 | xx | xx | Borrower DTI Ratio Percent | 27.425% | 27.430% | -0.005% | -0.00500% | NA. | Initial |
| 93223845 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 93223845 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 93223845 | xx | xx | Occupancy at Origination (Property Usage Type) | Investor | Primary |  |  | As per loan document. | Initial |
| 93223845 | xx | xx | Original Appraisal Date | xx | xx | -1813 (Days) |  | As per loan document. | Initial |
| 93223845 | xx | xx | Original Appraised Value | xx | xx | xx | -37.98882% | As per loan document. | Initial |
| 93223845 | xx | xx | Original Note Doc Date | xx | xx | 14 (Days) |  | As per loan document. | Initial |
| 93223845 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 35.162% | 35.16200% | As per loan document. | Initial |
| 26653643 | xx | xx | Age of Loan | 40 | 41 | -1 | -2.43902% | Age of loan is 40 | Initial |
| 26653643 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 26653643 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx | Initial |
| 19678522 | xx | xx | Age of Loan | 6 | 11 | -5 | -45.45454% | Age of Loan is 6. | Initial |
| 19678522 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 39542091 | xx | xx | Age of Loan | 62 | 64 | -2 | -3.12500% | Age of loan is 62. | Initial |
| 39542091 | xx | xx | Borrower DTI Ratio Percent | 48.795% | 83.647% | -34.852% | -34.85200% | Borrower DTI ratio percent is 48.795%. | Initial |
| 39542091 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 39542091 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx. | Initial |
| 39542091 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | No Cash-Out |  |  | Purpose of refinance per HUD-1 is change in rate/term. | Initial |
| 75938970 | xx | xx | Age of Loan | 17 | 19 | -2 | -10.52631% | Age Of Loan is 17 | Initial |
| 75938970 | xx | xx | Borrower DTI Ratio Percent | 42.491% | 42.490% | 0.001% | 0.00100% | Borrower DTI Ratio Percent is 42.491% | Initial |
| 75938970 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is Not Applicable | Initial |
| 75938970 | xx | xx | Interest Paid Through Date | 9/1/2023 | 2/1/2025 | -519 (Days) |  |  | Initial |
| 75938970 | xx | xx | Original Appraisal Date | xx | xx | -646 (Days) |  | Original Appraised Value is xx | Initial |
| 75938970 | xx | xx | Original Appraised Value | xx | xx | xx | 24.17397% | Original Appraised Value is xx | Initial |
| 75938970 | xx | xx | Original CLTV Ratio Percent | xx | xx | 0.006% | 0.00600% | Original CLTV Ratio Percent is xx% | Initial |
| 75938970 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 0.006% | 0.00600% | Original Standard LTV (OLT) is xx | Initial |
| 75938970 | xx | xx | Payment History String | 00000000000000000 | XXXXXXXXXXXXXXXXXXX70000 |  |  | Payment History string is 0000000000000000000 | Initial |
| 75938970 | xx | xx | Subject Property Type | Mixed Use | Single Family |  |  | Subject property type is Mixed Use. | Initial |
| 118806 | xx | xx | Age of Loan | 3 | 4 | -1 | -25.00000% | NA. | Initial |
| 118806 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower middle name is xx. | Initial |
| 118806 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 118806 | xx | xx | Original Appraisal Date | xx | xx | -118 (Days) |  | Appraisal date is xx. | Initial |
| 118806 | xx | xx | Original Appraised Value | xx | xx | xx | 4.19536% | Appraised value is xx. | Initial |
| 118806 | xx | xx | Payment History String | 000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA. | Initial |
| 24571519 | xx | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | Age of loan is 7. | Initial |
| 24571519 | xx | xx | Current Value | Not Applicable | xx |  |  | Not Applicable | Initial |
| 24571519 | xx | xx | Original Appraisal Date | xx | xx | -292 (Days) |  | xx | Initial |
| 24571519 | xx | xx | Original Appraised Value | xx | xx | xx | -8.41477% | Appraised value at xx. | Initial |
| 24571519 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | CLTV ratio at xx%. | Initial |
| 24571519 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 19.879% | 19.87900% | LTV ratio at xx. | Initial |
| 24571519 | xx | xx | Payment History String | 0000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | 0000000 | Initial |
| 65468823 | xx | xx | Age of Loan | 9 | 10 | -1 | -10.00000% |  | Initial |
| 65468823 | xx | xx | Borrower DTI Ratio Percent | 40.738% | 41.506% | -0.768% | -0.76800% |  | Initial |
| 65468823 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 65468823 | xx | xx | Original Appraisal Date | xx | xx | -358 (Days) |  |  | Initial |
| 65468823 | xx | xx | Original Appraised Value | xx | xx | xx | -6.96034% |  | Initial |
| 65468823 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% |  | Initial |
| 65468823 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 30.613% | 30.61300% |  | Initial |
| 65468823 | xx | xx | Payment History String | 000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 27308031 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value date is not applicable | Initial |
| 27308031 | xx | xx | Interest Paid Through Date | 1/1/2022 | 3/1/2025 | -1155 (Days) |  | Interest paid through date is 1/1/2022 | Initial |
| 27308031 | xx | xx | Original Appraisal Date | xx | xx | -1167 (Days) |  | Original appraisal date is xx. | Initial |
| 27308031 | xx | xx | Original Appraised Value | xx | xx | xx | -21.40869% | Original appraised value is xx | Initial |
| 27308031 | xx | xx | Payment History String | 000000000000000000000000 | 000001000100000000000000 |  |  | Payment history string is 0000000000000000000000000 | Initial |
| 1058313 | xx | xx | Age of Loan | 40 | 41 | -1 | -2.43902% | Age of Loan is 40. | Initial |
| 1058313 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 1058313 | xx | xx | Original Appraisal Date | xx | xx | -63 (Days) |  | Original Appraisal Date is xx. | Initial |
| 62453417 | xx | xx | Age of Loan | 10 | 11 | -1 | -9.09090% | Age of loan is 10. | Initial |
| 62453417 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 62453417 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  | Original appraisal date is not applicable. | Initial |
| 62453417 | xx | xx | Original CLTV Ratio Percent | xx | xx | 2.817% | 2.81700% | Original CLTV ratio percent is unavailable. | Initial |
| 62453417 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 35.770% | 35.77000% | Original standard LTV is unavailable. | Initial |
| 62453417 | xx | xx | Payment History String | 0000000001 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment history string is 0000000001. | Initial |
| 98136908 | xx | xx | Age of Loan | 9 | 11 | -2 | -18.18181% | Age of loan is 9. | Initial |
| 98136908 | xx | xx | Borrower DTI Ratio Percent | 29.915% | 29.913% | 0.002% | 0.00200% | As per loan document. | Initial |
| 98136908 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 98136908 | xx | xx | Original Appraisal Date | xx | xx | -337 (Days) |  | NA. | Initial |
| 98136908 | xx | xx | Original Appraised Value | xx | xx | xx | -2.84608% |  | Initial |
| 98136908 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 48.823% | 48.82300% | As per loan document. | Initial |
| 98136908 | xx | xx | Payment History String | 0000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA. | Initial |
| 28738424 | xx | xx | Age of Loan | 13 | 14 | -1 | -7.14285% | Age of loan is 13 | Initial |
| 28738424 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 28738424 | xx | xx | Interest Paid Through Date | 1/1/2024 | 2/1/2025 | -397 (Days) |  | Interest paid through date is 1/1/2024 | Initial |
| 28738424 | xx | xx | Original Appraisal Date | xx | xx | -512 (Days) |  | Original appraisal date is xx. | Initial |
| 28738424 | xx | xx | Original Appraised Value | xx | xx | xx | -8.57923% | Original appraised value is xx | Initial |
| 28738424 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.051% | 1.05100% | Original CLTV ratio percent is xx% | Initial |
| 28738424 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.051% | 1.05100% | Original standard LTV (OLTV) is xx | Initial |
| 28738424 | xx | xx | Payment History String | 0000000000000 | XXXXXXXXXXXXXXXXXXXXXXX7 |  |  | Payment history string is 0000000000 | Initial |
| 28738424 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance per HUD-1 is change in rate/term | Initial |
| 28738424 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 | Initial |
| 69222209 | xx | xx | Age of Loan | 8 | 9 | -1 | -11.11111% | Age of loan is 8 | Initial |
| 69222209 | xx | xx | Borrower DTI Ratio Percent | 34.858% | 34.859% | -0.001% | -0.00100% | Borrower DTI ratio percent is 34.858% | Initial |
| 69222209 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower last name xx | Initial |
| 69222209 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 69222209 | xx | xx | Original Appraisal Date | xx | xx | -372 (Days) |  | Original appraisal date xx | Initial |
| 69222209 | xx | xx | Original Appraised Value | xx | xx | xx | -24.34421% | Original appraised value is xx | Initial |
| 69222209 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV ratio percent is xx% | Initial |
| 69222209 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original standard LTV (OLTV) is xx | Initial |
| 69222209 | xx | xx | Payment History String | 000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment history string is 0000000000000 | Initial |
| 69222209 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Payment of refinance per HUD-1 is limited cash out (GSE definition) | Initial |
| 69222209 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction per HUD-1 is refinance | Initial |
| 34246642 | xx | xx | Age of Loan | 37 | 40 | -3 | -7.50000% |  | Initial |
| 34246642 | xx | xx | Current Legal Status | Collections, < 60 Days | Collections |  |  |  | Initial |
| 34246642 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 34246642 | xx | xx | Interest Paid Through Date | 12/1/2025 | 12/1/2024 | 365 (Days) |  | Interest paid through date is 12/01/2025. | Initial |
| 34246642 | xx | xx | Original Appraisal Date | xx | xx | -1222 (Days) |  | original appraisal date is xx. | Initial |
| 34246642 | xx | xx | Original Appraised Value | xx | xx | xx | -8.91359% | appraised value is xx. | Initial |
| 34246642 | xx | xx | Payment History String | MMMMMMMMMMMMMMMMMMMMMMMM | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 66438511 | xx | xx | Age of Loan | 15 | 16 | -1 | -6.25000% |  | Initial |
| 66438511 | xx | xx | Borrower DTI Ratio Percent | 45.355% | 43.240% | 2.115% | 2.11500% | As per calculation. | Initial |
| 66438511 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 66438511 | xx | xx | Interest Paid Through Date | 11/1/2023 | 2/1/2025 | -458 (Days) |  | As per note. | Initial |
| 66438511 | xx | xx | Original Appraisal Date | xx | xx | -535 (Days) |  | As per appraisal. | Initial |
| 66438511 | xx | xx | Original Appraised Value | xx | xx | xx | 8.91268% | As per appraisal. | Initial |
| 66438511 | xx | xx | Payment History String | 000000000000000 | XXXXXXXXXXXXXXXXXXXXX700 |  |  |  | Initial |
| 36850625 | xx | xx | Age of Loan | 29 | 30 | -1 | -3.33333% |  | Initial |
| 36850625 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 36850625 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 36850625 | xx | xx | Original Appraisal Date | xx | xx | -944 (Days) |  |  | Initial |
| 36850625 | xx | xx | Original Appraised Value | xx | xx | xx | -11.13363% |  | Initial |
| 36850625 | xx | xx | Payment History String | 000000000000000000000000 | XXXXXXXX0000000000000000 |  |  |  | Initial |
| 36850625 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 56083607 | xx | xx | Age of Loan | 11 | 12 | -1 | -8.33333% |  | Initial |
| 56083607 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 56083607 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% |  | Initial |
| 56083607 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 45.733% | 45.73300% |  | Initial |
| 56083607 | xx | xx | Payment History String | 00000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 6275428 | xx | xx | Age of Loan | 13 | 14 | -1 | -7.14285% | Age of loan is 13. | Initial |
| 6275428 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 6275428 | xx | xx | Original Appraisal Date | xx | xx | -404 (Days) |  |  | Initial |
| 6275428 | xx | xx | Original Appraised Value | xx | xx | xx | 10.83128% | Original Appraised value us xx. | Initial |
| 6275428 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV ratio at xx%. | Initial |
| 6275428 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 57.659% | 57.65900% | Original LTV ratio at xx. | Initial |
| 6275428 | xx | xx | Payment History String | 0000000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 59681442 | xx | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | NA. | Initial |
| 59681442 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 59681442 | xx | xx | Original Appraisal Date | xx | xx | -281 (Days) |  | Appraisal date is xx. | Initial |
| 59681442 | xx | xx | Original Appraised Value | xx | xx | xx | 0.39406% | Appraisal value is xx. | Initial |
| 59681442 | xx | xx | Original CLTV Ratio Percent | xx | xx | 6.337% | 6.33700% | CLTV is xx%. | Initial |
| 59681442 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 66.686% | 66.68600% | LTV is xx. | Initial |
| 59681442 | xx | xx | Payment History String | 0000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA. | Initial |
| 61617647 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% |  | Initial |
| 61617647 | xx | xx | Borrower DTI Ratio Percent | 36.642% | 36.100% | 0.542% | 0.54200% |  | Initial |
| 61617647 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 61617647 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  |  | Initial |
| 61617647 | xx | xx | Original Appraised Value | xx | xx | xx | -3.62774% |  | Initial |
| 61617647 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% |  | Initial |
| 61617647 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 44.273% | 44.27300% |  | Initial |
| 61617647 | xx | xx | Payment History String | 0011 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 63361137 | xx | xx | Age of Loan | 51 | 52 | -1 | -1.92307% | Age of loan is 51. | Initial |
| 63361137 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 63361137 | xx | xx | Interest Paid Through Date | 11/1/2020 | 2/1/2025 | -1553 (Days) |  | Interest paid through date is 11/1/2020. | Initial |
| 63361137 | xx | xx | Original Appraisal Date | xx | xx | -1607 (Days) |  | Original appraisal date is xx. | Initial |
| 63361137 | xx | xx | Original Appraised Value | xx | xx | xx | -38.76556% | Original appraisal value is xx. | Initial |
| 63361137 | xx | xx | Payment History String | 000044444444444444443221 | 000010011212112234444444 |  |  |  | Initial |
| 41359148 | xx | xx | Age of Loan | 24 | 27 | -3 | -11.11111% | Age of loan is 24. | Initial |
| 41359148 | xx | xx | Current Legal Status | Performing | Collections |  |  | Current legal status is performing. | Initial |
| 41359148 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 41359148 | xx | xx | Interest Paid Through Date | 1/1/2022 | 1/1/2025 | -1096 (Days) |  | Interest paid through date is 1/1/2022. | Initial |
| 41359148 | xx | xx | Original Appraisal Date | xx | xx | -833 (Days) |  | Original appraisal date is xx. | Initial |
| 41359148 | xx | xx | Original Appraised Value | xx | xx | xx | 12.88865% | Original appraised value is xx. | Initial |
| 41359148 | xx | xx | Payment History String | MMMMMMMMMMMMMMMMMMMMMMMM | XXXXXXXXXX77000000000000 |  |  |  | Initial |
| 26050053 | xx | xx | Age of Loan | 7 | 8 | -1 | -12.50000% | Age of loan is 7. | Initial |
| 26050053 | xx | xx | Borrower DTI Ratio Percent | 45.309% | 45.000% | 0.309% | 0.30900% | As per loan document. | Initial |
| 26050053 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 26050053 | xx | xx | Original Appraisal Date | xx | xx | -270 (Days) |  | As per loan document. | Initial |
| 26050053 | xx | xx | Original Appraised Value | xx | xx | xx | -0.65413% | As per loan document. | Initial |
| 26050053 | xx | xx | Payment History String | 0000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA. | Initial |
| 24547625 | xx | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | Age of Loan is 7 | Initial |
| 24547625 | xx | xx | Borrower DTI Ratio Percent | 31.821% | 33.846% | -2.025% | -2.02500% | Borrower DTI Ratio Percent is 61.713% | Initial |
| 24547625 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 24547625 | xx | xx | Interest Paid Through Date | 7/1/2024 | 2/1/2025 | -215 (Days) |  | Interest Paid Through Date is 7/1/2024 | Initial |
| 24547625 | xx | xx | Original Appraisal Date | xx | xx | -282 (Days) |  | Original Appraisal Date is Not Applicable | Initial |
| 24547625 | xx | xx | Original Appraised Value | xx | xx | xx | 6.32124% |  | Initial |
| 24547625 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV Ratio Percent is xx% | Initial |
| 24547625 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 58.779% | 58.77900% | Original Standard LTV is xx | Initial |
| 24547625 | xx | xx | Payment History String | 0000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment history String is 0000000 | Initial |
| 67881748 | xx | xx | Age of Loan | 11 | 12 | -1 | -8.33333% | Age of Loan is 11 | Initial |
| 67881748 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 67881748 | xx | xx | Interest Paid Through Date | 3/1/2024 | 2/1/2025 | -337 (Days) |  | Interest Paid Through Date is 3/1/2024 | Initial |
| 67881748 | xx | xx | Original Appraisal Date | xx | xx | -391 (Days) |  | Original appraisal date is xx. | Initial |
| 67881748 | xx | xx | Original Appraised Value | xx | xx | xx | 22.00133% | Original appraisal value is xx. | Initial |
| 67881748 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV Ratio Percent is xx% | Initial |
| 67881748 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original Standard LTV is xx | Initial |
| 67881748 | xx | xx | Payment History String | 000000000000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment History string is 000000000000 | Initial |
| 67881748 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose Of Refinance Per HUD-1 is Limited Cash Out | Initial |
| 67881748 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction Per HUD-1 Refinance | Initial |
| 68881334 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% | Age of loan is 4 | Initial |
| 68881334 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 68881334 | xx | xx | Interest Paid Through Date | 10/1/2024 | 2/1/2025 | -123 (Days) |  | Interest paid through date is 10/1/2024 | Initial |
| 68881334 | xx | xx | Original Appraisal Date | xx | xx | -196 (Days) |  | Original appraisal date is xx. | Initial |
| 68881334 | xx | xx | Original Appraised Value | xx | xx | xx | -29.12412% | Original appraised value is xx | Initial |
| 68881334 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV ratio percent is xx% | Initial |
| 68881334 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original standard LTV (OLTV) is xx | Initial |
| 68881334 | xx | xx | Payment History String | 0000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment history string is 000 | Initial |
| 86159186 | xx | xx | Age of Loan | 5 | 6 | -1 | -16.66666% |  | Initial |
| 86159186 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 86159186 | xx | xx | Original Appraised Value | xx | xx | xx | -17.72796% |  | Initial |
| 86159186 | xx | xx | Original CLTV Ratio Percent | xx | xx | 4.661% | 4.66100% |  | Initial |
| 86159186 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 65.534% | 65.53400% |  | Initial |
| 86159186 | xx | xx | Payment History String | 000001 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 45429401 | xx | xx | Age of Loan | 46 | 47 | -1 | -2.12765% | Age of loan is 46 | Initial |
| 45429401 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 45429401 | xx | xx | Original Appraisal Date | xx | xx | -19 (Days) |  | Original appraisal date is not applicable | Initial |
| 45429401 | xx | xx | Subject Property Type | Commercial Prop | Single Family |  |  | Subject property mixed use. | Initial |
| 47065464 | xx | xx | Age of Loan | 13 | 14 | -1 | -7.14285% | Age of loan is 13. | Initial |
| 47065464 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 47065464 | xx | xx | Original Appraisal Date | xx | xx | -436 (Days) |  | Original appraisal date is xx. | Initial |
| 47065464 | xx | xx | Original Appraised Value | xx | xx | xx | -0.60441% | Original appraised value is xx. | Initial |
| 47065464 | xx | xx | Payment History String | MMMMMMMMMM210 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA | Initial |
| 47546153 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% |  | Initial |
| 47546153 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 47546153 | xx | xx | Interest Paid Through Date | 12/1/2024 | 2/1/2025 | -62 (Days) |  |  | Initial |
| 47546153 | xx | xx | Original Appraisal Date | Not Applicable | xx |  |  |  | Initial |
| 47546153 | xx | xx | Original Appraised Value | xx | xx | xx | 3.93808% |  | Initial |
| 47546153 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% |  | Initial |
| 47546153 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 38.828% | 38.82800% |  | Initial |
| 47546153 | xx | xx | Payment History String | 00 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Initial |
| 49486697 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | NA | Initial |
| 49486697 | xx | xx | Borrower DTI Ratio Percent | 14.817% | 15.137% | -0.320% | -0.32000% | NA | Initial |
| 49486697 | xx | xx | Borrower Last Name | xx | xx |  |  | NA | Initial |
| 49486697 | xx | xx | Current Value | Not Applicable | xx |  |  | NA | Initial |
| 49486697 | xx | xx | Original Appraisal Date | xx | xx | -176 (Days) |  | NA | Initial |
| 49486697 | xx | xx | Original CLTV Ratio Percent | xx | xx | 4.190% | 4.19000% | NA | Initial |
| 49486697 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 32.929% | 32.92900% | NA | Initial |
| 49486697 | xx | xx | Payment History String | 000 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | NA | Initial |
| 12706300 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.08 | 0.56 | 0.52 | 92.85714% | Debt service coverage ratio is U/A. | Initial |
| 12706300 | xx | xx | Payment History String | 010100000000000000010000 | XXXXXXXXXXX0000010000000 |  |  |  | Initial |
| 61099957 | xx | xx | Payment History String | 11101100 | XXXXXXXXXXXXXXXXXXXXXXXX |  |  | Payment history string is 1101100 | Initial |
| 83304542 | xx | xx | Borrower DTI Ratio Percent | 45.809% | 46.200% | -0.391% | -0.39100% | Borrower DTI Ratio percent is 45.809% | Initial |
| 83304542 | xx | xx | Housing Ratio per U/W (Initial Rate) | 33.249% | 33.200% | 0.049% | 0.04900% | Housing ratio per U/W is 33.249% | Initial |
| 83304542 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.379% | -0.37900% | Original OLTV Ratio percent is xx% | Initial |
| 83304542 | xx | xx | Original Note Doc Date | xx | xx | -7 (Days) |  | Original note doc date is xx | Initial |
| 83304542 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.379% | -0.37900% | Original standard LTV is xx | Initial |
| 83304542 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per HUD-1 is Cash out | Initial |
| 28734684 | xx | xx | Borrower DTI Ratio Percent | 49.808% | 51.300% | -1.492% | -1.49200% | As per calculation. | Initial |
| 28734684 | xx | xx | Current Value | Not Applicable | xx |  |  | N.A. | Initial |
| 28734684 | xx | xx | Original Note Doc Date | xx | xx | 27 (Days) |  | As per note. | Initial |
| 28734684 | xx | xx | Property City | xx | xx |  |  | As per note. | Initial |
| 28734684 | xx | xx | Subject Property Type | PUD | Single Family |  |  | As per appraisal. | Initial |
| 77176974 | xx | xx | Cash To Borrower (HUD-1 Line 303) | $0.00 | xx | xx | -100.00000% | Cash to borrower (HUD-1 Line 303) is $0.00 | Initial |
| 77176974 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 77176974 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV ratio percent is xx% | Initial |
| 77176974 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx | Initial |
| 77176974 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original standard LTV (OLTV) is xx | Initial |
| 28339815 | xx | xx | Cash To Borrower (HUD-1 Line 303) | Unavailable | xx |  |  | Cash to Borrower (HUD-1 Line 303) is Unavailable | Initial |
| 28339815 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 28339815 | xx | xx | Debt Service Coverage Ratio (DSCR) | 0.90 | 0.78 | 0.12 | 15.38461% | Debt Service Coverage Ratio (DSCR) is Unvailable | Initial |
| 28339815 | xx | xx | Original Stated P&I | xx | xx | xx | 18.81487% | Original Stated P&I is xx | Initial |
| 50413515 | xx | xx | Cash To Borrower (HUD-1 Line 303) | Unavailable | xx |  |  | Cash to borrower is unavailable | Initial |
| 50413515 | xx | xx | Current Value | Not Applicable | xx |  |  | N/A. | Initial |
| 50413515 | xx | xx | Debt Service Coverage Ratio (DSCR) | 0.57 | 0.52 | 0.05 | 9.61538% | Debt service coverage ratio is unavailable | Initial |
| 50413515 | xx | xx | Original Note Doc Date | xx | xx | -12 (Days) |  | Original note doc date is xx | Initial |
| 84710043 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 84710043 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -200.00000% |  | Initial |
| 84710043 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 84710043 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.42 | 1.27 | 0.15 | 11.81102% |  | Initial |
| 84710043 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% |  | Initial |
| 84710043 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  |  | Initial |
| 84710043 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% |  | Initial |
| 34426989 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -197.28312% | Cash to borrower is (xx) | Initial |
| 34426989 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 34426989 | xx | xx | Subject Property Type | PUD | Single Family |  |  |  | Initial |
| 75251206 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -199.99998% | Cash To Borrower (HUD-1 Line 303) is (xx). | Initial |
| 75251206 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable. | Initial |
| 51152669 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -200.00000% | Cash to Borrower(HUD-1 Line 303) is (xx) | Initial |
| 51152669 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is not applicable | Initial |
| 51152669 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV Ratio Percent is xx% | Initial |
| 51152669 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original Note Doc Date is xx | Initial |
| 51152669 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original Standard LTV(OLTV) is xx | Initial |
| 85199302 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -200.13321% | Cash to borrower is (xx). | Initial |
| 85199302 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 85199302 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.001% | -0.00100% | Original CLTV ratio percent is xx%. | Initial |
| 85199302 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 85199302 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.001% | -0.00100% | Original standard LTV is xx. | Initial |
| 32950271 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -200.26505% | Cash from borrower is (xx). | Initial |
| 32950271 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 32950271 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 15774298 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 15774298 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 15774298 | xx | xx | Escrow Account Indicator | No | Yes |  |  |  | Initial |
| 32939093 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 32939093 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | NA. | Initial |
| 32939093 | xx | xx | Subject Property Type | 2 Family | Single Family |  |  | As per loan document. | Initial |
| 14131566 | xx | xx | Age of Loan | 12 | 15 | -3 | -20.00000% | Age of loan is 12. | Initial |
| 14131566 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 14131566 | xx | xx | Original Appraisal Date | xx | xx | -36 (Days) |  | Original appraisal date is xx. | Initial |
| 419450 | xx | xx | Age of Loan | 9 | 11 | -2 | -18.18181% |  | Initial |
| 419450 | xx | xx | Borrower DTI Ratio Percent | 49.893% | 57.830% | -7.937% | -7.93700% |  | Initial |
| 419450 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 419450 | xx | xx | Original Appraisal Date | xx | xx | -12 (Days) |  |  | Initial |
| 15838732 | xx | xx | Application Date (Baseline script version) | xx | xx | 43 (Days) |  | Application date is xx. | Initial |
| 15838732 | xx | xx | Borrower DTI Ratio Percent | 54.199% | 36.350% | 17.849% | 17.84900% | Borrower DTI ratio is 54.199%. | Initial |
| 15838732 | xx | xx | Housing Ratio per U/W (Initial Rate) | 23.573% | 23.570% | 0.003% | 0.00300% | Housing ratio per U/W 23,573%. | Initial |
| 15838732 | xx | xx | Original Appraised Value | xx | xx | xx | -1.10375% | Original appraised value is xx. | Initial |
| 15838732 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% | Original CLTV ratio is xx%. | Initial |
| 15838732 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | Original Standard LTV is xx. | Initial |
| 15838732 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject is PUD. | Initial |
| 56701866 | xx | xx | Original Note Doc Date | xx | xx | 15 (Days) |  | Original Note Doc Date is xx. | Initial |
| 56701866 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type is PUD. | Initial |
| 11856320 | xx | xx | Age of Loan | 7 | 9 | -2 | -22.22222% | Age of Loan is 7 | Initial |
| 11856320 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 11856320 | xx | xx | Interest Paid Through Date | 7/1/2024 | 2/1/2025 | -215 (Days) |  | Interest Paid Through Date is 7/1/2024 | Initial |
| 32901938 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% |  | Initial |
| 32901938 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 32901938 | xx | xx | Interest Paid Through Date | 11/1/2024 | 2/1/2025 | -92 (Days) |  |  | Initial |
| 32901938 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  |  | Initial |
| 83370889 | xx | xx | Age of Loan | 11 | 13 | -2 | -15.38461% |  | Initial |
| 83370889 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 75159358 | xx | xx | Age of Loan | 1 | 2 | -1 | -50.00000% | Age of loan is 1. | Initial |
| 75159358 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | As per note. | Initial |
| 75159358 | xx | xx | Current Value | Not Applicable | xx |  |  | NA. | Initial |
| 75159358 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | As per note. | Initial |
| 75159358 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 46.301% | 46.30100% | As per loan document. | Initial |
| 6777251 | xx | xx | Age of Loan | 6 | 8 | -2 | -25.00000% | Age of loan is 6 | Initial |
| 6777251 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable | Initial |
| 6777251 | xx | xx | Interest Paid Through Date | 8/1/2024 | 2/1/2025 | -184 (Days) |  | Interest paid through date is 8/1/2024 | Initial |
| 52508670 | xx | xx | Age of Loan | 2 | 3 | -1 | -33.33333% | Age of loan is 2. | Initial |
| 52508670 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWR#2 last name is xx. | Initial |
| 52508670 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 76776468 | xx | xx | Age of Loan | 46 | 48 | -2 | -4.16666% | Age of loan is 46. | Initial |
| 76776468 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 76776468 | xx | xx | Deferred Balance Amount | Not Applicable | XX |  |  |  | Initial |
| 58178424 | xx | xx | Age of Loan | 0 | 2 | -2 | -100.00000% | Age of loan is 0. | Initial |
| 58178424 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 28679382 | xx | xx | Age of Loan | 1 | 3 | -2 | -66.66666% | Age of loan is 1. | Initial |
| 28679382 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 28679382 | xx | xx | Interest Paid Through Date | 2/1/2024 | 2/1/2025 | -366 (Days) |  | Interest paid through date is 2/1/2024. | Initial |
| 28679382 | xx | xx | Original Appraised Value | xx | xx | xx | 3.66826% | Original appraised value is xx. | Initial |
| 28679382 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | Original note doc date is xx. | Initial |
| 23420305 | xx | xx | Age of Loan | 22 | 24 | -2 | -8.33333% | Age of Loan is 22 | Initial |
| 23420305 | xx | xx | Borrower #2 First Name | xx | xx |  |  | Borrower # 2 First Name is xx | Initial |
| 23420305 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | Borrower #2 Last Name is xx | Initial |
| 23420305 | xx | xx | Borrower #2 Middle Name | xx | xx |  |  | Borrower #2 Middle Name is xx | Initial |
| 23420305 | xx | xx | Borrower DTI Ratio Percent | 42.951% | 42.926% | 0.025% | 0.02500% | Borrower DTI Ratio Percent is 42.951% | Initial |
| 23420305 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 23420305 | xx | xx | Housing Ratio per U/W (Initial Rate) | 37.325% | 37.300% | 0.025% | 0.02500% | Housing Ratio Per U/W (Initial Rate) is 37.325% | Initial |
| 23420305 | xx | xx | Interest Paid Through Date | 4/1/2023 | 2/1/2025 | -672 (Days) |  | Interest Paid Through Date is 4/1/2023 | Initial |
| 23420305 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original Note Doc Date is xx | Initial |
| 30559191 | xx | xx | Borrower DTI Ratio Percent | 48.711% | 50.516% | -1.805% | -1.80500% | Borrower DTI ratio percent is 48.711%. | Initial |
| 30559191 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 30559191 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.350% | 27.326% | -0.976% | -0.97600% | Housing ratio per U/W is 26.350%. | Initial |
| 30559191 | xx | xx | Payment History String | 00 | 0x30 |  |  | NA | Initial |
| 74779343 | xx | xx | Borrower First Name | Not Applicable | xx |  |  | N/A. | Initial |
| 74779343 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR lasrt name is xx. | Initial |
| 74779343 | xx | xx | Debt Service Coverage Ratio (DSCR) | 1.78 | 1.08 | 0.70 | 64.81481% | DSCR coverage.1.78. | Initial |
| 74779343 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | N/A. | Initial |
| 74779343 | xx | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 27873244 | xx | xx | Borrower DTI Ratio Percent | 43.028% | 43.000% | 0.028% | 0.02800% | Borrower DTI ratio percent is 43.028% | Initial |
| 12551708 | xx | xx | First Payment Date | xx | xx | 365 (Days) |  | As per note. | Initial |
| 12551708 | xx | xx | Property Address Street | xx | xx |  |  | As per note. | Initial |
| 19642333 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 33.219% |  |  |  | Initial |
| 19642333 | xx | xx | Original Appraised Value | xx | xx | xx | -12.00000% |  | Initial |
| 19642333 | xx | xx | Property Address Street | xx | xx |  |  |  | Initial |
| 31981335 | xx | xx | Property Address Street | xx | xx |  |  | Property street address reflects xx. | Initial |
| 31981335 | xx | xx | Purpose of Refinance Per HUD-1 | Change in Rate/Term | Cash Out - Other |  |  | Purpose of refinance reflects change in rate/term. | Initial |
| 31981335 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of transaction reflects refinance. | Initial |
| 92790877 | xx | xx | Property Address Street | xx | xx |  |  | Property address is xx. | Initial |
| 7207573 | xx | xx | Payment History String | 00000000000 | 1111111111 |  |  | Payment History String 00000000000 | Initial |
| 7207573 | xx | xx | Property Address Street | xx | xx |  |  | xx | Initial |
| 7207573 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property Type PUD | Initial |
| 86998967 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  | As per note the date of origination is xx, and as per tape data it is xx. | Initial |
| 86998967 | xx | xx | Payment History String | 0000 | 1111 |  |  | Payment history string is 000 | Initial |
| 81666721 | xx | xx | Borrower #2 Last Name | xx | xx |  |  | BWR #2 last name is xx. | Initial |
| 81666721 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.689% | 1.68900% | Original CLTV Ratio Percent is xx% | Initial |
| 81666721 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Original note doc date is xx | Initial |
| 81666721 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.689% | 1.68900% | LTV ratio percent is xx. | Initial |
| 81666721 | xx | xx | Payment History String | 000 | 11 |  |  |  | Initial |
| 41735239 | xx | xx | Original Appraised Value | xx | xx | xx | 1.56250% | Original Appraised Value xx | Initial |
| 41735239 | xx | xx | Payment History String | 110 | 2 x30 |  |  | Payment History String 2110 | Initial |
| 41735239 | xx | xx | Subject Property Type | 2 Family | Single Family |  |  | Subject property type is 2 family. | Initial |
| 2922766 | xx | xx | Age of Loan | 10 | 12 | -2 | -16.66666% | Age of loan 10 | Initial |
| 2922766 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 2922766 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Require MI Not applicable | Initial |
| 49417057 | xx | xx | Age of Loan | 9 | 10 | -1 | -10.00000% | Age of loan is 9. | Initial |
| 49417057 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 49417057 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 49417057 | xx | xx | Housing Ratio per U/W (Initial Rate) | 15.726% | 1572.600% | -1556.874% | -1556.87400% | Housing ratio per U/W is 15.726%. | Initial |
| 67407835 | xx | xx | Age of Loan | 9 | 14 | -5 | -35.71428% | Age of Loan is 9 | Initial |
| 67407835 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 67407835 | xx | xx | Does Lender G/L Require MI? | Yes | No |  |  | Does Lender G/L Require MI? is Yes | Initial |
| 67407835 | xx | xx | Housing Ratio per U/W (Initial Rate) | 24.543% | 2454.300% | -2429.757% | -2429.75700% | Housing Ratio per U/W (Initial Rate) is 24.543% | Initial |
| 67407835 | xx | xx | Stated Maturity Date | xx | xx | 4018 (Days) |  | Stated Maturity Date is Unavailable | Initial |
| 67407835 | xx | xx | Stated Remaining Term | 483 | 351 | 132 | 37.60683% |  | Initial |
| 69758491 | xx | xx | Age of Loan | 45 | 48 | -3 | -6.25000% | Age of loan is 45 | Initial |
| 69758491 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 Middle Name is xx | Initial |
| 69758491 | xx | xx | Borrower DTI Ratio Percent | 29.418% | 30.510% | -1.092% | -1.09200% |  | Initial |
| 69758491 | xx | xx | Borrower Last Name | xx | xx |  |  | Borrower Last Name is xx | Initial |
| 69758491 | xx | xx | Current Value | Not Applicable | xx |  |  | Current Value is Not Applicable | Initial |
| 69758491 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does Lender G/L Required MI? is Not Applicable | Initial |
| 69758491 | xx | xx | Housing Ratio per U/W (Initial Rate) | 0.000% | 2.200% | -2.200% | -2.20000% | Housing Ratio Per U/W(Initial Rate) is 0.000% | Initial |
| 69758491 | xx | xx | Stated Maturity Date | xx | xx | 10288 (Days) |  | Stated Maturity Date is xx | Initial |
| 69758491 | xx | xx | Stated Remaining Term | 473 | 135 | 338 | 250.37037% | Stated Remaining Term is 473 | Initial |
| 1336752 | xx | xx | Age of Loan | 39 | 43 | -4 | -9.30232% | Age of loan is 39. | Initial |
| 1336752 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 1336752 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 1336752 | xx | xx | Original Note Doc Date | xx | xx | -4 (Days) |  | Note date is xx. | Initial |
| 40200834 | xx | xx | Borrower DTI Ratio Percent | 54.126% | 54.049% | 0.077% | 0.07700% | Borrower DTI ratio percent 54.126%. | Initial |
| 40200834 | xx | xx | Original CLTV Ratio Percent | xx | xx | 1.120% | 1.12000% | Original CLTV is xx%. | Initial |
| 40200834 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 1.120% | 1.12000% | Original standard LTV is xx. | Initial |
| 40200834 | xx | xx | Purpose of Refinance Per HUD-1 | Cash Out - Other | Debt consolidation |  |  | Purpose of refinance is cash out other. | Initial |
| 40200834 | xx | xx | Purpose of Transaction per HUD-1 | Cash Out | Refinance |  |  | Purpose of transaction per final CD is cash out. | Initial |
| 26383609 | xx | xx | Borrower DTI Ratio Percent | 42.183% | 30.269% | 11.914% | 11.91400% | Borrower DTI ratio percent is 42.183%. | Initial |
| 4334042 | xx | xx | Age of Loan | 7 | 5 | 2 | 40.00000% | Age of Loan is 7. | Initial |
| 4334042 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.211% | -0.21100% | Original CLTV Ratio Percent is xx%. | Initial |
| 4334042 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.211% | -0.21100% | Original Standard LTV (OLTV) is xx. | Initial |
| 4334042 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 4334042 | xx | xx | Purpose of Refinance Per HUD-1 | Limited Cash Out (GSE definition) | Cash Out - Other |  |  | Purpose of Refinance Per HUD-1 is Limited Cash Out (GSE definition) | Initial |
| 4334042 | xx | xx | Purpose of Transaction per HUD-1 | Refinance | Cash Out |  |  | Purpose of Transaction per HUD-1 is Refinance. | Initial |
| 44595560 | xx | xx | Age of Loan | 13 | 12 | 1 | 8.33333% |  | Initial |
| 44595560 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.556% | -0.55600% |  | Initial |
| 44595560 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.556% | -0.55600% |  | Initial |
| 55366322 | xx | xx | Age of Loan | 14 | 13 | 1 | 7.69230% | Age of loan is 14. | Initial |
| 80794033 | xx | xx | Age of Loan | 5 | 4 | 1 | 25.00000% | Age of loan is 5. | Initial |
| 80794033 | xx | xx | Borrower DTI Ratio Percent | Unavailable | 0.000% |  |  | NA. | Initial |
| 80794033 | xx | xx | Does Lender G/L Require MI? | Not Applicable | Yes |  |  | NA. | Initial |
| 80794033 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.004% | -0.00400% | As per loan document. | Initial |
| 80794033 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.004% | -0.00400% | As per loan document. | Initial |
| 22964226 | xx | xx | Age of Loan | 3 | 2 | 1 | 50.00000% | 3 | Initial |
| 22964226 | xx | xx | Borrower DTI Ratio Percent | 49.986% | -48.959% | 98.945% | 98.94500% | 49.986% | Initial |
| 22964226 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.902% | -0.90200% | xx% | Initial |
| 22964226 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 24.098% | 24.09800% | xx | Initial |
| 59994689 | xx | xx | Age of Loan | 12 | 11 | 1 | 9.09090% | Age of Loan is 12. | Initial |
| 59994689 | xx | xx | Borrower DTI Ratio Percent | 55.645% | 44.933% | 10.712% | 10.71200% |  | Initial |
| 59994689 | xx | xx | Original CLTV Ratio Percent | xx | xx | -0.333% | -0.33300% | Original CLTV Ratio Percent is xx% | Initial |
| 59994689 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -0.333% | -0.33300% | Original Standard LTV (OLTV) is xx. | Initial |
| 90084539 | xx | xx | Borrower DTI Ratio Percent | 47.462% | 51.000% | -3.538% | -3.53800% | Borrower DTI ratio percent is 47.462%. | Initial |
| 90084539 | xx | xx | Loan Original Maturity Term Months | 360 | 30 | 330 | 1100.00000% | Loan original maturity term months is 360. | Initial |
| 90084539 | xx | xx | Original Appraised Value | xx | xx | xx | 22.50145% | Original appraised value is xx. | Initial |
| 90084539 | xx | xx | Original Standard LTV (OLTV) | xx | xx | -18.000% | -18.00000% | Original standard LTV is xx. | Initial |
| 90084539 | xx | xx | Subject Property Type | PUD | Single Family |  |  | Subject Property type is PUD. | Initial |
| 53933606 | xx | xx | Age of Loan | 6 | 7 | -1 | -14.28571% | 6 | Initial |
| 53933606 | xx | xx | Borrower First Name | xx | xx |  |  | xx | Initial |
| 53933606 | xx | xx | Current Value | Not Applicable | xx |  |  | Not Applicable | Initial |
| 80463158 | xx | xx | Borrower #2 Middle Name | Not Applicable | xx |  |  | N/A. | Initial |
| 71900439 | xx | xx | Borrower DTI Ratio Percent | 11.998% | 12.000% | -0.002% | -0.00200% | As per calculation DTI ratio at 11.998%. | Initial |
| 71900439 | xx | xx | Cash To Borrower (HUD-1 Line 303) | xx | xx | xx | -199.99505% | Cash to BWR is (xx). | Initial |
| 71900439 | xx | xx | Original Standard LTV (OLTV) | xx | xx | 45.768% | 45.76800% | As per calculation LTV at xx. | Initial |
| 15893415 | xx | xx | Age of Loan | 53 | 55 | -2 | -3.63636% |  | Initial |
| 15893415 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  |  | Initial |
| 15893415 | xx | xx | Borrower DTI Ratio Percent | 39.526% | 39.518% | 0.008% | 0.00800% |  | Initial |
| 15893415 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 15893415 | xx | xx | Original Note Doc Date | xx | xx | -1 (Days) |  |  | Initial |
| 15893415 | xx | xx | Property City | xx | xx |  |  |  | Initial |
| 88745236 | xx | xx | Age of Loan | 10 | 12 | -2 | -16.66666% | Age of loan is 10. | Initial |
| 88745236 | xx | xx | Borrower DTI Ratio Percent | 45.928% | 60.900% | -14.972% | -14.97200% | Borrower DTI ratio percent is 45.928%. | Initial |
| 88745236 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 88745236 | xx | xx | Subject Property Type | 3 Family | Single Family |  |  | Subject property type is 3 family. | Initial |
| 62577219 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | Age of loan is 3. | Initial |
| 62577219 | xx | xx | Borrower DTI Ratio Percent | 48.175% | 56.000% | -7.825% | -7.82500% | Borrower DTI ratio percent is 48.175%. | Initial |
| 62577219 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is N/A. | Initial |
| 62577219 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does not required MI cert. | Initial |
| 62577219 | xx | xx | Housing Ratio per U/W (Initial Rate) | 35.603% | 31.568% | 4.035% | 4.03500% | Housing ratio per U/W is 35.603%. | Initial |
| 62577219 | xx | xx | Original Note Doc Date | xx | xx | -5 (Days) |  | Original note doc date is xx. | Initial |
| 62577219 | xx | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 19253324 | xx | xx | Age of Loan | 4 | 5 | -1 | -20.00000% |  | Initial |
| 19253324 | xx | xx | Borrower DTI Ratio Percent | 49.492% | 55.108% | -5.616% | -5.61600% |  | Initial |
| 19253324 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 19253324 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 19253324 | xx | xx | Housing Ratio per U/W (Initial Rate) | 31.910% | 31.432% | 0.478% | 0.47800% |  | Initial |
| 19253324 | xx | xx | Property City | xx | xx |  |  |  | Initial |
| 20162960 | xx | xx | Age of Loan | 1 | 3 | -2 | -66.66666% | Age of loan is 1. | Initial |
| 20162960 | xx | xx | Current Value | Not Applicable | xx |  |  | Current value is not applicable. | Initial |
| 20162960 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  | Does lender G/L require MI is not applicable. | Initial |
| 20162960 | xx | xx | Original Note Doc Date | xx | xx | -3 (Days) |  | Original note doc date is xx. | Initial |
| 20162960 | xx | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 56192856 | xx | xx | Age of Loan | 3 | 5 | -2 | -40.00000% | Age of loan is 3. | Initial |
| 56192856 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR #1 middle name is xx. | Initial |
| 56192856 | xx | xx | Borrower DTI Ratio Percent | 46.652% | 59.936% | -13.284% | -13.28400% |  | Initial |
| 56192856 | xx | xx | Current Value | Not Applicable | xx |  |  |  | Initial |
| 56192856 | xx | xx | Does Lender G/L Require MI? | Not Applicable | No |  |  |  | Initial |
| 56192856 | xx | xx | Housing Ratio per U/W (Initial Rate) | 26.046% | 33.886% | -7.840% | -7.84000% |  | Initial |
| 56192856 | xx | xx | Original Note Doc Date | xx | xx | -2 (Days) |  | Original note date is xx. | Initial |
| 56192856 | xx | xx | Property City | xx | xx |  |  | Property city is xx. | Initial |
| 27631483 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | BWR Middle name xx | Initial |
| 27631483 | xx | xx | Borrower First Name | xx | xx |  |  | BWR First name xx | Initial |
| 27631483 | xx | xx | Borrower Last Name | xx | xx |  |  | BWR Last Name xx | Initial |
| 27631483 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 2.44421% | Original Balance xx | Initial |
| 27631483 | xx | xx | Original Stated P&I | xx | xx | xx | 102.36848% | Original Stated P&I xx | Initial |
| 27631483 | xx | xx | Original Stated Rate | xx | xx | 6.62000% | 6.62000% | Original Stated Rate xx | Initial |
| 27631483 | xx | xx | Stated Maturity Date | xx | xx | 9101 (Days) |  | Stated maturity date is xx. | Initial |
| 40716085 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | 84.40998% | Note reflects OPB as xx. | Initial |
| 40716085 | xx | xx | Original Note Doc Date | xx | xx | 731 (Days) |  | Note reflects date as xx. | Initial |
| 41207370 | xx | xx | Borrower #1 Middle Name | xx | xx |  |  | Borrower #1 Middle Name is xx. | Initial |
| 41207370 | xx | xx | Borrower First Name | xx | xx |  |  | Borrower First Name is xx | Initial |
| 41207370 | xx | xx | Original Balance (or Line Amount) | xx | xx | xx | -32.55835% | Original Balance (or Lien Amount is xx | Initial |
| 41207370 | xx | xx | Original Stated P&I | xx | xx | xx | -19.94851% | Original Stated P&I is xx | Initial |
| 41207370 | xx | xx | Original Stated Rate | xx | xx | 2.08300% | 2.08300% | Original Stated Rate is xx | Initial |
| 41207370 | xx | xx | Property Address Street | xx | xx |  |  | Property Address Street is xx. | Initial |
| 41207370 | xx | xx | Stated Maturity Date | xx | xx | 8096 (Days) |  | NA | Initial |
| 97617154 | xx | xx | Payment History String | 0000000 | 0x30 |  |  |  | Initial |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Redacted ID** | **Loan #1** | **Loan #2** | **Loan #3** | **Loan #4** | **Project Name** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Mailing Address** | **Mailing City** | **Mailing State** | **Mailing Zip** | **Original Lender** | **Loan Modified** | **Property Owner Same As Borrower** | **Chain of Assignment Complete** | **Current Lien Position** | **Judgment** | **Delinquent Tax** | **Total Tax** | **Last Payment** | **Foreclosure Case** | **Contested** | **Foreclosure Delay** | **Bankruptcy Chapter** | **Bankruptcy Case #** | **BK Cramdown** | **BK Reaffirmation** | **Original Loan Amount** | **I/O Interest Payment** | **Payment Amount per Note** | **Original Rate** | **Original Term** | **Amortized Term** | **Settlement Date** | **Disbursement Date** | **Cash Out Amount** | **Loan Type** | **Amortization Type** | **I/O Period** | **Loan Purpose** | **Original LTV** | **Original CLTV** | **ComplianceEase Doc Type** | **Mortgage Insurance Cert in File** | **MI Company** | **MI Cert #** | **MI Coverage Percentage** | **Borrower Monthly Income** | **Co-Borrower Monthly Income** | **Contract Sales Price** | **Property Type** | **Original Appraisal Date** | **Appraised Value** | **Occupancy (stated on 1003)** | **Flood Cert in File?** | **Life of Loan Flood Cert?** | **Property in a Flood Zone?** | **Borrower Original FICO** | **Co-Borrower Original FICO** | **DTI** | **Lien Position at Origination** | **Title Evidence** | **Senior Lien Amount** | **Junior Lien Amount** | **Date of Last MOD** | **Principal Balance Stated in MOD** | **Deferred Balance (Mod)** | **MOD Original Rate** | **MOD Original P&I** | **MOD First Payment Date** | **Reason for MOD** | **Title** | **Payment** | **Servicing** | **Mod Comments** | **Missing Documents** | **Tape Discrepancies** | **Guideline Grade (Non-ComplianceEase)** | **Grade 4 Exceptions (Reject / Non-curable)** | **Grade 3 Exceptions (Conditions / Curable)** | **Grade 2 Exceptions (Warnings)** | **Grade 1 Exceptions (Notices / Informational)** | **Overall Risk Indicator** | **HOEPA** | **TILA** | **RESPA** | **State and Local Predatory** | **State Regs** | **Exceptions** | **TRID Tolerance** | **Additional Valuation #1** | **Additional Valuation #2** | **Unrepaired Property Damage** | **Property Damage Amount $** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Bankruptcy (Pre-Origination)** | **Bankruptcy Chapter** | **Bankruptcy Discharge Date** | **Mos Credit Reestablished** | **Mortgage Rental History** | **2nd Home/Subject Investment Property** | **Consumer Debt** | **Charge Offs** | **Collections** | **Liens** | **Judgments** | **Total Payments Revolving Debt** | **Total Payments Installment Debt** | **Borrower Updated FICO** | **Co-Borrower Updated FICO** |
| 82386615 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15360.66 | 07/xx/2023 | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4875.98 | 10.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 703 | Not Applicable | 37.676% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx the subject mortgage was originated on xx and was recorded on xx in the amount of xx. No active judgments or liens were found. The annual combined taxes for 2023 were paid in the amount of xx on xx No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is currently 13 months delinquent with the loan, and the next due date is xx/xx/2023. The last payment was received on xx/xx/2023 in the amount of $6,059.87 which was applied for the due date of xx/xx/2023. The current monthly P&I is $4,875.98 with an interest rate of 10.500%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is foreclosure. According to the payment history as of 008/xx/2024, the borrower is currently 13 months delinquent with the loan, and the next due date is xx/xx/2023. The current UPB reflected as per the payment history is xx As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income. As per servicing comment dated xx/xx/2023, the foreclosure was initiated in 2023 with the loan. No further information is available to understand the current status of foreclosure process. As per PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. As per servicing comments dated xx/xx/2024, the subject property has been occupied by owner. Borrower has 3.92 years on the job as an xx.<br> Foreclosure Comments:As per servicing comment dated xx/xx/2023, the foreclosure was initiated in xx with the loan. As per servicing comment dated xx/xx/2024, the foreclosure has been put on hold due to loss mitigation workout. No further information is available to understand the current status of foreclosure process.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged xx exceeds Fees threshold of $15,166.71 over by +$10,034.29. The below fees were included in the test: Administration Fee paid by Borrower: $1,050.00 Mortgage Broker Fee paid by Borrower: $13,757.00 Points - Loan Discount Fee paid by Borrower: $10,394.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $25,201.00 exceeds Fees threshold of $15,166.71 over by +$10,034.29. The below fees were included in the test: Administration Fee paid by Borrower: $1,050.00 Mortgage Broker Fee paid by Borrower: $13,757.00 Points - Loan Discount Fee paid by Borrower: xx Loan failed GSE (Freddie Mac public guidelines) QM APR test due to APR calculated 11.114% exceeds APR threshold of 8.720% over by +2.394%."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows no origination defect. FC was suspended and loan is in active loss mitigation, the servicer is reviewing."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Appraisal Fee at $800.00. Final CD dated xx/xx/2022 reflects Appraisal Fee at $1,300.00. This is an increase in fee of +$500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1 year SOL is expired."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.114% exceeds APR threshold of 7.970% over by +3.144%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.114% exceeds APR threshold of 7.970% over by +3.144%. Subject loan is escrowed. Loan failed Qualified Mortgage APR threshold test due to APR calculated 11.114% exceeds APR threshold of 8.720% over by +2.394%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19046639 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8165.85 | 07/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3701.01 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 789 | Not Applicable | 32.822% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx the subject mortgage originated on xx and was recorded onxx in the amount ofxx in favor of xx<br> No active judgments or liens were found.<br> The 2023 annual county taxes were paid in the amount of xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is currently 08 months delinquent with the loan, and the next due date is xx/xx/2023. The last payment was received on xx/xx/2024 in the amount of $4,559.54 which was applied for the due date of xx/xx/2023. The current monthly P&I is $3,701.01 with an interest rate of 6.490%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 08 months delinquent with the loan, and the next due date is xx/xx/2023. The last payment was received on xx/xx/2024 in the amount of $4,559.54 which was applied for the due date of xx/xx/2023. The current monthly P&I is $3,701.01 with an interest rate of 6.490%. The current UPB reflected as per the payment history is xx<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> As per the servicing comments dated xx/xx/2024, the borrower has been approved for a trial modification starting from xx to xx/xx/2024 with a trial payment of $3,701.01.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by COVID-19.<br> Borrower has 14.08 years on the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 32.82%. Tape shows income miscalculation. Revised DTI is 54.36%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 14.08 years on the joxx | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged $18,564.00 exceeds Fees threshold of $17,289.69 over by +$1,274.31.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $11,723.00<br> Points - Loan Discount Fee paid by Borrower: $5,786.00<br> Underwriting Fee paid by Borrower: $1,055.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $18,564.00 exceeds Fees threshold of $17,289.69 over by +$1,274.31.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $11,723.00<br> Points - Loan Discount Fee paid by Borrower: $5,786.00<br> Underwriting Fee paid by Borrower: $1,055.00." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70508301 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8580.20 | 09/xx/2024 | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3113.22 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Unavailable | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | Unavailable | 791 | Not Applicable | 46.985% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx<br> No active judgments or liens have been found.<br> Parcel # xx<br> The first installment of county taxes for the year 2024 was paid on xx/xx/2024 in the amount of $4,567.61.<br> The second installment of county taxes for the year 2024 is due on xx/xx/2024 in the amount of $4,567.59.<br> Parcel # xx<br> The first installment of county taxes for the year 2024 was paid on xx/xx/2024 in the amount of $2,137.45.<br> The second installment of county taxes for the year 2024 is due on xx/xx/2024 in the amount of $2,137.42.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,551.36 (PITI), which was applied to the due date of xx/xx/2024. The current P&I is $3,113.22 and the interest rate is 3.125%. The current UPB reflected as per payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is $664,204.75<br> As per the CC dated xx/xx/2023, the FC action was initiated. CC dated xx/xx/2023 shows the FC was placed on hold due to litigation. The litigation action was filed on xx Reason of litigation is not provided in the CC. CC shows sale was scheduled for xx As per the collection comment dated xx the FC was closed as the loan was reinstated. <br> The post-closing details regarding the bankruptcy have not been found.<br> CCs do not show any damage.<br> BWR has 2 months on the new job as a xx<br> Foreclosure Comments:As per the CC dated xx/xx/2023, the FC action was initiated. CC dated xx/xx/2023 shows the FC was placed on hold due to litigation. The litigation action was filed on xx Reason of litigation is not provided in the CC. CC shows sale was scheduled for xx As per the collection comment dated xx the FC was closed as the loan was reinstated. There is no comment indicating resolution of litigation matter found. <br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Hazard Insurance<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 46.98%. Tape shows BWRxx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed compliance ease delivery and timing test for initial loan estimate dated xx and electronically signed on xx of which is greater than 3 days from the initial application date xx Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. Subject loan is purchase case, originated on xx and the 1-year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx delivered on xx which is more than 3 business days from initial application date xx/xx/2021. The subject loan is a purchase case, originated on xx and the 1-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing flood cert (Lvl 2) "The flood certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2) "The hazard insurance policy is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 46.985% as the borrower's income is $9,944.62 and total expenses are in the amount of $4,672.45 and the loan was underwritten xxrecommendation is approve/eligible with a DTI of 46.98%." |  | Moderate | Pass | Pass | No Result | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4485917 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Rhode Island | xx | xx | xx | Massachusetts | xx | xx | No | No | Not Applicable | Other |  | $0.00 | $6402.92 | 08/xx/2024 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1117.15 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 752 | Not Applicable | 31.411% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first installment of city taxes for 2024 was paid in the amount of $1,600.73.<br> The second, third and fourth installments of city taxes for 2024 are due in the amount of $4,802.19.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,895.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is $215,291.21. The current P&I is xx and the interest rate is 4.000%. | Collections Comments:The loan is currently performing and the next due date is xx/xx/2024.<br> The last payment was received on xx/xx/2024 in the amount of $1,895.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is $215,291.21. <br> The loan has not been modified. <br> The foreclosure was initiated in 2023. The foreclosure was closed and the loan has been reinstated on xx/xx/2024. <br> The reason for default is death of the family member.<br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 3.91 years on the job as a mxx<br> The Covid-19 attestation is located at "xx<br> Foreclosure Comments:The foreclosure was initiated in 2023. The foreclosure was closed and the loan has been reinstated on xx <br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 31.41%. Tape shows lender failed to document child support income and VOR. Further details not provided. Lender defect. Subject loan originated on xx anxx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96449461 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3382.08 | 09/xx/2024 | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1284.40 | 9.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 532 | Not Applicable | 35.429% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2023 were paid in the amount of $3,382.08.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 53 months and the next due date is xx/xx/2020. The last payment was received on xx/xx/2024 in the amount of $1,594.42 which was applied to the due date of xx/xx/2020. The unpaid principal balance is xx The current P&I is $1,284.40 and the interest rate is 9.500%.<br>| Collections Comments:The loan is currently in bankruptcy and the next due date is xx/xx/2020.<br> The last payment was received on xx/xx/2024 in the amount of $1,594.42 which was applied to the due date of xx/xx/2020. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was initiated in 2020. Multiple times the sale has been scheduled and postponed. Multiple times, the foreclosure was placed on hold for different reasons and the hold is ended. The sale was scheduled for xx As per the comment dated xx/xx/2024, the property was sold to third party "xx. As per the comment dated xx the sale was rescinded on xx The sale was cancelled due to BK filing. The BK is active.<br> The borrower "xx" filed for bankruptcy under chapter xx<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 10 years on the xx<br> Foreclosure Comments:The foreclosure was initiated in 2020. Multiple times the sale has been scheduled and postponed. Multiple times, the foreclosure was placed on hold for different reasons and the hold is ended. The sale was scheduled for xx As per the comment dated xx the property was sold to third party "xxC" bid in the amount of xx As per the comment dated xx/xx/2024, the sale was rescinded on xx The sale was cancelled due to BK filing. The BK is active.<br>Bankruptcy Comments:The borrower "xx. The POC was filed on xx by the creditorxx, with the claim amount of xx and the arrearage amount is xx The chapter 13 plan was filed on xx The amended chapter 13 was filed on xx and the plan was confirmed on xx The debtor has promised to pay the trustee in the amount of xx for 1 month, xx for 2 months and xx for 57 months. The schedule D of voluntary petition shows that the amount of claim without deducting the value of the collateral is $242,404.00 and the value of the collateral is xx Therefore, the unsecured portion is $0.00. The BK is active.<br>| Not Applicable | Missing or error on the Rate Lock |  | 4: Unacceptable | \* Release of mortgage (Lvl 4) "According to the updated title report dated xx/xx/2024, the subject mortgage was originated by the borrowers "xx for the amount of xx As per the notice of trustee's sale located at xxthe sale was scheduled for xx/xx/2023. Multiple times the sale has been scheduled and postponed. As per the notice of trustee's sale located at "xxhe sale was scheduled for xx and the subject property was sold to "xx," the sale was cancelled. UT shows current ownership is still with the "xx." Informational alert note of UT shows as "subject mortgage foreclosure with subsequent rescission."" | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) "Home equity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The seller tape shows "EPD" and BK chapter 13 plan. According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 53 months and the next due date is xx/xx/2020. The unpaid principal balance is $152,368.36. The borrower "xx filed for bankruptcy under chapter 13 with thexx | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed Qualified Mortgage xx<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.657% exceeds APR threshold of 5.290% over by +4.367%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24881010 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $311.27 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1127.16 | 7.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 796 | 763 | 24.033% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2023 were paid in the amount of $278.24 on xx/xx/2023.<br> The annual county taxes for 2024 were due in the amount of $311.27 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,364.07 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,127.16, and the interest rate is 7.625%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in x amount of $1,364.07 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,127.16, and the interest rate is 7.625%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR1 is retired.<br> BWR2 has 20 years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows ARM disclosures were not sent to the BWR. Loan program disclosure is missing from the loan documents. Further details not provided."<br> \* Loan program disclosure missing or unexecuted (Lvl 3) "Loan program disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91356877 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9075.20 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5709.92 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 667 | Not Applicable | 4.573% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a mechanic's lien against the subject property in favor of xx<br> The annual county taxes for 2023 were paid on xx/xx/2023 in the amount of $7,287.72. <br> The annual county taxes for 2024 are due on xx/xx/2025 in the amount of $9,075.20.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,709.92 which applied for xx/xx/2024. The current P&I is $5,709.92 with an interest rate of 7.875%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $5,709.92 with an interest rate of 7.875%. The UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per seller's tape, the subject property is owner-occupied and in good condition.<br> BWR has been SE for 20.58 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan did not meet the 6-month seasoning requirement for cash-out refinance. The borrower is current with the loan and the next due date of payment is xx/xx/2024. The UPB is xx Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23839692 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6559.42 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1037.18 | 10.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 705 | 710 | 44.395% | Second | Short Form Policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx which originated on xx<br> There is prior UCC lien found against the subject property in favor of xx<br> The 1st and 2nd installments of county taxes for 2024-2025 are due in the total amount of $6,559.42 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,037.18 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,037.18 with an interest rate of 10.875%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 1.33 years on the job xx<br> BWR2 receives SSI and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage APR Threshold test due to APR calculated 11.518% exceeds APR threshold of 10.490% over by +1.028%. <br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $5,097.00 exceeds fees threshold of $3,914.00 over by +$1,183.00 <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,907.00<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $695.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $$5,097.00 exceeds fees threshold of $3,914.00 over by +$1,183.00. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,907.00<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $695.00<br>Loan fails GSE (Fannie Mae public guidelines) QM APR Test due to APR calculated 11.518% exceeds APR threshold of 10.490% over by +1.028%."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape defect shows that the solar panels lien that increases the CLTV to 91% and the solar panels are also not subordinated, so the lien is in 3rd position. Further details were not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.570% exceeds APR threshold of10.490% over by +1.080%. The subject loan is not escrowed.<br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan test due to an APR calculated at 11.570% exceeds APR threshold of 10.490% over by +1.080%. The subject loan is not escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.518% exceeds APR threshold of 10.490% over By +1.028%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26941205 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1499.56 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1133.79 | 8.875% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 777 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for 2024 are paid in the amount of $1,499.56 on xx/xx/2024.<br> The annual combined taxes of the year for 2023 are paid in the amount of $1,069.37 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,133.79 which was applied for the due date of xx/xx/2024. The current P&I is $1,133.79 with an interest rate of 8.8750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Subject loan is DSCR. Employment details are not available. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "As per the tape defect, the subject property was listed for sale after closing and now it's delisted. As per the updated title report dated xx acquired the property through the deed which was recorded on xx The subject mortgage originated on xx The current owner of the property is the same as BWR." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98061323 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3502.14 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $438.79 | 10.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 694 | 746 | 44.219% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx<br> No active liens and judgments have been found.<br> The 1st, 2nd, and 3rd installments of county taxes for 2024 are due in the total amount of $3,502.14 on xx/xx/2024, xx/xx/2025, and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $438.79, which was applied for the due date of xx/xx/2024. The current monthly P&I is $438.79 with an interest rate of 10.00%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR xx<br> BWR2 receives pension, xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject loan is a second lien loan and fails HPML test if rate lock date is changed. Compliance report available in the loan package and Infinity compliance report shows loan passed HPML test. Further details not provided."<br> \* Missing Appraisal (Lvl 3) "The appraisal report is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13890517 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2408.29 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $926.21 | 13.899% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 651 | Not Applicable | 49.577% | Second | Unavailable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated xx<br> There is one prior mortgage active against the subject property in favor of MERS as nominee for xx in the amount of xx.The first installment of county taxes for the year 2024 has been paid in the amount of $2,408.29 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $926.21 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $926.21 with an interest rate of 13.899%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed QM APR test due to APR Charged 14.174% APR Threshold 10.420% over by +3.754%."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed the unrelated transactional fees test. The below fees were included in the test:<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $5.50<br>Loan failed the lender retained fees test. The below fees were included in the test:<br> Underwriting Fee paid by Borrower: $999.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR charged 14.174% exceeds APR threshold of 10.420% over by +3.754%."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject loan was approved at 49.57%. Tape shows BWR SE income using the average of 12 months of business bank statements was miscalculated. Revised DTI is 53.28%. BWR has been SE for 10.5 years at xx 0 since inception, $xx equity in the subject and $2,311 residual income.""<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 14.227% exceeds APR threshold of 10.420% over by +3.807%. Defensive period of 1 year has been expired.<br>Loan failed Qualified Mortgage Safe Harbor threshold test APR Calculated 14.174% APR threshold 10.420% over by +3.754%." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41115391 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1684.70 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1951.81 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 32.056% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for the year 2024 are due in the amount of $1,617.31 on xx/xx/2024.<br> The annual county taxes for the year 2023 have been paid in the amount of $1,502.65 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,300.30 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,951.81 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the FEMA disaster was declared on xx/xx/2024 due to the hurricane. CCs do not show damages.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape and review of loan document shows TRID violation as the BWR2 was not provided with initial CD. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48768965 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3055.16 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1432.50 | 5.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 619 | 733 | 23.495% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens were found.<br> The first and second installments of county, utilities/MUD and other taxes for 2024 are due in the total amount of $3,055.16.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,205.31, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,432.50 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Borrower has 0.75 years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Appraisal report was subject to. 1004D shows that all required repairs have been made and the subject property is 100% complete. Tape shows that the engineer certificate was completed by 2 different companies. Engineer certificate report provided by the 2nd company with the verbiage, which did not comply with HUD standards. Requested new engineer cert received as non-compliant due to water issues in crawl spaces. Engineer certificate is missing from the loan file. Further details were not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to Fees charged $8,243.72 Exceeds Fees threshold of $6,963.58 Over by +$1,280.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,909.00<br> Points - Loan Discount Fee paid by Borrower: $2,535.72<br> Underwriting Fee paid by Borrower: $799.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,243.72 Exceeds Fees threshold of $6,963.58 Over by +$1,280.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,909.00<br> Points - Loan Discount Fee paid by Borrower: $2,535.72<br> Underwriting Fee paid by Borrower: $799.00"<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $579.00. CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $2,535.72. This is an increase in fee of +$1,956.72 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL is expired.<br>TRID Violation due to decrease in lender credit on Closing Disclosure dated xx . Initial CD dated xx reflects lender crexx/2023 reflects Lender Credit at $0.00. This is decrease of $225.83 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case that originated on xx and the 1-year SOL is expired."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal rexxxrty is a manufactured home. The MH rider attached with recorded mortgage, which is locatedxxme is affixed permanently to the land. The wheels, axles, tow bar, or hitch were removed. The VINxx |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84366416 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7540.40 | 09/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $677.21 | 11.209% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 707 | 692 | 43.132% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The 1st and 2nd installments of county taxes for 2024-2025 are due in the total amount of $7,540.4 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $677.21, which was applied for the due date of xx/xx/2024. The current monthly P&I is $677.21 with an interest rate of 11.209%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2024, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br>xx<br> 2.00 engineer xx<br> BWR1 has 3.08 years on the job as a xx withxx<br> BWR2 has 2 years on the job as an xx with xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWR had multiple derogatory housing events like foreclosure and bankruptcy in past credit history, which is not acceptable for approving of a second lien subject loan. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 11.659% exceeds APR threshold of 10.160% over by +1.499%."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.700% exceeds APR threshold of 10.160% over by +1.540%. <br>Loan failed the CA AB 260 higher-priced mortgage loan test (CA AB 260, California Financial Code Division 1.9 4995(a)) due to an APR calculated at 11.700% exceeds APR threshold of 10.160% over by +1.540%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45027565 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $19.38 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1100.19 | 4.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 795 | Not Applicable | 44.636% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of town taxes for 2024 are due in the total amount of $19.38 on xx/xx/2025 and xx/xx/2025.<br> The 1st and 2nd installments of town taxes for 2023 are paid in the total amount of $8,779.8 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,027.43 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,100.19 with an interest rate of 4.375%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for default is not available in servicing comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property has been occupied by owner.<br> BWR is retired and xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 44.63%. Tape shows non-retirement distribution income used for qualification is not supported. File shows letter from broker supporting $xx of the $4800 income distributions. Further details are not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR receives SSI, retirement distribution, and additional distribution income, FILO 795, 0X30 in the last 12 months, and $xx equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.636% as the borrower's income is $7,522.10 and total expenses are in the amount of $3,357.59 and the loan was underwritten by DU (Lxx |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17569139 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8113.50 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1151.32 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 738 | Not Applicable | 49.656% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of town taxes for 2025 have been due in the total amount of $4,056.74 on xx/xx/2025 and xx/xx/2025.<br> The fourth installment of town taxes for 2024 has been paid in the amount of $2,060.84 on xx/xx/2024.<br> The annual utilities/MUD taxes for 2024 are paid in the amount of $2.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,922.86, which was applied for the due date of xx/xx/2024. The current P&I is $1,151.32 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is retired andxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 49.65%. Tape shows PITIA miscalculation as correct HOA was not included in PITIA. The revised DTI is 54%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR is retired and receives retirement and social security income, FIxx |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan xx<br> HOA Capital Contribution Fee paid by Borrower: $1,179.66<br> HOA Dues At Closing Fee paid by Borrower: $996.43<br> Title - CPL Fee paid by Seller: $75.00."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33963270 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Hawaii | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4624.17 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2732.46 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 748 | 744 | 44.113% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was xx<br> No active judgments or liens have been found.<br> The third and fourth installments of county taxes for the year 2025 are due in the total amount of $2,312.08 on xx/xx/2025 and xx/xx/2025.<br> The first and second installments of county taxes for the year 2025 have been paid in the total amount of $2,313.09 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,099.13, which was applied for the due date of xx/xx/2024. The current P&I is $2,732.46 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx | Collections Comments:As per the review of the collection comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The loan has not been modified since origination. <br> No foreclosure activity has been initiated. <br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br> BWR receives xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $3,885.57. This is an increase fee in the amount of +$3,885.57 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx and the 1-year SOL is expired."<br> \* xx or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.11%, as the borrower's income is $8,160.10 and total expenses are in the amount of $3,599.63. The loan was underwritten by Dxx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9262517 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11676.83 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3304.04 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 15.564% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual city/combined taxes for 2024 have been paid in the total amount of $11,676.83. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,540.94 which was applied for the due date of xx/xx/2024. The current P&I is $3,304.04 and the interest rate is 3.750%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,540.94 which was applied for the due date of xx/xx/2024. The current P&I is $3,304.04 and the interest rate is 3.750%. The current UPB is xx<br> No bankruptcy and foreclosure evidence has been found.<br> As per the collection comment dated xx/xx/2023, the RFD is servicing issues.<br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found. <br> BWR has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan rate of 3.75% is below the investor's minimum tolerance limit. Further details not provided."<br> \* Missing proof of hazard insurance (Lvl 3) "The hazard insurance policy is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at xx This is an increase fee in the amount of +$3,567.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case; it originated on xx/xx/2022, and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6582954 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9802.45 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3499.50 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 696 | Not Applicable | 38.297% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found<br> The annual county taxes for 2023 were paid in the amount of $10,032.43 on xx/xx/2023.<br> The annual county taxes for 2024 are due on xx/xx/2024 in the amount of $9,410.35.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,699.38 which applied for xx/xx/2024. The current P&I is $3,499.50 with an interest rate of 6.125%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $3,499.50 with an interest rate of 6.125%. The UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> The reason for default has not been mentioned in the latest collection comments. <br> As per the seller's tape, the subject property is owner-occupied.<br> BWR has 10.16 years on the jxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $5,700.38. This is an increase in fee of +$5,700.38 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, xx |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8929549 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7131.42 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2110.94 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 736 | Not Applicable | 49.973% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 are due in the amount of $7,131.42 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,114.42 which was applied for the due date of xx/xx/2025. The current P&I is $2,110.94 and the interest rate is 4.750%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,114.42 which was applied for the due date of xx/xx/2025. The current P&I is $2,110.94 and the interest rate is 4.750%. The current UPB is xx<br> No bankruptcy and foreclosure evidence has been found.<br> Unable to determine the RFD.<br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found. <br> BWR has 12 years on the job axx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Appraisal (Incomplete)<br> Initial 1003_Application<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. Thexx | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing Initiaxx 3) "Initial 1003 signed by loan originator is missing from the loan documents."<br> \* Missing xx 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents.<br> Settlement services provider list is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "The affiliated business disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.98%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 59%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 12 years on the job as director of engineering at Marriott International, FICO 726, 0X30 in the last 12 months, $xx equity in the subject, and $4,398 residual income."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on Final CD as xx Calculated Finance charge is $368,728.03 for an under disclosed amount of -$2,604.58. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing.<br>The subject loan is a purchase, originated oxx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to the initial CD is missing from loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55182521 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15167.22 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2574.84 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 49.737% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for the year 2024 have been due in the amount of $15,167.22 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,911.49 which was applied for the due date of xx/xx/2024. The current P&I is $2,574.84 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for default is not available in the collection comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per the appraisal report dated xx/xx/2021, located atxx the subject property needs the installation of carbon monoxide detectors and smoke alarms and a tankless water heater. The estimated cost is not provided. There is no evidence of completion of repairs, and CCs do not show damages.<br> As per tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has 19.5 years on the job as a xx at xx<br> BWR2 has 2.91 years on the job as a xx atxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Credit Report<br> Hazard Insurance<br> Initial 1003_Application<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Note<br> Transmittal (1008) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is subject to electric, water, and gas utilities being turned on; carbon monoxide detectors and smoke alarms were not installed; a tankless water heater was not installed. xx is missing from the loan documents. Final CD does not reflect any escrow holdback. xx search shows an estimated value of $1,343,300. Current UPB xx<br> \* Note is missing or unexecuted (Lvl 4) "The original note is missing. The lost note affidavit is not available in the loan file. Also, the loan was not modified." | \* Missing credit report (Lvl 3) "Credit report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial 1003 signed by loan originator is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.73%. Tape shows BWR2 income used to qualify is not allowed as BWR2 is the realtor on the transaction. The revised DTI is 50%. Further details not provided. Lender defect. The subject originated on xx and the 3-year SOL has expired. BWR1 has 19.5 years oxx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "Complianceease TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.73% as the borrower's income is $29,613.25 and total expenses are in the amount of $14,728.73 and the loan was underwritten by DU (Lxx |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64603009 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6640.72 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2220.45 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | 44.515% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 3rd and 4th installments of county taxes for 2025 are due in the total amount of $3,320.36 on xx/xx/2025 and xx/xx/2025.<br> The 1st and 2nd installments of county taxes for 2025 were paid in the total amount of $3,322.96 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,908.80 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,220.45 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property has been occupied by owner.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.52%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is expired. BWR has been SE for 2.03 years at xx, FICO 673, 0X30 in the last 24 months, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx reflects Points - Loan Discount Fee at $1,160.00. Final CD dated xx reflects Points - Loan Discount Fee at $1,275.51. This is an increase in fee of +$115.51 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.515%, as the borrower's income is $7,711.92 and total expenses are in the amount of $3,432.94 and the loan was underwritten by DU (xx7) and its recommendation is Approve/Eligible with a DTI of 44.52%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19258439 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2772.78 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1315.40 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 774 | Not Applicable | 29.815% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for the year 2024 has been paid in the amount of $1,386.39 on xx/xx/2024.<br> The second installment of county taxes for the year 2024 is due in the amount of $1,386.39 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,583.54, which was applied for the due date of xx/xx/2024. The current P&I is $1,315.40 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx  | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has beenxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 30.17%. Tape shows two undisclosed mortgage debts opened prior to closing. Revised DTI is 79%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has been SE for 9.33 years as a xx, FICO 774, 2X60 in the last 24 months, $xx equity in the subject."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by the loan originator is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5786798 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7374.34 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1124.06 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 22.441% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The 1st and 2nd county taxes for 2024/2025 are due in the total amount of $7,374.34 on xx/xx/2024 and xx/xx/2025 respectively.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,000.00 which was applied for the due date of xx/xx/2024. The current P&I is $1,124.06 and the interest rate is 3.125%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,000.00 which was applied for the due date of xx/xx/2024. The current P&I is $1,124.06 and the interest rate is 3.125%. The current UPB is xx <br> No foreclosure and bankruptcy evidence has been found.<br> Unable to determine the RFD.<br> Unable to confirm the current occupancy of the subject property. <br> No damage or repairs have been found. <br> BWR has been SE for xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Appraisal (Incomplete)<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1xx<br> \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows subject is NOO as BWR listed the subject property for sale one month after closing and subsequently listed it for rent. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 22.44%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 5.33 years at xx, FICO 759, and $xx equity in the subject."<br> \* Compliance Testing (Lvl 2) "Loan failed the TRID disclosure delivery date validation test as the closing disclosure delivery date is on the loan estimate delivery date. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the TRID disclosure delivery date validation test as the closing disclosure delivery date is on the loan estimate delivery date."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to Initial CD is missing from loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents.<br>Home loan toolkit is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure is missing from the loan documents." |  | Critical | Pass | Pass | No Result | Pass | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94479263 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4806.18 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1849.61 | 5.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 744 | Not Applicable | 38.741% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> No active judgments or liens have been found. <br> The annual combined taxes for 2024 are due in the amount of $4,806.18 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,686.54 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,849.61 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx<br> . | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $1,849.61 with an interest rate of 5.250%. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> The RFD is not available.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 10.41 years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "Intent to proceed disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #2 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71497699 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2946.44 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1949.00 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 797 | 770 | 40.366% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2nd installment of county taxes for 2024 is due in the amount of $1,473.22 on xx/xx/2025.<br> The 1st installment of county taxes for 2024 was paid in the amount of $1,473.22 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,232.05 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,949.00 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for default is not available.<br> The loan has not been modified since origination.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR has 1.58 years on the job as axxn. Previously, xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Appraisal in the loan file is subject to completion of construction. Subject is new construction and estimate amount of completion is not available in the appraisal report. Appraisal 1004D update/completion report is missing from loan documents. Final CD does not reflect escrow holdback amount." | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows IPC (interested party contribution) of 2% exceeds the limit for NOO loan. Further details not provided."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30313602 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7897.22 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1019.88 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 684 | Not Applicable | 44.644% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a junior UCC lien in favor xx<br> The annual combined taxes for 2023 have been paid in the amount of $7,557.51 on xx/xx/2023.<br> The annual combined taxes for 2024 are due in the amount of $7,897.22 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,912.89 which was applied for the due date of xx/xx/2024. The current P&I is $1,019.88 and the interest rate is 2.750%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,912.89 which was applied for the due date of xx/xx/2024. The current P&I is $1,019.88 and the interest rate is 2.750%. The current UPB is xx<br> No foreclosure and bankruptcy evidence has been found.<br> Unable to confirm the current occupancy of the subject property. <br> No damage or repairs have been found. <br> BWR has 1.30 years on the job as axx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is subject to completion of construction, and 1004D confirming the completion of construction is missing from the loan documents. The final CD does not reflect any escrow holdback. xx search shows an estimated value of $xx and Current UPB is xx | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows loan does not meet the eligibility requirement of Freddie Mac for manual UW as the DTI on the loan is greater than 36%. Further details not provided." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from the loan file. Subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan file."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial CD is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents.<br>Home loan toolkit is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.644%, as the borrower's income is $5,502.17 and total expenses are in the amount of $2,456.41 and the loan was underwritten by AUS/LP (Loxxd its risk class is "Caution" with 45%. Subject loan originated on xx and 3-year SOL is expired." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77225100 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9483.21 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1903.88 | 4.500% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 66.270% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active liens and judgments have been found against the borrower and subject property.<br> The annual combined taxes for 2024 are due in the amount of $9,483.21 on xx/xx/2025.<br> The annual combined taxes for 2023 were paid in the amount of $10,094.20 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,974.06 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,903.88 with an interest rate of 4.50%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 30 years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is a VA purchase. Tape shows xx guaranty could not be obtained as VA entitlement was not restored. Further details not found."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed ComplianceEase delivery and timing test for initial loan estimate dated xx Document tracker proving the delivery of initial loan estimate within 3 business days from the initial application date of xx is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing in loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents.<br> Settlement services provider list is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 66.27% as the borrower's income is xx and total expenses are in the amount of $8,092.95 and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of 66.27%." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71804520 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $0.00 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1913.25 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 796 | Not Applicable | 48.345% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx There is Muni/City/Code lien found against the subject property in favor of xx which was recorded on xx. The taxes are to follow. No prior year's delinquent taxes have been found. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,521.93 which applied for xx/xx/2024. The current P&I is $1,913.25 with an interest rate of 6.990%. The UPB is xx | Collections Comments:The current status of the loan is performing. According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $1,913.25 with an interest rate of 6.990%. The UPB is xx No foreclosure activity has been found. No bankruptcy-related details have been found. As per tape data dated xx/xx/2024, the property is owner-occupied.xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing Dicsloures<br> Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement services provider list is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 48.345%. Tape shows lender used asset distribution of $5700 from $xx Fidelity account to qualify. Further details not provided. Lender defect. Subject loan originated 6/xx/24 and the 3 year SOL is active. BWxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12084392 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7358.61 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3051.08 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | No | 763 | Not Applicable | 26.669% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was xx<br> No active judgments or liens found<br> The annual combined taxes for 2024 are due on xx/xx/2025 in the amount of $7,448.01.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,391.13 which applied for xx/xx/2024. The current P&I is $3,051.08 with an interest rate of 6.990%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The current P&I is $3,051.08 with an interest rate of 6.990%. The UPB is xx No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> The reason for default has not been mentioned in the latest collection comments. <br> As per tape data, the property is owner-occupied.<br> BWR has been SE for 7.08 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Flood Certificate<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. xx search shows an estimated value of $xx and current UPB is xx | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure is missing from the loan document."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property. xx search does not reflect an estimated value. Current UPB is $xx." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9028061 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5457.36 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1822.35 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 634 | Not Applicable | 33.636% | First | Short Form Policy | Not Applicable | Not Applicable | 05/xx/2024 | $424571.68 | Not Applicable | 3.250% | $1581.70 | 06/xx/2024 | Financial Hardship | As per review of the updated title report dated xx/xx/2024, the subject mortgage was xx<br> There is UCC financing statement open against the borrower in favor of xx<br> The annual combined taxes for 2024 are due on xx/xx/2025 in the amount of $5,457.36.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,532.42 which applied for xx/xx/2024. The current P&I is $1,581.70 with an interest rate of 3.250%. The UPB is xx<br> . | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The current P&I is $1,581.70 with an interest rate of 3.250%. The UPB is xx<br> The loan modification agreement was made between the borrower and lender on xx/xx/2024<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the collection comment dated xx/xx/2022, the forbearance plan was offered. Further details not available.<br> As per the document located xx<br> As per tape data, the property is owner-occupied.<br> BWR xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the borrower and lender on xx The new modified rate is 3.250% and borrower promises to pay the P&I of $1,581.70 which began on xx The new principal balance is $424,571.68 and the maturity date is xx | Appraisal (Incomplete)<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. xx search shows an estimated value of $xx and current UPB is xx | \* Loan does not conform to program guidelines (Lvl 3) "As per the tape defect, the payment for March 1, 2023, is 13 months late. As per the review of the payment history, the payment of xx/xx/2024 was made on xx/xx/2024. The loan is performing and the next due date is xx/xx/2024. Current UPB is $422,398.75." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 33.63%. Tape shows the loan is not eligible for manual UW due to additional layering of risk, such as 95% LTV, 1-month reserves, and a 663 credit score. Further details not provided. Lender defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR xx "TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL is expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents." |  | Minimal | Pass | Pass | No Result | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55368374 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6149.28 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4180.42 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 36.040% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated xx<br> No active judgments or liens have been found. <br> The annual combined taxes for 2023 have been paid in the amount of $3,803.60 on xx/xx/2024.<br> The annual combined taxes for 2024 are due in the amount of $6,149.28 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,120.47 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $4,180.42 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 year on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Credit Report<br> Hazard Insurance<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock |  | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. xx search shows an estimated value of $xx and current UPB is xx | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counselling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing credit report (Lvl 3) "Credit report is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan file."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx Calculated finance charge is $799,558.49 for an under disclosed amount of -$5,205.91. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated oxx<br> TRID total of payment disclosed on final CD as xx Calculated total of payments is $1,526,223.49 for an under disclosed amount of -$5,079.71. The disclosed total of payments of $1,521,143.78 is not considered accurate because it is understated by more than $100. Subject loan is purchase case, originated on xx/xx/2023, and the 1-year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents. <br> Home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | No Result | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69926662 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5409.56 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1313.26 | 2.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 642 | Not Applicable | 31.733% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated xx<br> There is one civil judgment open against the borrower which was recorded on xx The amount is not mentioned on the supporting document.<br> The first & second installments of county taxes for 2024-2025 are due in the amount of $5,409.56.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,867.50 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,313.26 with an interest rate of 2.500%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 2.14 years on thexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Missing Required Disclosures<br> Mortgage Insurance |  | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. UPB as per tape $295,496.14 and xx estimate value xx | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is uninsurable by GNMA as BWR's CAIVRS history is not clear. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 31.73%. Tape shows lender underwriting error. Further details not provided. Lender defect. Subject originatedxx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL is expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "The initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 2) "Hazard insurance policy is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provided list is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99166244 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Mexico | xx | xx | xx | New Mexico | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7434.02 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1379.65 | 3.499% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 643 | 655 | 41.789% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> No active judgments or liens have been found. <br> The first & second installments of county taxes for 2024-2025 are due in the amount of $7,434.02.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,300.76 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,379.65 with an interest rate of 3.499%. The current UPB reflected as per the payment history is xx<br> . | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Previously the borrower worked for multiple firms, and currently the borrower is working with xx for 4 months. <br> BWR2 has 2.08 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock |  | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape indicates the subject may be NOO, as the BWR did not move into the subject property. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 41.79%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx and the 3-year SOL is expired. BWR1 has 4 months on the job as a journeyman electrician at Faith Technologies; BWR2 has 2.08 years on the job as a nxx, FICO 643, and $xx equity in the subject."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as xx Calculated finance charge is $204,182.43 for an under disclosed amount of -$1,923.15. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired.<br>Loan failed the TRID total of payments test as this loan data reflects total of payments in the amount of $509,537.28. xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing in the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71944012 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6326.94 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1313.90 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 710 | 724 | 40.033% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the total amount of $6,326.94 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $5,420.44 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,050.24 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,313.90 with an interest rate of 3.750%. The current UPB reflected as per the payment history is x | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $264,561.73.<br> No comments have been found for foreclosure and bankruptcy.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> The covid-19 attestation is located at xx<br> BWR1 has 1 month on the job as an xx<br> BWR2 has 1 month on the job asxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject loan was approved at 40%. Tape shows defect thaxx. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 40%. Tape and file show BWRs have limited job history. Further details not provided. Lender defect. Subject originated 4/xx/23 and the 3 xxan xx axx the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33559824 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6076.52 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $898.37 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 38.524% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgment has been found.<br> The 1st installment of county tax for 2024 has been paid in the amount of $3,038.26 on xx/xx/2024.<br> The 2nd installment of county tax for 2024 has been due in the amount of $3,060.13 on xx/xx/2024.<br> The annual utilities/MUD taxes for 2024 have been due in the amount of $136.55 on xx/xx/2024.<br> No delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024, in the amount of $1,563.36, which was applied for the due date of xx/xx/2024. The current P&I is $898.37 and interest rate is 5.990%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx<br> Unable to determine the RFD. <br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the current occupancy from CCs and tape shows the property has been rented out.<br> BWR has 13xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Credit Report<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. UPB as per tape xx and xx<br> \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows subject is xx as the BWR acknowledged subject was rented out. Further details were not provided. Elevated for client review." | \* Missing credit report (Lvl 3) "Credit report is missing from loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 38.52%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWRxxnated on xx/xx/2022, and the 3-year SOL is activexx d, 3xxn the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61275875 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8450.36 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3392.55 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 780 | 776 | 24.670% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual combined taxes for 2023 were paid on xx/xx/2023 in the amount of $8,450.36.<br> As per updated title report, no prior year taxes are delinquent | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,604.33 which applied for xx/xx/2024. The current P&I is $3,392.55 with an interest rate of 4.125%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The current P&I is $3,392.55 with an interest rate of 4.125%. The UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per tape data, the property is owner-occupied.<br> BWR1 has 7 years on the joxx.<br> BWR2 has 5 years on thxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows appraisal delivery requirements not being met. The appraisal was delivered to the borrower on xx/xx/2022, and the loan closed on xx/xx/2022." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25036930 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4207.64 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $484.89 | 2.250% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 792 | 791 | 25.220% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated onxx<br> No active judgments or liens have been found. <br> The first and second installments of county taxes for 2025 is paid in the amount of $2,106.82.<br> The third and fourth installments of county taxes for 2025 are due in the amount of $2,103.82.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $901.75 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $484.89 with an interest rate of 2.250%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1xx<br> BWR2 has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Mortgage Insurance |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows loan is closed without dxx entitlement. Further details not found." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed the loan origination fee test due to fees charged $1,375.48 exceeds fees threshold of $1,268.51 over by +$106.97. <br> The below fees were included in the test:<br> HOA Capital Contribution paid by Borrower: $1,300.48<br> HOA Transfer Setup paid by Borrower: $75.00."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counselling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 2) "VA guaranty certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8199804 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2476.12 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1114.85 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | No | Not Applicable | Unavailable | 790 | Not Applicable | 39.931% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found<br> The annual combined taxes for 2023 were paid in the amount of $627.68 on xx/xx/2023.<br> The annual xx taxes for 2023 were paid in the amount of $1,848.44 on xx/xx/2024.<br> The annual xx taxes for 2024 are due on xx/xx/2025 in the amount of $1,655.90.<br> As per updated title report, no prior year taxes are delinquent. | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,656.65 which applied for xx/xx/2024. The current P&I is $1,114.85 with an interest rate of 5.375%. The UPB is xx<br> . | Collections Comments:The current status of the loan is performing.<br> According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,656.65 which applied for xx/xx/2024. The current P&I is $1,114.85 with an interest rate of 5.375%. The UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per the seller's tape, the subject property is owner-occupied.<br>BWR has 4.33xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Flood Certificate<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Missing Required Disclosures |  | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is as is. The home is in new condition, and the improvement section reflects some repairs that need to be completed for sod/landscaping, and the estimated cost to amount is $1,700.00. The 1004D completion report is missing from the loan documents. Final CD does not reflect escrow holdback."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counselling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure signed by borrower is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing flood cert (Lvl 3) "The flood certificate is missing from the loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 39.93%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is xx<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete as the initial LE is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22796233 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $633.36 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3089.52 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Unavailable | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 678 | Unavailable | 38.556% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx No active liens and judgments have been found against the borrower and subject property. The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $633.36 on xx/xx/2024 and xx/xx/2024, respectively. No prior year's delinquent taxes have been found | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,230.72 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,089.52 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx No evidence has been found regarding the current or prior foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. No evidence has been found regarding litigation and contested matters. As per the tape data, the subject property is owner-occupied. No evidence related to a natural disaster was found in the servicing comments. No comments have been found stating the borrower's income was impacted by Covid-19. The appraisal report is subject to completion as per plans. The available xx reflects the weather-related items are incomplete. Landscaping and SOD are needed to be completed. The appraisal report reflects the estimated cost to repair the property, which is approximately $6,000.00. There is no evidence to confirm the current status of repairs. Further details are not provided. Previously the borrower worked for multiple firms, xx. Co-borrower has prior employment xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is subject to completion as per plans. The available 1004D reflects the weather-related items are incomplete. Landscaping and SOD are needed to be completed. The appraisal report reflects the estimated cost to repair the property, which is approximately xx The updated xx report is missing from the loan documents. Also, the final CD does not reflect escrow holdback. UPB as per tape xx and xx estimate value xx | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Credit score not provided (Lvl 3) "Credit score of the co-borrower is not provided."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows credit accidentally repulled, and the score came in below acceptable levels. A soft credit pull was intended. Hard credit was pulled accidentally, wherein the borrower's credit score came back too low for approval. Further details are not provided. FICO 678."<br> \* MI, FHA or MIC missing and required (Lvl 3) "The mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32473677 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $1491.30 | $5577.58 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2558.83 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 716 | 766 | 45.592% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx. There are 8 prior xx found against the borrower in the total amount of xx filed by different plaintiffs, which were recorded on different dates. There is a prior civil judgment found against the borrower in favor of xx. The 1st and 2nd installments of town taxes for 2025 are due in the total amount of $2,788.79 on xx/xx/2025 and xx/xx/2025. The 1st, 2nd, and 3rd installments of town taxes for 2024 were paid in the total amount of $4,086.27 on xx/xx/2024, xx/xx/2024, and xx/xx/2024. The annual utilities/MUD taxes for 2024 have been delinquent in the amount of $201.60, which were good through xx/xx/2024. The 4th installment of town taxes for 2024 is delinquent in the total amount of $1,491.30, good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,177.17, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,558.83 with an interest rate of 6.99%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx No evidence has been found regarding the current/prior foreclosure proceedings. As per the PACER report, the borrower has not filed for bankruptcy since loan origination. No information has been found regarding the forbearance plan. No information has been found related to damage or repairs. As per the tape data, the subject property is owner-occupied. <br> BWR has 1.41 years on the job as an xx. BWR has prior employment experience as an xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the prohibited fees test. (N.J.S.A. §17:11C-74, N.J.A.C. §§3:1-16.2). The loan does charge fee(s) not providexx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows the subject condo project is ineligible due to deductible on the master policy. The master insurance policy reflects a high deductible of $xx and dwelling coverage of $xx. Further details not provided. xx search shows an estimated value at $xx. Current UPB is $xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76316004 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $672.11 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1132.47 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 682 | Not Applicable | 34.014% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> No active judgments or liens have been found. <br> The annual combined taxes for 2024 are due in the amount of $672.11 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,132.47 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,132.47 with and interest rate of 7.625%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> Unable to determine the status of current occupancy.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 6 months on the joxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows that the investor is not buying the subject property, which is a manufactured home. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed. As per the appraisal report dated xx the subject property type is a manufactured home. The manufactured housing unit and affidavit of affixation rider attached with the recorded mortgage located atxxstate that the manufactured home with VIN # xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9934019 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Idaho | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $936.54 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1356.49 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 715 | Not Applicable | 40.427% | First | Final policy | Not Applicable | Not Applicable | 03/xx/2024 | $231296.29 | $15536.29 | 6.125% | $1206.00 | 03/xx/2024 | Financial Hardship | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The 1st and 2nd installments of combined taxes for 2024 are due in the total amount of $936.54.<br> No prior delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,407.82, which was applied for the due date of xx/xx/2024. The current P&I is $1,206.00 with an interest rate of 6.125%. The UPB is xx | Collections Comments:According to the service comment, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx<br> As per the collection comment dated xx/xx/2023, RFD is Excessive Obligations.<br> As per the collection comment dated xx/xx/2023, the forbearance plan was given. As per the collection comment dated xx/xx/2024, the forbearance plan was completed. Further details not provided.<br> As per the collection comment dated xx/xx/2024, the loan was modified.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No damages were reported.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is xx The borrower promises to pay $1,206.00 monthly with a modified interest rate of 6.125% beginning on xx with a maturity date of xx The deferred balance is $15,536.29 and interest bearing is xx | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #2, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed onxx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated x reflects Appraisal Fee at $650.00. CD dated xx reflects Appraisal Fee at $1,520.00<br> Loan estimate dated xx does not reflect IBTS Verification Fee. CD dated xx reflects IBTS Verification Fee at xx<br> This is a cumulative increase in fee of $1,095.00 for charges that cannot increase. Valxx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58984488 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1098.99 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $434.55 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 813 | Not Applicable | 41.397% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for the year 2024 are due in the amount of $1,098.99 on xx/xx/2025.<br> The annual combined taxes for the year 2023 were paid in the amount of $1,004.46 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $434.55 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $434.55 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> As per the comment dated xx/xx/2024, the subject property is non-owner occupied.<br> As per the comment dated xx/xx/2024, the RFD is servicing problem.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the current condition of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 3 months on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan is NOO and was approved at 41.39%. Tape shows income miscalculation. Further details not provided. Lender defect. Subject loan originated on xx and the 3-year SOL is active. BWR has 3 months on the job as a xx 813, 2X30 since inception and $xx equity in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78462575 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2930.05 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $692.52 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 793 | Not Applicable | 48.625% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual xx taxes for 2023 were paid in the amount of $2,693.67 on xx/xx/2022, xx/xx/2023 and xx/xx/2023.<br> The annualxxy taxes for 2024 were due in the amount of $2,911.39 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $692.52 with an interest rate of 6.125%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $692.52 with an interest rate of 6.125%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 48.62%. Tape shows income miscalculation. Revised DTI is 51.21%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.58 years on the job as a xx 1351, FICO 780, 0X30 since inception, $xx equity in the subject, and $1,370 residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75740516 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $661.71 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 741 | 719 | 47.111% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 are exempt for xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $880.90 which was applied for the due date of xx/xx/2024. The current P&I is $661.71 and the interest rate is 7.250%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx in the amount of $880.90 which was applied for the due date of xx/xx/2024. The current P&I is $661.71 and the interest rate is 7.250%. The current UPB is xx<br> No foreclosure and bankruptcy evidence has been found.<br> As per the collection comment dated xx/xx/2024, the RFD is excessive obligations. <br> As per the collection comment dated xx/xx/2024, the subject property is owner occupied. <br> No damage or repairs have been found. <br> BWR1 hasxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 47.11%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx and the 3-yeaxxxxR2 has 1.08 years on the joxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74318177 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1291.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3784.31 | 9.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 37.661% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> No active judgments or liens have been found. <br> The annual county taxes for 2023 are paid in the amount of $1,291.00 on xx/xx/2024.<br> The annual county taxes for 2023 are due in the amount of $1,291.00 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,053.31 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $3,784.31 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx<br>| Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed qualified mortgage Axx<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulationsxx<br> The below fees were included in the test<br> Loan Origination Fee paid by Borrower: $10,350.00<br> Processing Fee paid by Borrower: $700.00<br> Underwriting Fee paid by Borrower: $1,095.00.<br>Loan failed state regulations for the interest rate test due to APR calculated 9.250% exceeds APR threshold 8.690% over by +0.560%."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.569% exceeds APR threshold of 9.010% over by 0.559%."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows an issue related to licensing. Lender had a valid license in TN as of 7/xx/24. Subject loan closed after that date, 7/xx/24. Outside counsel agrees with LVL3 treatment. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.622% exceeds APR threshold of 8.260% over by +1.362%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.569% exceeds APR threshold of 8.260% over by 1.309%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80184030 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3427.78 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1722.59 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | No | No | 690 | Not Applicable | 49.327% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated onxx<br> There is one state tax lien open against the borrower in the amount of $4,424.17, which was recorded on xx<br> There is one junior mortgage open against the property in the amount of xx, which was recorded on xx<br> The 1st and 2nd installments of town taxes for 2025 are due in the total amount of $3,427.78.<br> The 1st, 2nd, 3rd, and 4th installments of town taxes for 2024 were paid in the total amount of $6,855.56.<br> The annual utilities/MUD taxes for 2024 have been delinquent in the amount of $198.00, which were good through xx/xx/2024. | According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,412.86 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,722.59 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is in collections.<br> According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> The appraisal report is as is, and the subject photo addendum shows the first floor is deteriorated and needs to be replaced, including the entry foyer, living room, dining room, kitchen, and rear foyer. Handrail to be installed on staircase from first to second floor. 1004D shows that the floor and the ceiling have been repaired and no information has been provided for the remaining damages. The total estimated cost of cure is not provided. CCs do not show damage.<br> As per comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per servicing comment dated xx/xx/2024, the property occupancy is stated as renter occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.66 years xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) |  | 3: Curable |  | . |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56079325 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6125.79 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1368.54 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | No | No | 796 | 728 | 25.722% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2024 are due in the amount of $6,125.79 on xx/xx/2024.<br> The annual combined taxes for 2023 were paid in the amount of $5,997.36.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,981.72 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,368.54 and the interest rate is 6.750%. <br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR rxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO and was approved at 25.72%. The tape shows the subject loan LTV of 79.90% exceeded the threshold of 75% for a 2-unit property. Further details are not provided. xx search shows an estimated value of $xx. Current UPB $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59215508 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1096.22 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $869.17 | 5.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 643 | 645 | 48.697% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> There is a prior credit card judgment against the borrower, xx<br> The 1st installment of county taxes for 2024 was paid in the amount of $548.11 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $548.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,319.83, which was applied for the due date of xx/xx/2024. The current P&I is $869.17 with an interest rate of 5.25%. The current UPB reflected as per payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by owner. CCs do not show any damage.<br> BWR1 xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations"<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails loan origination fee test due to Fees charged $1,880.00 Exceeds Fees threshold of $1,574.00 Over by +$306.00. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,315.00<br> Pest Inspection Fee paid by Borrower: $55.00<br> Termite Treatment paid by Borrower: $475.00<br> Title - Closing Protection Letter paid by Borrower: $35.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan fails Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/2023. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2023 which is less than 3 business days from the Consummation date xx/xx/2023.<br>Subject loan is refinance case, originated on xx/xx/2023 and the 3 years SOL is active.<br>Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects A Points - Loan Discount Fee at $4,573.00. CD dated xx/xx/2023 reflects A Points - Loan Discount Fee at $4,585.06. This is an increase in fee of $12.06 for charges that cannot increase. Valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan does not meet VA seasoning period requirements of 210 days. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77637159 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3347.90 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1040.72 | 5.250% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 643 | 680 | 46.405% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The first and second installments of county taxes for 2023 were paid in the amount of $3,347.90.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,637.07 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,040.72 and the interest rate is 5.250%. <br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "Borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan does not meet VA seasoning period requirements of 210 days. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72125483 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15755.84 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4242.37 | 5.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | 2 Family | xx | xx | Primary | No | Not Applicable | Unavailable | 724 | 725 | 36.350% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of $15,755.84 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $15,534.95 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,478.42, which was applied for the due date of xx/xx/2024. The current P&I is $4,242.37 with an interest rate of 5.490%. The current UPB reflected as per payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by owner.<br> As per the collection comment dated xx/xx/2024, the subject property was impacted by Hurricane Helene. CCs do not show any damage.<br> BWR1 has xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO, and the tape indicates that the property may be NOO due to misrepresentation. Further details not provided. Elevated for client review." | \* Lost Note Affidavit (Lvl 3) "Tape shows original note is lost. The unexecuted copy of lost note affidavit document is available at xx<br> \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved as OO at 36.35%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. BWR defect. The sxx the job as a xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect Appraisal Review Fee. CD dated xx/xx/2022 reflects Appraisal Review Fee at $150.00. This is an increase in fee of +$150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2022. Initial LE dated xx/xx/2022 reflects lender credit at $6,473.00. Final CD dated xx/xx/2022 reflects lender credit at $276.76. This is decrease of $6,196.24 for fee which has 0% tolerance test.<br>The subject loan is a purchase, originated on 5xx<br> \* Missing Required Disclosures (Lvl 2) "Your home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44401410 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4270.00 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1212.69 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 720 | Not Applicable | 36.378% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> No active judgments or liens have been found. <br> The first installment of county taxes for 2024 is paid in the amount of $2,135.00 on xx/xx/2024.<br> The second installment of county taxes for 2024 is paid in the amount of $2,135.00 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,864.83 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,212.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.66 years on the xx Construction between xx/xx/2021 and xx/xx/2022 for 1.50 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock |  | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated vaxx<br> \* Loan does not conform to program guidelines (Lvl 3) xx 24, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx Further details were not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66326511 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $443.34 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 634 | Not Applicable | 29.775% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a prior state tax lien against the borrower that was recorded on xx in the amount of $585.56 in favor xx<br> Annual county taxes for 2024 are exempt.  | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $787.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $443.34 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> As per the collection comment dated xx/xx/2024, the subject property was impacted by xx. CCs do not show any damage due to the disaster.<br> BWR xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) "Home is not affixed to the land.<br> As per the appraisal report, which is located at "xx the subject property type is manufactured home. The ALTA 7 endorsement is not attached to the short form title policy. The VIN# is not available in the legal description of the recorded mortgage. The manufactured home rider and affidavit of affixation are attached to the recorded mortgage located at "xx" The serial number is not mentioned in both documents." | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the amortization of the subject loan does not match lock terms. Further details not provided."<br> \* Missing Required Disclosures (Lvl 3) "Settlement service provider list is missing from the loan documents.<br> Home loan toolkit is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "Affiliated business disclosure is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.235% exceeds APR threshold of 8.430% over by +0.805%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.270% exceeds APR threshold of 8.430% over by +0.840%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30485245 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $18273.34 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4165.20 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | 790 | 27.808% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $18,273.34 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,165.20 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,165.20 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with loan and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final closing disclosure is missing from the loan documents. Post CD was used to run CE."<br> \* LE/CD Issue date test Fail (Lvl 3) "Tape shows final CD not signed at consummation. The final closing disclosure available in the file is incomplete, as page 4 of the CD does not reflect APR, finance charge, or total payment details. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.466% exceeds APR threshold of 8.440% over by +0.026%. The subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55099549 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2025.09 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2710.16 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 705 | Not Applicable | 47.464% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual county taxes for 2024/2025 were paid on xx/xx/2024 in the amount of $2,025.09.<br> As per the updated title report, no prior year taxes are delinquent. | The loan was originated on xx/xx/2024, and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current UPB reflected as per the payment history tape data is xx | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024, and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current UPB reflected as per the payment history tape data is xx<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> As per seller's tape, the subject property is owner-occupied.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> BWR hasxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the closing documents were signed one day prior to the allowed date per TRID rules to satisfy the waiting period from last LE to consummation date. Infinity compliance result fails the revised LE delivery and timing test as the receipt date of the last LE is less than 4 business days before the consummation date."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Compliance Ease delivery and timing test for revised loan estimate#1 dated xx and signed on xx which less than 4 business days from the consummation date xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount Fee. Final CD dated xx reflects Points - Loan Discount Fee at $31.01. This is an increase in fee of $31.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.217% exceeds APR threshold of 7.620% over by +0.597%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.192% exceeds APR threshold of 7.620% over by +0.572%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90967991 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2260.22 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2388.76 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | 49.572% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There are two junior mortgages against the subject property originated on xx in favor of xx<br> The 1st and 2nd county taxes for 2024/2025 are dues in the total amount of $2260.22. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,043.42, which was applied for the due date of xx/xx/2024. The current P&I is $2,388.76 with an interest rate of 8.375%. The UPB is xx | Collections Comments:According to the service comment, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx<br> Unable to determine the current occupancy and condition of the subject property.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No damages were reported.<br> BWR has 6.66 years on the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan was approved at 49.57%. Tape shows lender did not include student loan debt that is deferred to 2032 and the revised DTI is 53.22%. Further details not provided. BWR has 6.xx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 9.339% exceeds APR threshold of 8.720% over by +0.619%. The subject loan is escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.339% exceeds APR threshold of 8.720% over by +0.619%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test (12 CFR §1026.43(b)(4), (e)(1)) due to APR calculated 9.336% Exceeds APR threshold of 8.720% Over By +0.616%. Subject loan is escrowed."<br> \* LTV / CLTV > 100% (Lvl 2) "Collateral value used for underwriting: $324,000.00. Amount of secondary lien(s): $19,148.00, Loan amount: $314,280.00 LTV: 97.000% Current UPB is $313,289.53, with a current CLTV of 102.910%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30108614 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $5100.10 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4308.50 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 738 | 730 | 47.245% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There are three prior water and xx liens found against the subject property in the total amount of $5,648.02 filed by xx<br> The annual county taxes for 2024 are due in the amount of $2,550.02 on xx/xx/2024.<br> The annual county taxes for 2024 were paid in the amount of $2,550.08 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,189.05 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,308.50 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined from collection comments.<br> BWR1 has xxbetween xx/xx/2022 and xx/xx/2024 for 1.83 years.<br> BWR2 has 3.91 years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan was approved at 47.24%. The tape shows income miscalculation. The revised DTI is 51%. Further details not provided. BWR1 has 1.83 years on thxx | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $1,230.24." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40143236 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1344.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $860.07 | 2.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 747 | Not Applicable | 45.398% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was xx<br> The re-recorded mortgage located at (xx shows there is a correction for the maturity date of the subject mortgage.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of $1,344.00 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $1,344.00 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,130.95 which was applied for the due date of xx/xx/2024. The current monthly P&I is $860.07 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> Unable to determine the current occupancy of subject property.<br> BWR has 3.16 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due txx ore than 3 business dayxx<br>The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL is expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.398%, as the borrower's income is $3,308.87 and total expenses are in the amount of $1,502.16 and the loan was underwritten by DU (Rodriguez Fullfile Pg#522) and its recommendation is Approve/Eligible with a DTI of 45.40%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63035471 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1183.26 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $955.27 | 6.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 660 | Not Applicable | 13.517% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2023 have been paid in the amount of $779.83 on xx/xx/2024.<br> The annual combined taxes for 2024 are due in the amount of $1,183.26 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,239.09 which was applied for the due date of xx/xx/2024. The current P&I is $955.27 and the interest rate is 6.750%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,239.09 which was applied for the due date of xx/xx/2024. The current P&I is $955.27 and the interest rate is 6.750%. The current UPB is xx<br> No bankruptcy and foreclosure evidence has been found.<br> As per tape data, the subject property is owner occupied. <br> The collection comment dated xx/xx/2024 and xx/xx/2024 shows disaster impact. CCs do not show damage. <br> BWR haxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount and date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount and date. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $50.00. Final, CD dated xx reflects the sum of Section C and Recording fee at $60.00. This is a cumulative increase of $5.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan is not insurable due to the borrower qualifying with a work visa type R. BWR'xx<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88044340 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Massachusetts | xx | xx | No | No | Not Applicable | First |  | $0.00 | $8297.90 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3732.49 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 777 | Not Applicable | 41.794% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $8,297.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,096.08, which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,732.49 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $543,633.77. PH shows a large transaction in the amount of $15,661.42 on xx/xx/2024, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per the comments dated xx/xx/2024, these are the borrower's payments. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for the default is not available.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject is NOO and approved at 41.794%. The tape reflects an increased DTI of 46.637%. Further details not provided. Subject loan originated on xx/xx/2022. BWR has bexx<br> \* Property Marketability Issues (Lvl 3) "The tape shows FNMA disputes the appraised value of $xx. Tape reflects an appraised value of $xx. Further details not provided. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9815568 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5091.99 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1876.04 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 37.350% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual county taxes for 2024 are due in the amount of $5,091.99 on xx/xx/2024.<br> No prior delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,402.73, which was applied for the due date of xx/xx/2024. The current P&I is $1,876.04 with an interest rate of 7.125%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined from collection comments.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been SE foxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $13,218.55 exceeds fees threshold of $7,937.34 over by +$5,281.21. <br> The following fees were included in the test:<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Points - Loan Discount Fee paid by Borrower: $11,834.55<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Underwriting Fee paid by Borrower: $595.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $13,218.55 exceeds fees threshold of $7,937.34 over by +$5,281.21 <br> The following fees were included in the test:<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Points - Loan Discount Fee paid by Borrower: $11,834.55<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Underwriting Fee paid by Borrower: $595.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows FNMA disputes the appraised value of $xx. Further details not provided. Redfin search shows an estimated value of $xx. xxsearch shows an estimated value of $xx. Current UPB is $xx. Review of xx and the other sites show land only. Appraisal shows the new subject building included."<br> \* Property Marketability Issues (Lvl 3) "Tape and review of the appraisal report show that the subject property is a barndominium. xx search shows an estimated value of $xx. Realtor.com search shows an estimated value of $xx. Current UPB is $xx. Review of xx and the other sites show land only. Appraisal shows the new subject building included." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19485278 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11663.53 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2002.72 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 43.809% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated onxx No active judgments or liens have been found. Annual county taxes for the year 2024 are due on xx/xx/2025 in the amount of $11,663.53. Annual county taxes for the year 2023 were paid in the amount of $11,374.46 on xx/xx/2023. No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,534.13, which was applied for the due date of xx/xx/2025. The current P&I is $2,002.72 with an interest rate of 3.99%. The current UPB reflected as per payment history is xx | Collections Comments:As per the review of the collection comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per payment history is xx<br> Unable to determine the RFD. <br> The loan has not been modified since origination.<br> No foreclosure activity has been initiated.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br> As per the collection comment dated xx/xx/2024, the subject property is located in FEMA xx. CCs do not show any damage due to these disasters. <br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape shows the subject loan closed with PIW, and the subject property needed roof replacement. 1004D or inspection report addressing the roof replacement issue is missing from the loan documents." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 43.80%. The tape shows child support income used is not supported by proof of receipts for 6 moxxac. Further details not provided. Lender defect. The subject loan was originated on 10/xxnd the 3-year SOL is expired. BWR has 4.58 years on the job as a xx<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in xx reflects Lender credits at $7,480.00. Initial CD dated xx reflects Lender credits at $6,921.60. This is a decrease of $558.40 for a fee which has 0% tolerance test. Valid COC for xxng from the loan documents. The subject loan is a purchase case, originated on xx and the 1-year SOL is expired."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.809% as the borrower's income is $7,950.00 and total expenses are in the amount of $3,482.82 and the loan was underwritten by LP xx |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14390052 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $464.34 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1336.30 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 40.255% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,636.72 which was applied for the due date of xx/xx/2024. The current P&I is $1,336.30 and the interest rate is 7.875%. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,636.72 which was applied for the due date of xx/xx/2024. The current P&I is $1,336.30 and the interest rate is 7.875%. The current UPB is xx<br> No bankruptcy and foreclosure evidence has been found.<br> As per the tape data, the subject property is owner occupied. <br> No damage or repairs have been found. <br> BWR has 6.42xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45280327 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8979.80 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4452.73 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | Yes | 754 | 790 | 49.910% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens found.<br> The annual county taxes for 2023 were paid in the total amount of $7,726.41 on xx/xx/2023.<br> The annual county taxes for 2024 are dues in the total amount of $8,979.80.<br> No prior delinquent taxes have been found.<br>| As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,650.99, which was applied for the due date of xx/xx/2024. The current P&I is $4,452.73 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx | Collections Comments:As per the review of the collection comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> No foreclosure activity has been initiated. <br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has 8.25xx<br> BWR2 has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows TRID violation as closing disclosure with increased APR was delivered prior to 3-day waiting period from consummation date. Infinity compliance result shows the loan does not fail TRID delivery and timing tests. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $1,018,306.46. Calculated finance charge is xx for an under disclosed amount of -$147.19. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx and the 1 year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx reflects Points - Loan Discount Fee at xx Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at xx Initial loan estimate dated xx does not reflect Lock Extension Fee. Final CD dated xx reflects Lock Extension Fee at $125.82. This is a cumulative increase in fee of +$455.82 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx and the 1-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4756330 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10193.05 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4477.29 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 692 | 756 | 46.996% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for 2023/2024 were paid in the amount of $10,193.05.<br> No prior year's delinquent taxes have been found.<br>| According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,902.83 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,477.29 with an interest rate of 7.875%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,902.83 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,477.29 with an interest rate of 7.875%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> As per the comment dated xx/xx/2024, the subject property is located in the FEMA disaster area.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> Borrower has 2.25 years on xx<br> Co-borrower has 5.33 years on the joxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Rate Lock Fee. CD dated xx reflects Rate Lock Fee at $1,514.75. This is an increase in fee of +$1,514.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>Subject loan is a purchase, originated on xx and the SOL is 1 year.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx Initial LE dated xx reflects Lender Credit at $118.00, Final CD dated xx reflects Lender Credit at $0.00 This is decrease of +$118.00 for fee which has 0% tolerance test."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject property has an ADU, and the landlord education program was not completed by the BWR prior to closing. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47276638 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $980.38 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1834.45 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Commercial Prop | xx | xx | Primary | Yes | Yes | No | 806 | 763 | 32.467% | First | Short Form Policy | Not Applicable | Not Applicable | 03/xx/2024 | $137548.30 | Not Applicable | 5.990% | $831.40 | 05/xx/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> There is a UCC finance statement against the borrower in favor of xx<br> The annual combined taxes for 2024 are due in the amount of $980.38 on xx/xx/2024.<br> The annual combined taxes for 2023 were paid in the amount of $975.29 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,128.72 which was applied for the due date of xx/xx/2024. The current monthly P&I is $831.40 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx<br> PH shows large principal curtailment in the total amount of xx on xx/xx/2024. As per the servicing comment dated xx/xx/2024, borrower made large payment in the amount of xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner occupied.<br> No comments have been found stating the borrower's income was impacted by COVID-19.<br>BWR#1 has 4.66 years xx<br> BWR#2 has a post-closing employment with a start date xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $831.40 with a modified interest rate of 5.990% starting on xx and continuing until all amounts outstanding are paid in full. There is no deferred balance and principal forgiven amount. |  | xx | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) "Tape shows subject property is commercial and being used as an equestrian facility. Review of the appraisal report shows the subject property has a 12,000 sf barn with stalls, an ixx xx xx search shows an estimated value of $xx. Current UPB $xx. Elevated for client review." |  | \* The property type does not match the Appraisal Report (Lvl 2) "The home is affixed to the land. As per the appraisal report located at 1xxhe subject property is axx. The affidavit of affixation document is available in UT, located atxx, reflecting that the home is affixed permanently to the land with Serial no. Mxx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45228569 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | Second | XX | $0.00 | $5957.32 | 09/xx/2024 | xx | No | Dismissal | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1339.07 | 6.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | Not Applicable | 44.318% | First | Short Form Policy | Not Applicable | Not Applicable | 02/xx/2016 | $93750.00 | $21000.00 | 4.375% | $321.23 | 04/xx/2016 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There are 5 certificates of tax sale against the subject property. As per the tax sale certificate located at xx<br> There is an HOA lien found against the subject property in favor ofxx. <br> There is an HOA lien in favor of xx for the amount of $275.00 recorded on xx. The borrower name and situs address are inconsistent on the supporting document. <br> There is a UCC lien against the property in favor ofxx<br> There is a prior state tax lien in favor of xx. The borrower name is inconsistent on the supporting document.<br> There are 2 civil judgments against the borrower in favor ofxx<br> There are 8 civil judgments in favor of multiple plaintiffs for the total amount of $23,374.12 recorded on different dates. The borrower name is inconsistent on the supporting documents.<br> The first and second installments of town taxes for 2025 are due in the amount of $2,978.66 on xx/xx/2025 and xx/xx/2025.<br> The first, second, third and fourth installments of town taxes for 2024 were paid in the amount of $5,957.31.<br> The annual utilities/MUD taxes for 2024 were paid in the amount of $127.50.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $925.79 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $321.23 and the interest rate is 4.375%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx <br> The loan has been modified on xx/xx/2016 with the new principal balance of xx <br> The foreclosure was initiated in 2023. As per the lis pendency located at "xx As per the release of lis pendency located at "xx9," the complaint was cancelled. As per the comment dated xx/xx/2024, the foreclosure was dismissed due to the loan reinstatement. <br> As per the comment dated xx/xx/2024, the reason for default is loss of income.<br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> The borrowers "xx<br> As per the BPO (xx) report dated xx/xx/2024, the subject property condition is older home. The property needs repairs. CCs do not show damage. Unable to confirm whether the repairs have been completed or not.<br>Foreclosure Comments:The foreclosure was initiated in 2023. As per the lis pendency located at "xx," the complaint was filed on xx/xx/2024. As per the release of lis pendency located at "xx," the complaint was cancelled. As per the comment dated xx/xx/2024, the foreclosure was dismissed due to the loan reinstatement. <br> Bankruptcy Comments:The borrowers "xx. The POC was filed on xx and the arrearage amount is $839.07. The chapter 13 plan was filed on xx The modified chapter 13 was filed on xx The debtor has promised to pay the trustee in the amount of $380.00 for 34 months. The schedule D of voluntary petition shows that the amount of claim without deducting the value of the collateral is $70,046.88 and the value of the collateral is $116,000.00. The unsecured portion is $0.00. The chapter 13 plan was converted to chapter 7 on xx The chapter 13 trustee's final report was filed on xx/xx/2020. The notice of abandonment was filed for the subject property on xx and the order has not been granted. The debtor was discharged on xx and the case was terminated on xx | The modification agreement was made on xx between the borrower xx and the interest bearing principal balance is xx The borrower agreed to pay the P&I of $321.23 and an interest rate of 4.375% beginning onxx | Final Truth in Lending Discl.<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the prohibited fees test (Nxx<br> Application Fee paid by Borrower: $200.00<br> Lender Closing Fee paid by Borrower: $619.00."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL signed by the borrower is missing from the loan documents."<br> \* Not all borrowers signed TIL (Lvl 2) "TIL is not hand signed by the borrower."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of rescission is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2) "TIL is not hand dated by the borrower." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34199967 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $1326.45 | $2360.79 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 13.250% | 180 |  | xx | xx |  | HELOC | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There are 4 civil judgments against borrower xx<br> The annual combined taxes of the year for 2024 are due in the amount of $2,360.79 on xx/xx/2025.<br> The annual combined taxes of the year for 2022 are paid in the amount of $1,079.87 on xx/xx/2023.<br> Combined annual taxes for 2023 are delinquent in the amount of $1,326.45, due on xx/xx/2024 and good through xx/xx/2024. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $301.04 which was applied for the due date of xx/xx/2024. The current P&I is $230.29 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> As per the comment dated xx/xx/2023, the reason for default is illness of borrower.<br> As per the tape data the subject property is owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Credit Report<br> Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan document."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the grace period test due to the loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final truth in lending is missing from the loan document."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2) "Missing HELOC disclosure (RESPA)" |  | Moderate | Not Covered | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1869649 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $367.87 | $3110.18 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1138.59 | 10.690% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | Second | Final policy | XX | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2025 have been paid in the total amount of $3,110.18 on xx/xx/2024 and xx/xx/2024.<br> The annual county taxes for 2024 have been delinquent in the amount of $367.87 and good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,051.50 which was applied for the due date of xx/xx/2024. The current P&I is $1,051.50 and the interest rate is 9.790%. The current UPB is xx As per tape data, the deferred balance is $7,147.13. <br> PH shows multiple transactions were made in the total amount of $28,301.50 on different transaction dates. CC shows these are BWR payments. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,051.50 which was applied for the due date of xx/xx/2024. The current P&I is $1,051.50 and the interest rate is 9.790%. The current UPB is xx As per tape data, the deferred balance is $7,147.13. <br> No bankruptcy and foreclosure evidence has been found.<br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is conventional fixed rate mortgage that originated with P&I of $1,138.59 and an interest rate of 10.69%. As per the payment history as of 11/xx/2024, the current P&I is $1,051.50 and the interest rate is 9.790%. There is a difference in P&I and interest rate with respect to original note data. The modification agreement is missing from the loan file. | Credit Application<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application is missing from the loan documents."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA Finance Charge test due to calculated finance charge of $217,396.46 exceeds disclosed finance charge of $288,844.91 for an under disclosed amount of - xx<br>Loan failed TILA Foreclosure Rescission Finance charge of $217,396.46 exceeds disclosed finance charge of $288,809.91 for an under disclosed amount of -$71,413.45.<br>Loan failed TILA APR test due to APR calculated 9.186% exceeds APR threshold 10.845% under disclosed by -1.659%." |  | Moderate | Pass | Fail | No Result | Pass | Not Covered | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15343991 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1343.23 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $319.99 | 13.790% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> There is an active prior mortgage against the subject property in favor ofxx<br> The 2024 county annual taxes are due in the amount of $1,343.23 on xx/xx/2025.<br> The 2023 county annual taxes were paid in the amount of $1,221.70 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $273.95, which was applied for the due date of xx/xx/2024. The current monthly P&I is $273.95 with an interest rate of 10.790%. The current UPB reflected as per the payment history is $4,423.74 and deferred balance is $2,051.04. As per the document located atxx, the borrower is making a payment in the amount of 10.79000% with an interest rate of $273.95. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $4,423.74 and deferred balance is $2,051.04.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under Chapter 7 with case xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined from.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx The reaffirmation agreement was filed on xx As per the voluntary petition schedule D xx 1), the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is xx this amount based upon the existence of superior liens. The bankruptcy was discharged on xx and terminated on xx | Not Applicable | Credit Application<br> Credit Report<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application signed by the borrower is missing from the loan documents."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test due to APR calculated 13.212% exceeds APR threshold 14.698% under disclosed by -1.486%."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "The prepayment rider is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18451842 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | Yes | Yes | Not Applicable | First |  | $1126.58 | $973.33 | 10/xx/2024 | Not Applicable | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $485.41 | 10.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 04/xx/2019 | $46519.04 | $856.78 | 7.750% | $315.05 | 05/xx/2019 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were due on xx/xx/2024 in the amount of $973.33.<br> The annual combined taxes for 2023 were delinquent in the amount of $1,126.58 with a good-through date of xx/xx/2024. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $573.69 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $315.05 with an interest rate of 7.750%. The current UPB is xx<br> As per the deferral agreement located at "xx" the amount of $1,171.83 has been deferred. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> The RFD is unable to be determined. <br> As per the comment dated xx/xx/2024, the foreclosure was initiated on xx/xx/2024. The comment dated xx/xx/2024 shows that FC was closed as the loan was reinstated. <br> The BWR filed the bankruptcy under xx 7 on xx with case #7-xx The BK was discharged on xx and terminated on xx<br> The loan was modified between the BWR and lender on xx/xx/2019.<br> No evidence of damage or repair has been found.<br> As per the tape, the subject property is owner-occupied. <br>Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated on xx The comment dated xx shows that FC was closed as the loan was reinstated. <br> Bankruptcy Comments:The BWR filed the bankruptcy under chapter 7 on xx with xx s per the voluntary petition, xx | The loan was modified between the borrower and lender on xx As per this modification agreement, the new principal balance is xx and the borrower promised to pay principal and interest in the amount of $315.05 at a rate of 7.750% beginning on xx According to this agreement, the new maturity date will be xx There is a deferred balance in the amount of $856.78 with an interest-bearing amount of $45,662.26. The modification agreement contains a balloon provision in the amount of xx | Credit Application<br> Credit Report<br> Final Truth in Lending Discl. | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application signed by the borrower is missing from the loan documents."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test due to calculated finance charge of $96,775.34 exceeds disclosed finance charge of $125,550.39 for an under disclosed amount of - xx <br>Loan failed TILA foreclosure rescission finance charge of $96,775.34 exceeds disclosed finance charge of $125,515.39 for an under disclosed amount of - xx<br>Loan failed TILA APR test due to APR calculated 9.906% exceeds APR threshold 11.452% under disclosed by -1.546%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL signed by the borrower is missing in the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53436338 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $1587.28 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | 14.090% | 180 |  | xx | xx |  | HELOC | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Second | Unavailable | XX | Not Applicable | Unavailable | Unavailable | Unavailable | 14.090% | $190.58 | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> Annual combined taxes for 2023 were paid in the amount of $1,064.64 on xx/xx/2023.<br> Annual personal taxes for 2024 are due on xx/xx/2025 in the total amount of $21.46.<br> Annual combined taxes for 2024 are due on xx/xx/2025 in the amount of $1,587.28.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $190.58, which was applied for the due date of xx/xx/2024. The current monthly P&I is $190.58. The current UPB reflected as per the payment history is $8,591.34 and deferred balance is $1,108.40. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx and the deferred balance is $1,108.40.<br> As per the tape data, the loan was modified on xx/xx/2010.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a HELOC mortgage with the rate of interest 14.09% and a maturity date of xx The P&I, as per payment history, is $190.58. As per tape data, the loan was modified on xx The loan modification agreement is missing from the loan file. | Credit Application<br> Credit Report<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Application Missing (Lvl 2) "Final application signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 82773140 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | Second |  | $10601.82 | $4838.76 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $519.18 | 13.500% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | 653 | 48.911% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> There is an active prior mortgage against the subject property in favor of xx<br> The annual county taxes for 2023 and 2024 were delinquent in the total amount of xx<br> The annual county taxes for 2022 were paid in the amount of $4,234.34 on xx/xx/2022. | According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $519.18 which was applied for the due date of xx/xx/2024. The current monthly P&I is $519.18 with an interest rate of 13.500%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $5,782.80. <br> The reason for default is not available in the latest servicing comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx. As per voluntary petition schedule D (Doc#1), there is an unsecured portion of $41,608.57 with respect to the value of collateral ofxx for the secured claim amount of $41,791.45, and the amount of arrearage is $548.26. The chapter 13 (Doc #4) plan was filed on xx The borrower has promised to make monthly mortgage payments of $519.18 for 60 months to the trustee under the chapter 13 plan. The plan reflects arrearage for subject loan totals $5,177.45. The bankruptcy was dxx0. | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8746351 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2852.26 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1095.65 | 5.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 608 | Not Applicable | 42.734% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for 2024 are paid in the amount of $2,852.26 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,571.96, which was applied for the due date of xx/xx/2024. The current P&I is $1,095.65 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> Unable to determine the current occupancy of the subject property.<br> As per the seller's tape data the subject property is in disaster declared area. The disaster was declared on xx forxx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 4.10 years on the joxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Mortgage Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The tape shows an appraisal report was not ordered for the new case number. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated cc reflects the sum of Section C fees and Recording fee at $1,178.00. CD dated cc reflects the sum of Section C and Recording fee at $1,346.96. This is a cumulative increase of $51.16 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2023 and 3-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,267.64. Exceeds Fees threshold of $5,758.60 Over by +$2509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65 <br> Loan fails QM lending points and fees test due to fees charged $8,267.64. Exceeds fees threshold of $5,758.60 Over by +$2509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65"<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from the loan documents."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance is missing from the loan documents."<br> \* Rebuttable Presumption - defined by loan findings (Lvl 3) "Loan fails QM Rebuttable presumption test due to Fees charged $8,267.64. Exceeds fees threshold of $5,758.60 over by +$2,509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65" | \* Compliance Testing (Lvl 2) "Loan failed FHA qualified mortgage safe harbor threshold test due to APR calculated 6.290% exceeds APR threshold of 8.314% over by +2.024%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30873446 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9208.60 | 09/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3015.76 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 779 | 773 | 39.016% | First | Final policy | Not Applicable | Not Applicable | 10/xx/2023 | $682332.87 | Not Applicable | 3.125% | $2492.06 | 10/xx/2023 | Financial Hardship | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The annual combined and school taxes for 2024 were paid in the amount of $9,208.60 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,252.77, which was applied for the due date of xx/xx/2024. The current P&I is $2,492.06 with an interest rate of 3.125%. The current UPB is not available in the latest PH. As per the tape as of xx/xx/2024, the current UPB is xx | Collections Comments:The current status is collection. <br> According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,252.77, which was applied for the due date of xx/xx/2024. The current P&I is $2,492.06 with an interest rate of 3.125%. As per the tape, the current UPB is xx<br> As per the comment dated xx/xx/2024, the RFD is curtailment of income.<br> The loan was modified between the borrower and lender on xx/xx/2023.<br> No foreclosure activity has been found.<br> As per the tape, the subject property is located in a FEMA disaster area, and severe storms and flooding were declared on xx/xx/2023. CCs do not show damages. <br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied. <br> The COVID-19 attestation is available atxx<br> BWR has 6 years on the job axx<br> BWR2 has 11 years on the job as axx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and lender on xx As per this modification agreement, the new principal balance is xx and the borrower promised to pay principal and interest in the amount of $2,492.06 at a rate of 3.125% beginning on xx According to this agreement, the new maturity date will be xx There is no deferred or forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 45%. Tape shows income miscalculation over BWR's fluctuating income. Tape shows asset shortfall due to missing supporting documents for gift and EMD. Bank statement in the file shows $8,835 in assets, a copy of checks for EMD $xx, and a gift letter supporting $xx, and the cash-to-close requirement is $xx. Further details not provided. Lender defect. The subjectxx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $1,821.00. CD dated xx reflects the sum of Section C and Recording fee at $5,788.69. This is a cumulative increase of +$3,785.59 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount Fee. CD dated xx reflects Points - Loan Discount Fee at $499.84. This is an increase in fee of +$499.84 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired.<br>violation due to decrease in lender credit on Closing Disclosure dated xx Initial LE dated xx reflects lender credit at $1,984.00. Final CD dated xx reflects lender credit at $1,760.00. This is decrease of -$224.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68759559 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12357.24 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1051.06 | 6.575% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 9.855% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $7,948.67 on xx/xx/2024.<br> The annual school taxes for 2024 were paid in the amount of $4,408.57 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,778.98 which was applied for the due date of xx/xx/2024.The current monthly P&I is $1,051.06 with an interest rate of 6.575%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> BWR has 4.08 years onxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. The tape indicates that the property is NOO due to currently being listed for rent. Further details were not provided. Elevated for client review." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan closed without an appraisal. PIW disclosure is missing from the loan file. cc search shows an estimated value of $xx. Current UPB is $xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 9.85%. Tape shows subject is NOO due to BWR renting out the property, causing the lender to omit the prior housing expense. Subject originated on xx and the 3-year SOL is active. BWR has 4.08 years on thxx |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71692151 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $401.75 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1212.63 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 756 | Not Applicable | 45.556% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> No active liens and judgments have been found.<br> The annual county taxes for 2024 were paid in the amount of $410.08 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. Unable to determine the last transaction details. The current P&I is $1,212.63 with an interest rate of 7.125%. The current UPB reflected as per the payment history tape is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history tape is xx<br> Unable to determine the RFD.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> Unable to determine the current condition and occupancy of the subject property. <br> BWR has xx between xx/xx/2008 andxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 45.55%. Tape shows lender did not establish ATR as BWR used 2 SSNs and lender omitted xx obligation. <br> Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active.xx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects the sum of section C and recording fee at $1,350.00. Post CD dated xx/xx/2024 reflects the sum of section C and recording fee at $1,681.50. This is a cumulative increase of $331.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year active."<br> \* Loan does not conform to program guidelines (Lvl 3) "The social security number (SSN) reflected on the W-2s does not belong to the borrower, and it appears the SSN belonged to a family member and was used for employment purposes."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84328203 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2511.42 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1346.58 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 645 | Not Applicable | 46.291% | First | Short Form Policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a junior mortgage that was originated on xx and recorded on xx with the xx<br> The first and second installments of county taxes for 2024 were paid in the amount of $2,511.42.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,805.38, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,346.58, and the interest rate is 7.250%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The unpaid principal balance is xx<br> The loan has not been modified. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 3 months on the job as an xx<br> Previously, BWR has 1.91 years on the jobxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan was repurchased as the BWR's FICO score of 660 does not meet the minimum credit score requirement of the investor guidelines. Further details not provided."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "The affiliated business disclosure is missing from loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TRID total of payments test due to calculated total of payments test of xx exceeds disclosed total of payments test of $513,198.52 over by -$225.55."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx does not reflect Loan Origination Fee. xx<br> Loan estimate dated xx reflects Appraisal Fee at $600.00. Cxx<br> This is a cumulative increase in fee of $2010.00 for charges that cannot increxx<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9829606 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1708.17 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 753 | Not Applicable | 27.274% | First | Unavailable | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The annual county taxes for 2024 have been exempt on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $1,748.09, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,708.17 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 6.25 years on the job as an assocxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows additional information regarding a spouse's income is required to determine the program's eligibility. The household income exceeds the maximum income limit for IRS compliance eligibility; the income provided for the spouse equates to an annual income of $223,909.00, which exceeds the allowable limit of $205,520.00. Further details not provided. BWR hxx<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3) "The title defect of an UT report dated xx shows that the property is a unit in a co-operative. The subject loan originated on xx/xx/2023 with a maturity date of xxx As per the lease agreement located at 40xx | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Home loan toolkit is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83570604 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3030.63 | 6.625% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 623 | 642 | 28.669% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a prior mechanic's lien active against the subject borrower in the amount of $28,112.90 in favor of "xx<br> There is a prior hospital lien active against the subject borrower in favor of "xx<br> There is a junior hospital lien active against the subject borrower in favor of "xx<br> The annual combined taxes for 2024 are exempt.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,343.92 which was applied for the due date of xx/xx/2024. The current P&I is $3,030.63 and the interest rate is 6.625%. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,343.92 which was applied for the due date of xx/xx/2024. The current P&I is $3,030.63 and the interest rate is 6.625%. The current UPB is xx <br> No bankruptcy and foreclosure evidence has been found.<br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br> BWR1 receives rxx<br> BWR2 receives socialxx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) "Home equity loan copies of documents are missing from the loan file."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation is missing from the loan file."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows loan does not xx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81450956 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5220.26 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1903.83 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 746 | Not Applicable | 26.803% | First | Final policy | Not Applicable | Not Applicable | 04/xx/2022 | $428324.58 | Not Applicable | 3.125% | $1564.35 | 04/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for the year 2024/2025 are due on xx/xx/2024 and xx/xx/2025 in the total amount of $5,220.26.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,348.81, which was applied for the due date of xx/xx/2024. The current P&I is $1,564.35 with an interest rate of 3.125%. The current UPB reflected as per payment history is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> The loan was modified on xx/xx/2022.<br> No information has been found related to damage or repairs.<br> As per servicing comments dated xx/xx/2023, the subject property has been occupied by the owner.<br> BWR has 3 months xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $1,564.35 with a modified interest rate of 3.125% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD dated xx reflects escrow holdback in the amount of xx Proof for release of escrow holdback is missing from the loan documents." | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan does not meet loan program requirements for a renovation loan. 1004D showing repairs are completed is available in the loan documents. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2020 reflects cash to in the amount of $1,516.16."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 Appraisal Fee at $675.00. CD dated xx/xx/2020 Appraisal Fee at $1,299.00. This is an increase in fee of $624.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated xx Initial LE dated xx reflects lender credit at $3,711.00. Revised CD dated xx reflects lender credit at $3,075.82. This is decrease of $635.18 for fee which has 0% tolerance test. Valid COC for the decrease is missing from the loan documents.<br>The subject loan is a purchase, originated on xx and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16424200 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alaska | xx | xx | xx | Idaho | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2864.21 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2251.89 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 776 | 794 | 49.895% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The county taxes for 2024 (1st and 2nd installments) were paid on xx/xx/2024 and xx/xx/2024 in the total amount of $2,864.21.<br> No prior year's delinquent taxes have been found.<br> The subject mortgage was re-recorded on xx/xx/2024 to correct the BWR (Rebecca's) name. | The loan was originated on xx/xx/2024 with a first payment date of xx/xx/2024. As per the payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $2,251.89 with an interest rate of 5.99%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/2024 with a first payment date of xx/xx/2024. As per the payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current UPB is xx <br> No foreclosure activity has been found in the loan files. <br> No evidence of damage or repair has been found in the loan files.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 4 months on thexx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.89%. Tape shows subject loan is closed as an escrowed loan, and the lender did not to include RE taxes in PITI. Revised DTI is 61.35%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 4 months on the job as xx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does reflect Points - Loan Discount Fee at $1,791.00. CD dated xx reflects Points - Loan Discount Fee at $4,918.92. This is an increase in fee of +$3,127.92 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx and the 1-year SOL is active.<br>TRID Violation due to decrease in Lender Credit on Initial LE dated xx reflects $1,023.00. Initial CD dated xx reflects Lender Credit at $2,069.36, Final CD dated reflects Lender Credit at $0.00 This is decrease of $888.00 for fee which has 0% tolerance test."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4372439 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1964.20 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $550.63 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 737 | 682 | 44.310% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a prior credit card judgment found against the borrower in favor of "xx<br> The 1st and 2nd installments of county taxes for 2025 are due in the total amount of $982.10 on xx/xx/2025.<br> The 1st, 2nd, 3rd, and 4th installments of county taxes for 2024 were paid in the total amount of $1,964.19.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $550.63. The UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $550.63. The UPB reflected as per the payment history is xx <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> The appraisal report reflects as is conditions. Photo addendum shows soap dish broken off and carpet removed. Estimated cost to cure is not available in the loan file. CCs do not show damage.<br> BWR1 rexx<br> BWR2 rxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing Dicsloures | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 44%. The tape and file shows SSI award letter is not legible. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR1 and BWR2 receive social security income, FICO 684, 0X30 inception, and $xx equity in the subject." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report reflects as is conditions. Photo addendum shows soap dish broken off and carpet removed. Estimated cost to cure is not available in the loan file. 1004D is missing from the loan file and final CD does not reflect escrow holdback amount."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> CPL paid by Borrower: $75.00<br> HoA Dues paid by Borrower: $1,560.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape and appraisal report show the subject is a condotel. The subject property is a unit at the xx project, located in the city of xx, and has amenities such as a reception desk, gym, pool, library, and game room. Further details not provided. xx search shows an estimated value of $xx. Current UPB is $xx."<br> \* Missing Required Disclosures (Lvl 3) "Your home loan toolkit is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13660688 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $2528.32 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1258.61 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 807 | Not Applicable | 18.878% | First | Short Form Policy | Not Applicable | Not Applicable | 01/xx/2024 | $224069.77 | Not Applicable | 7.125% | $1436.61 | 03/xx/2024 | Financial Hardship | As per the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> There is a junior partial claim mortgage against the subject property that was originated onxx<br> The first and second installments of county taxes for 2024 were paid in the amount of $2528.32.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,767.49, which was applied for the due date of xx/xx/2024. The current P&I is $1,436.61 with an interest rate of 7.125%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,767.49, which was applied for the due date of xx/xx/2024. The current P&I is $1,436.61 with an interest rate of 7.125%. The UPB is xx <br> The reason for default is unable to be determined. <br> The loan was modified between the lender and borrower on xx/xx/2024.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 4.4 xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the lender and borrower on xx As per the modification agreement, the new principal balance was xx The borrower promises to pay monthly P&I in the amount of $1,436.61 with an interest rate of 7.125% beginning on xx new maturity datexx | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) ""The seller's tape defect shows that the loan was modified, and the deferred balance is in the amount of xx Further details were not provided. As per the modification agreement dated xx there is no deferred amount. Per UT there is a partial claim mortgage in the same amount of xx that was made on same date xx | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "Compliance ease TRID tolerance test is incomplete due to initial CD is missing from loan documents. Subject loan is refinance case, originated on xx and the 3-years SOL has expired."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial closing disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17767574 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $5310.23 | 10/xx/2024 | xx | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1260.35 | 2.750% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 628 | Not Applicable | 24.264% | First | Final policy | Not Applicable | Not Applicable | 02/xx/2024 | $260321.62 | Not Applicable | 7.250% | $1693.86 | 05/xx/2024 | Financial Hardship | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a junior partial claim mortgage against the subject property in favor of thexx<br> The annual county taxes for 2023 were paid in the amount of $5,409.65 on xx/xx/2023.<br> The annual county taxes for 2024 are due in the amount of $5,310.23 on xx/xx/2025.<br> No prior delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,626.74 which was applied for the due date of xx/xx/2024. The current P&I is $1,693.86 with an interest rate of 7.250%. The current UPB reflected as per payment history is xx | Collections Comments:As per the review of the collection comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> The RFD is not available in the collection comments.<br> The loan was modified on xx/xx/2024 with the principal balance of $260,321.62.<br> As per the review of the document located at "xx8," the notice of lis pendens wasxx pendens document located at "Lxx" the foreclosure file was canceled on xx/xx/2024. Further details are not provided.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> No post-close bankruptcy record has been found.<br> BWR has 4 years 5 month on the job as xx<br>Foreclosure Comments:As per the review of the documxx<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is xx The monthly P&I is $1,693.86 with an interest rate of 7.250% beginning on xx and xx |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows Ginnie Mae modification to 40 year term. The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is $260,321.62. The monthly P&I is $1,693.86 with an interest rate of 7.250% beginning on xx and a maturity date of xx | \* Cash out purchase (Lvl 2) "Subject is purchase case. Final CD reflects cash to in the amount of xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does reflect Points - Loan Discount Fee at xx CD dated xx reflects Points - Loan Discount Fee at $6,174.56. This is an increase in fee of +$3,859.56 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38797265 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2104.42 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $596.71 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 810 | 809 | 30.555% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx No active liens and judgments have been found. The 2nd installment of county taxes for 2024 is due in the total amount of $1,052.21 on xx/xx/2025. The 1st installment of county taxes for 2024 was paid in the amount of $1,052.21 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $824.53 which was applied for the due date of xx/xx/2024. The current monthly P&I is $596.71 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx The reason for default is not available in the latest servicing comments. No evidence has been found regarding the current or prior foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. As per the tape data, the subject property is owner-occupied. BWR receives SSI and pension income. Bxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Hazard Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search reflects an estimated value of $xx. The current UPB is $xx."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows that loan closed with the incorrect interest rate as intended/disclosed internally (at a lower rate). Review of loan file shows subject closed with a note rate of 6.750%. Further details not provided." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD reflects cash to in the amount of xx<br> \* Missing proof of hazard insurance (Lvl 2) "Evidence of hazard insurance is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17822296 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4424.91 | 09/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1397.58 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | 676 | 47.190% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The annual county taxes for 2024 are due in the amount of $4,424.91 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $3,209.13 on xx/xx/2023.<br> No prior year's delinquent taxes have been found.<br>| As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,969.44 which was applied for the due date of xx/xx/2024. The current P&I is $1,397.58 with an interest rate of 7.375%. The current UPB reflected as per payment history is xx | Collections Comments:As per the review of the collection comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per payment history is xx<br> Unable to determine RFD.<br> The loan has not been modified since origination.<br> No foreclosure activity has been initiated.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has 5 years on the jxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 47.19%. The tape shows the investor was not able to determine BWR's future employment/income. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 5 years xx. BWxxBWR2 had 3 months on the xx<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD dated xx/xx/2023 reflects escrow holdback in the amount of $14,512. Proof for release of escrow holdback is missing from the loan documents." | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,608.90 Exceeds Fees threshold of $5,809.29 Over by +$799.61. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $293.00<br> Lender Fee paid by Borrower: $430.00<br> Points - Loan Discount Fee paid by Borrower: $4,985.90<br> Processing Fee paid by Borrower: $650.00<br> Underwriting Fee paid by Borrower: $250.00<br>Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $6,608.90 Exceeds Fees threshold of $5,809.29 Over by +$799.61. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $293.00<br> Lender Fee paid by Borrower: $430.00<br> Points - Loan Discount Fee paid by Borrower: $4,985.90<br> Processing Fee paid by Borrower: $650.00<br> Underwriting Fee paid by Borrower: $250.00" | \* Compliance Testing (Lvl 2) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.513% Exceeds APR threshold of 8.410% Over By +0.103%. Subject loan is escrowed."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/2023 reflects Appraisal Re-Inspection Fee at $150.00. This is an cumulative increase of $150.00 for charges that cannot increase. Valid COC for the increase in fee is available; COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.597% exceeds APR threshold of 8.410% over by +0.187%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock provided expired on xx/xx/2023 and the loan closed on xx No lock extension found." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76334320 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $19026.28 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4952.60 | 5.950% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 731 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a water/sewer lien against the subject property in favor of "xx<br> There is a city lien against the subject property in favor of the "xx<br> The county taxes for 2024-2025 (1st and 2nd installments) are due on xx/xx/2024 and xx/xx/2025 in the total amount of $19,026.28.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,812.10, which was applied for the due date of xx/xx/2024. The current P&I is $4,952.60 with an interest rate of 5.950%. The current UPB is xx <br> As per the PH dated xx/xx/2020 and tape data, there is a deferred balance in the amount of xx | Collections Comments:The current status of the loan is performing. <br> As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,812.10, which was applied for the due date of xx/xx/2024. The current P&I is $4,952.60 with an interest rate of 5.950%. The current UPB is xx <br> As per the comment dated xx/xx/2022, the borrower's income was impacted by the COVID. No comments have been found regarding the FB plan. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR employment details are not available. The subjxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "As per the review of the updated title report dated xx the subject mortgage was originated on xx/xx/2019 by "xx was not on the loan application and signed all of the closing docs." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25970676 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3267.24 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1807.41 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 23.802% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a junior mortgage that was originated on xx<br> The first installment of county taxes for 2024 was paid in the amount of $1,633.62 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of $1,633.62 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,156.01 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,807.41 and the interest rate is 4.375%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE foxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 23.80%. Tape shows lender did not document 2018 business tax return and K-1. Revised DTI is 26.36%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is expired. BWR has been SE for 10 years at xx, FICO 757, 0X30 in the last 24 months, and $xx equity in the subject, $7,731 residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67574792 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4488.54 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $899.33 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 811 | Not Applicable | 13.054% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a prior credit card judgment against the borrower in favor of xx<br> The annual county taxes for 2023 were paid in the amount of $4,500.60.<br> The annual county taxes for 2024 are due in the amount of $4,309.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,599.23 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $899.33 and the interest rate is 3.875%.<br> PH shows a large payment of $6,000.00 in March-23 and $9,995.98 in Apr-23. CC dated xx/xx/2023 and xx/xx/2023 shows the same amount paid by BWR.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has bxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "The tape and review of the loan documents show the subject condo project is involved in litigation with the construction company over negligent and defective construction of the condo project, specifically related to the installation of the balcony railing. The engineer's inspection concluded that the railing posts are not in conformance with the building design. Elevated for client review." | \* Loan does not conform to program guidelines (Lvl 3) "The subject is OO, and the tape and review of the appraisal report show the subject property at the time of appraisal was rented with the lease expiring on xx which is after 5 months of closing. Further details not provided." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17983465 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6295.10 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5145.51 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | Yes | 750 | 809 | 36.598% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx. The subject mortgage was re-recorded on xx<br> No active judgments or liens found.<br> The annual county taxes for 2024 are due in the amount of $6,295.10 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $6,097.68 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,145.51 which was applied for the due date of xx/xx/2024. The current monthly P&I is $5,145.51 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is a second home.<br> As per the collection comment dated xx/xx/2024, the FEMA disaster was declared on xx/xx/2024 for xx. CCs do not show damages.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br>BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial LE<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the TRID disclosure delivery date validation test due to the revised closing disclosure date is on a loan estimate delivery date."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate dated xx and electronically signed on xx and the initial closing disclosure dated xx and electronically signed on xx which is the delivery date on the initial closing disclosure delivery date."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete as the initial LE is missing from loan documents. The subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* LE/CD Issue date test Fail (Lvl 3) "Tape and review of the loan document show that the revised LE and CD dated xx were issued the same day. Further details not provided. The subject loan is a purchase transactixx<br> \* Missing Initial LE (Lvl 3) "Initial loan estimate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57980477 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4744.11 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $939.50 | 7.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the amount of $4,744.11 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $1,545.65, which was applied for the due date of xx/xx/2024. The current monthly P&I is $939.50 with an interest rate of 7.999%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The current UPB reflected as per the payment history is xx<br> No details have been found for foreclosure and bankruptcy.<br> Unable to determine the current occupancy of subject property.<br> As per the collection comment dated xx/xx/2024, the FEMA disaster was declared on xx/xx/2024 for Illinois severe storms, tornadoes, straight-line winds, and flooding. CCs do not show damages.<br>BWR employment dexx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO. Tape shows BWR is xx |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2227988 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5939.69 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1263.79 | 7.999% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023-2024 were paid in the total amount of $5,939.69 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,042.61, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,263.79 with an interest rate of 7.999%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,042.61, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,263.79 with an interest rate of 7.999%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> As per the comment dated xx/xx/2024, the subject property is located in the FEMA disaster area. CCs do not show damages.<br> BWR employmenxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Missing Dicsloures | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO. Tape shows BWR is xx<br> \* Missing credit report (Lvl 3) "The credit report is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "The operating income statement and rent schedule are missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17421034 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3712.94 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3225.47 | 8.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 19.110% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2025 were due in the amount of $3,712.94 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,708.47 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,225.47 with an interest rate of 8.750%.The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,708.47 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,225.47 with an interest rate of 8.750%.The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has been SE for 5.xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject approved at 19.11%. Tape and file show BWR approved using bank statements with excessive amounts of NSFs. LOX in file shows BWR and restaurant had 26 NFSs over 12 months due to fluctuating restaurant income, payroll and operations. BWR has been SE for 5.25 yexx0X30 since inception, and $xx equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (xxThe subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13103267 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9259.84 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1323.02 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 735 | Not Applicable | 21.897% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is a UCC lien against the subject property in favor of xx<br> There is a child support lien againstxx, and the amount of the lien is unavailable. The SSN mentioned on the supportive document is inconsistent with the borrower's SSN. <br> The 1st and 2nd installments of county taxes for 2024/2025 are due in the total amount of $9,259.84.<br> No prior delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,291.72, which was applied for the due date of xx/xx/2024. The current P&I is $1,323.02 with an interest rate of 4.875%. The UPB is xx | Collections Comments:According to the service comment, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The UPB is xx<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No damages were reported.<br> Unable to determine the current occupancy of the subject property.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject is NOO and was approved at 21.89%. The tape shows rental income miscalculation as the supporting documents of the REO are missing. The revised DTI is 62.04%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has been SE xx months, $xx equity in the subject, and $11,646.12 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34418502 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4173.79 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $733.95 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | Yes | 681 | Not Applicable | 20.472% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of $4,173.79 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $3,812.15 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $894.53 which was applied for the due date of xx/xx/2024. The current monthly P&I is $733.95 with an interest rate of 4.375%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the property occupancy is stated as tenant occupied.<br> BWR has been xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is a NOO and was approved at 20.47%. The tape shows rental income miscalculation due to missing supporting documents of xx The revised DTI is 62.04%. Further details not provided. Lender defect. The subject loan originated on xx and the xxE for xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83011583 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Rhode Island | xx | xx | xx | Rhode Island | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15289.47 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3683.34 | 4.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 11.236% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024-2025 were paid in the total amount of $7,644.72 on xx/xx/2024 and xx/xx/2024.<br> The 3rd and 4th installments of county taxes for 2024-2025 are due in the total amount of $7,644.75 on xx/xx/2025 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,733.07 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,683.34 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> As per tape data, the occupancy of the subject property is owner-occupied.<br> As per collection comment dated xx/xx/2024, the FEMA disaster was declared from xx/xx/2024, xx. No information has been found related to damage or repairs.<br> BWR has been xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "The tape shows deposits not sourced, and the bank statement does not have activity of 30-consecutive days. EMD of $xx submitted in the final CD is not sourced. Bank statement in file, which includes a gift of $xx, shows $xx; cash to close the requirement is $xx. Further details were not provided. The subject loan originated on xx/xx/2021. BWR has been SE for 22.66 years at xx | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 11.236%. Tape shows the lender omitted mortgage debt owned by BWR's business without supporting documents. The revised DTI is 13.28%. Lender defect. Further details not provided. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 22.66 years at xx, FICO 731, 0X30 last 24 months, $xx equity in the subject, and $xx residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63828791 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6769.31 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1251.95 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 750 | 782 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for the year 2024 are due in the amount of $6,498.54 on xx/xx/2024.<br> The annual county taxes for the year 2023 have been paid in the amount of $5,902.48 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,348.57 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,251.95 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> As per the comment dated xx/xx/2024, the FEMA disaster was declared due to xx on xx/xx/2024. CCs do not show damage.<br> Unable to determine the current occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR employment dxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) "Tape shows the loan closed improperly as the individual not on the loan signed all of the closing documents. BxxC, and the closing documents were signed by the xx of BWR's firm. Further details not provided." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42803122 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3712.80 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1743.00 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | No | 774 | Not Applicable | 4.917% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx. No active liens or judgments have been found against the borrower or subject property. The first and second installments of county taxes for 2024/2025 are due in the amount of $3,712.80 on xx/xx/2024 and xx/xx/2025. No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,175.60 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,743.00 and the interest rate is 4.500%.<br>| Collections Comments:The loan is currently performing. According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The unpaid principal balance is xx The loan has not been modified. The foreclosure was not initiated. The borrower did not file bankruptcy. The occupancy of the subject property is not available in collection comments. As per the comment dated xx/xx/2023, the subject property is located in the FEMA disaster area due to severe storms, flooding, landslides and mudslides which were declared on xx/xx/2023. No comment pertaining to the damage to the subject property has been oxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) "The subject is mixed use. The tape and appraisal report show the subject property is a mixed-use property used as an old age home or assisted living facility. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx. Elevated for client review." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20256789 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $68.41 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1402.02 | 6.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 608 | Not Applicable | 51.841% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The combined annual taxes of the year for 2024 are due in the amount of $68.41 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,710.08 which was applied for the due date of xx/xx/2024. The current P&I is $1,402.02 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property has been occupied by owner.<br>BWR was qualified usinxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 51.841%. The tape shows BWR was qualified using a new employment offer letter that does not match the paystubs. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR was qualified using an offer letter as a xx starting on xx BWR has prior employment experience as a xx with xx between xx and xx for 4.07 yeaxx $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80330729 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Not Applicable | Yes | Not Applicable | First |  | $0.00 | $11521.50 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3977.17 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 760 | Not Applicable | 47.015% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is one junior mortgage against the subject property in favor of xx<br> The 1st and 2nd installments of county taxes for 2024/2025 are due in the amount of $11,521.50 on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The details of the last payment received are unable to be determined. The current P&I is $3,977.17 with an interest rate of 6.37500%. The current UPB reflected as per the payment history tape data is xx | Collections Comments:According to the loan files, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to Initial loan estimate is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject loan closed with an LTV of 75%, which exceeds the LTV requirement of the Cxx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46747197 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3096.75 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1232.47 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 630 | 693 | 49.672% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual xx taxes for the year 2024 are due in the amount of $965.54 on xx/xx/2025.<br> The annual xx taxes for the year 2024 are due in the amount of $2,131.21 on xx/xx/2025.<br> The annual xx taxes for the year 2023 were paid in the amount of $933.95 on xx/xx/2023.<br> The annual xx taxes for the year 2023 were paid in the amount of $2,922.36 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,020.72, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,232.47 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx | Collections Comments:Comment history is missing from the loan file.<br> The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the subject property is owner-occupied.<br> BWR1 has xx<br> BWR2 has 1 xx between xx/xx/2022 and xx/xx/2024 for 2.08 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows APOR tolerance violation. Infinity compliance result shows loan failed HPML tests. Further details not provided."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.403%% exceeds APR threshold of 9.190% over by +0.213%."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.403% exceeds APR threshold of 8.440% over by +0.963%. Subject loan is escrowed.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 9.403%% exceeds APR threshold of 9.190% % over by +0.213%"<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.511% exceeds APR threshold of 8.440% over by +1.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per the appraisal report located at (xx the subject property is a manufactured home. The affidavit of affixation document is available in loan files located axx), reflecting that the home is affixed permanently to the land." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36268592 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $21927.52 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1580.17 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 757 | Not Applicable | 26.160% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The annual county taxes for 2024 are due in the amount of $21,927.52 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $16,946.09 on xx/xx/2023.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,580.17 which was applied for the due date of xx/xx/2024. The current P&I is $1,580.17 with an interest rate of 6.500%. The current UPB reflected as per the tape data is xx<br> As per the document located at "xx," the bulk payment in the amount of $9,481.02 was received from the borrower, which applied to the due dates from xx/xx/2022 to xx/xx/2023. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the tape data is xx<br> Unable to determine the RFD.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR2 has beenxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the TRID consummation date and closing / settlement date validation test.<br> This loan did not provide the consummation date or the closing / settlement date, which is required for the auditing the reimbursement date test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect loan origination fee. CD dated xx/xx/2022 reflects loan origination fee at $3,042.50. This is an increase in fee of +$3,042.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated xx<br> \* Missing Initial 1003_Application (Lvl 3) "Missing initial application dated xx/xx/2022 signed by the loan originator." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96600794 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $11692.59 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $207.94 | 9.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 769 | Not Applicable | 23.740% | Second | Unavailable | XX | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx<br> There is a prior mortgage against the subject property in favor of "xx" which was originated on xx.<br>The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $11,601.34 on xx/xx/2024 and xx/xx/2024 for parcel #xx.<br> The 1st and 2nd installments of county taxes for 2024 have been paid in the total amount of $91.25 on xx/xx/2024 for parcel #xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $207.94. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $207.94. The UPB reflected as per the payment history is xx.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Missing Appraisal (Lvl 3) "Appraisal report at origination is missing from the loan file. xx search shows an estimated value of $xx. Current UPB $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59597084 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2235.06 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $908.98 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | 39.898% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2022/2023 have been paid in the total amount of $5,536.16 on different dates.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,103.06 which was applied for the due date of xx/xx/2024. The current P&I is $908.98 and the interest rate is 7.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,103.06 which was applied for the due date of xx/xx/2024. The current P&I is $908.98 and the interest rate is 7.500%. The current UPB is xx. <br> No bankruptcy and foreclosure evidence has been found.<br> As per the collection comment dated xx/xx/2024, the subject property is owner occupied. <br> The appraisal report is as-is. The photo addendum of the subject property shows the enclosed patio is damaged due to fire. The estimated cost to cure is not available in the loan file. CCs do not show damages. No evidence has been found regarding repair completion. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as-is. The photo addendum of the subject property shows the enclosed patio is appears to be under construction. Walls are covered in plastic, floor is not complete and exterior windows are in plastic and boarded up. Appraiser did not address this. Elevated for client review. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 39.89%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has 4 months on the job as a xx at xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85797939 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1775.30 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1369.58 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 767 | Not Applicable | 49.635% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> 1st and 2nd installment taxes for 2023 have been paid in the amount of $1775.30 on xx/xx/2024 and xx/xx/2024.<br> No prior taxes have been found delinquent. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,656.36 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,369.58 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The loan is currently performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> No details pertaining to the damage to the subject property have been observed.<br> Borrower has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1 with a sales price of xx, is closest to the subject property. xx search shows an estimated value of $xx. Tape shows AVM $xx. Current UPB is xx. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4829743 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2886.38 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $734.78 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Investor | Yes | Yes | No | 768 | 804 | 39.360% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 are due in the amount of $2,886.38 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,188.21 which was applied for the due date of xx/xx/2024. The current monthly P&I is $734.78 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has xx. <br> BWR2 has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The subject is NOO and the tape shows the condo association does not have any inflation guard insurance, which caused them to be removed from agency approval. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 302205 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | No | Not Applicable | First |  | $0.00 | $10585.80 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $8579.69 | $11311.75 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 40.557% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> There are 7 state tax liens found against the borrower in favor of the xx.<br> The annual county tax for 2024 is due in the amount of $10,585.80 on xx/xx/2025.<br> The annual county taxes for 2023 were paid in the amount of $10,585.80 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | The loan is interest only for xx months. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $9,911.68, which was applied for the due date of xx/xx/2024. The current monthly P&I is $8,579.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> As per collection comment dated xx/xx/2024, the FEMA disaster was declared. CCs do not show damages.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Qualified Mortgage DTI exceeds 43% (Lvl 4) "Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of 46.09%, as the borrower's income is $49,336.00 and total expenses are in the amount of xx, and the loan is manually underwritten." | \* Assets do not meet guidelines (Lvl 3) "The subject was approved at 46.09%. Tape shows borrower has 6 months of reserves only instead of the 12 months of reserves required as per the program. Bank statements in the file show $xx; cash to close required is $286,768 and 12 months reserves in the amount of $100,500. There is a short fall in the amount of $43,686.26. Further details not provided. The subject loan originated on xx, and the 3-year SOL is active. BWR has been xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $68,487.50 exceeds fees threshold of $42,391.77 over by +$26,095.73. <br> The following fees were included in the test:<br> Lender Fee paid by Borrower: $1,295.00<br> Mortgage Broker Fee (Indirect) $39,737.50<br> Points - Loan Discount Fee paid by Borrower: $27,455.00.<br>Loan fails Qualified Mortgage APR Threshold Test due to APR calculated 7.323% exceeds APR threshold of 6.010% over by +1.313%." | \* Compliance Testing (Lvl 2) "This loan failed the qualified mortgage interest only test. This loan is an interest only loan or a graduated payment mortgage."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx and the 1-year SOL has expired."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $25,946.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $27,455.00.<br> Loan estimate dated xx/xx/2022 reflects Appraisal Fee at $780.00. CD dated xx/xx/2022 reflects Appraisal Fee at $1,200.00.<br> This is a cumulative increase in fee of $1,929.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.331% exceeds APR threshold of 6.260% over by +1.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.323% exceeds APR threshold of 5.260% over by +2.063%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55105991 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2104.10 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1803.27 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 795 | 692 | 48.573% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx".<br> There is a prior mortgage against the subject property in the amount of xx. <br> The annual combined taxes of the year for 2024 are paid in the amount of $2,104.10 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,803.27. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,803.27. The UPB reflected as per the payment history is $274,269.39.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> Unable to determine current occupancy of the subject property.<br> BWR1 has been SE at xx for 5.11 years.<br> BWR2 has 6.3 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the borrower has more than 6 financed properties with a 692 credit score, and the agency requires a 720 credit score for more than 6 financed properties. Further detail not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98697860 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7410.78 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2259.84 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 767 | Not Applicable | 41.193% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx."<br> No active liens and judgments have been found against borrower and property.<br> The first installment of combined taxes for 2023 was paid in the amount of $3,705.39 on xx/xx/2024.<br> The second installment of combined taxes for 2023 is due in the amount of $3,705.39 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $2,259.84 and PITI is $3,002.95. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $2,259.84 and PITI is $3,002.95. The UPB reflected as per the payment history is xx.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> The seller's tape defect category shows a water problem to the property. The appraisal report was not done. CCs do not show damage.<br> BWR has xx. BWR has prior employment experience as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan closed with PIW, and the tape shows the loan was repurchased as the lender did not address the water problem identified by performing a full appraisal and third-party inspection report. 1004D, or the third-party inspection report by a licensed professional, is missing from the loan documents. Further details not provided. Seller provided inspection addresses the water issue."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36397772 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3117.56 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $697.86 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 701 | 650 | 49.789% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $3,117.56 on xx/xx/2024.<br> The annual utility/mud charges for 2024 have been delinquent in the amount of $115.73, which is payable on xx/xx/2024.<br>| According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,041.66, which was applied for the due date of xx/xx/2024. The current monthly P&I is $697.86, and the rate of interest is 6.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by a tenant. CCs do not show any damage.<br> BWR1 has been xx.<br> BWR2 has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is a NOO and was approved at 49.78%. Tape shows income miscalculation. The revised DTI is 50.93%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR1 has been xx. BWR2 has been xx.<br> Downgraded to level 2 as per PH." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5034265 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Idaho | xx | xx | xx | Oregon | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3713.16 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2737.33 | 4.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 708 | Not Applicable | 36.619% | First | Final policy | Not Applicable | XX | 10/xx/2022 | $691800.00 | Not Applicable | 4.375% | $3454.06 | 12/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx."<br> There is a junior mortgage against the subject property originated on xx.<br> The first and second installments of county taxes for the year 2023 have been paid in the total amount of $3,711.81.<br> The first and second installments of county taxes for the year 2024 are due in the amount of $3,713.16.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $3,454.06 and interest rate is 4.375%. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The UPB reflected as per the payment history is xx.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> The loan was originated on xx. The Covid-19 attestation is located at "xx".<br> BWR has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx with new principal balance of xx. The borrower promises to pay the new modified P&I of $3,517.01 with the new fixed interest rate of 4.375% beginning from xx to the new maturity date of xx. The loan was again modified on xx to update the maturity date and P&I. The new maturity date is xx and P&I is $3,454.06. No other terms were changed. | Missing DU/GUS/AUS<br> Origination Appraisal<br> Transmittal (1008) | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan closed as construction to permanent loan, and the loan was modified with change in terms. Further details not provided."<br> \* Missing Appraisal (Lvl 3) "The appraisal report at origination is missing from the loan documents. The post-close appraisal report available in the loan file reflects the construction is completed. xx search shows an estimated value at $xx. Current UPB is xx."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "The AUS report is missing from the loan documents. Post-close AUS is available; the reflect loan amount does not match with the subject loan amount."<br> \* Transmittal (1008) is Missing (Lvl 3) "The final transmittal summary is missing from the loan documents. Post-close transmittal summary is available; reflect loan amount does not match with subject loan amount." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 36.61%. Tape reflects an increased DTI of 44.78%. Further details not provided. The subject loan originated on xx, and the 3-year SOL has expired. BWR has xx<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a refinance, originated on xx and the 3-year SOL has expired."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on Final CD as $459,726.64. Calculated finance charge is $463,080.16 for an under disclosed amount of -$3,353.52. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired.<br>The loan failed TRID Total of Payments Test due to total of payments charged disclose on final CD as $459,726.64 calculated total of payments of $463,080.16 over by -$3,353.52. The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2020.<br>The subject loan is a refinance, originated on xx and the 3-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59573688 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3306.14 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1809.24 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 681 | 731 | 48.004% | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $3,306.14 on xx/xx/2024 & xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,357.16, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,809.24 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2023, the deferred balance is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has xx.<br> BWR2 has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO as the property is rented. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 48%. Tape shows the subject is NOO as the property is rented causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on 1/xx/25. BWR1 has xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.00%, as the borrower's income is $9,437.96 and total expenses are in the amount of $4,530.52 and the loan was under written by DU xx and its recommendation is Approve/Eligible with a DTI of 48.00%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93237870 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2426.19 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2452.57 | 6.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 35.764% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> First and second installments of county taxes for the year 2024 are due in the amount of $2426.19.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,816.80, which was applied for the due date of xx/xx/2024. The current interest rate is 6.000%, and P&I is $2,452.57. The UPB as payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB as payment history is xx. <br> As per tape data, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows subject is NOO, as BWR listed the subject property for rent. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 40.52%. Tape shows subject is NOO, as BWR listed the subject property for rent, causing the lender to omit BWR xx. Further details not provided. BWR defect. Subject loan originated on xx, and the 3-year SOL is active. BWR has xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76330573 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2540.71 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $805.23 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 47.487% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $2,540.71 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,322.75 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $805.23 with an interest rate of 5.000%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,322.75 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $805.23 with an interest rate of 5.000%. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was payment dispute. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 47.48%. Tape shows paystubs do not support BWR working xx that was used to qualify. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has xx." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34334076 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $832.40 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 48.360% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> 2023/2024 taxes are exempt for this property.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,656.22 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $832.40 with an interest rate of 6.625%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR receives xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 48.36%. Tape shows lender did not verify post closing employment used to qualify and the revised DTI is 84.88%. Further details not provided. Lender defect. The subject loan was originated on xx, and the 3-year SOL is active. BWR receives social security and pension income, FICO 773, $xx equity in the subject, 0X30 inception, and $563 residual income." | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA Finance Charge test due. Finance charge disclosed on final CD as $171,728.60. Calculated finance charge is $172,198.35 for an under disclosed amount of -$469.75. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>Subject loan is a purchase, originated on xx" |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 82865174 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5338.94 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2683.19 | 5.125% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 691 | 788 | 30.834% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a state tax lien against the borrower in favor of xx.<br> There is a UCC lien against the subject property in favor of xx.<br> There are two state tax liens in favor of same plaintiff xx. The SSN provided on supportive doc is inconsistent with the subject borrower SSN.<br> The first installments of county taxes for 2024/2025 are paid in the total amount of $4,584.32 on xx/xx/2024 and xx/xx/2025.<br> The second installments of county taxes for 2024/2025 were due in the total amount of $4,584.32 on xx/xx/2025 and xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $2,683.19 and PITI is $2,724.77. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $2,683.19 and PITI is $2,724.77. The UPB reflected as per the payment history is xx.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage. <br> BWR2 has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows insufficient assets for closing. Bank statements in the file show $xx; gift assets verified of $xx supported by gift letter satisfy the cash to close requirement of $xx at closing. Further details not provided. BWR2 has been SE for 11 years at xx, FICO 691, 0X30 since inception, and $xx equity in the subject."<br> \* LE/CD Issue date test Fail (Lvl 3) "Loan fails compliance delivery and timing test for CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63259446 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1989.38 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1945.67 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 790 | Not Applicable | 49.251% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $1,989.38 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,527.33, which was applied for the due date of xx/xx/2024. The current P&I is $1,945.67 with an interest rate of 6.25%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has been xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject is NOO and was approved at 49.25%. Tape shows miscalculation of social security income. The revised DTI is 52.46%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40596654 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2683.44 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1661.72 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 34.164% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $1,359.61 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $1,323.83 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,077.35, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,661.72 with an interest rate of 4.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by COVID-19.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows evidence of BWR being a beneficiary of funds from a trust, and use of funds for qualification is missing from the loan documents. The receipt of funds from the sale of REO property belonging to the deceased mother in the amount of $xx and the receipt of funds of $xx by the settlement agent for the subject loan is available in the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28752985 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4486.56 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1397.93 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 791 | 710 | 49.671% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated xx.<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for 2024 are paid in the amount of $4,486.56‬ on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,107.32 which was applied for the due date of xx/xx/2024. The current P&I is $1,397.93 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has been xx.<br> BWR2 has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 49.67%. Tape shows undisclosed debt opened prior to closing. Revised DTI is 55%. Further details not provided. BWR defect. Subject was originated on xx, and the 3-year SOL is active. BWR has been xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22521560 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $484.08 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $670.75 | 6.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 41.050% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023 were paid in the amount of $484.08 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $670.75, which was applied for the due date of xx/xx/2024. The current P&I is $670.75 with an interest rate of 6.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $670.75, which was applied for the due date of xx/xx/2024. The current P&I is $670.75 with an interest rate of 6.500%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) |  | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The property data report is approved in as-is condition. The photo addendum shows an unfinished basement with debris. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount." | \* Property Marketability Issues (Lvl 3) "The tape shows the subject loan was repurchased as PDR (Property Data Report) was used to determine the appraisal value on the subject loan instead of a full appraisal report with interior and exterior inspection. Further details not provided. xx search shows an estimated value at $xx. Current UPB is xx" |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25689997 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $901.74 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $1292.06 | 6.625% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 659 | Not Applicable | 42.018% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> There is one UCC Financing Statement against the subject property in favor ofxx.<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $901.74 on xx/xx/2024 and xx/xx/2024. | According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,491.98 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,292.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is active bankruptcy.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is marital difficulties.<br> The deferment agreement located at xx. According to the terms of the deferment, six payments totaling $8,742.36 were deferred. Further details were not provided.<br> The post-closing details regarding the foreclosure have not been found.<br> As per PACER, the borrower had filed for bankruptcy under Chapter 13 with case # xx on xx/xx/2024. The bankruptcy is still active.<br> The tape defect shows the subject property was damaged, like missing handrails on steps to the basement. The original appraisal was "as is" and noted dampness in the basement, and we had an inspection to confirm this was not an issue due to the dirt basement. Collection comments do not show damages.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx. As per the voluntary petition schedule D xx, the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral isxx. The unsecured portion is $0.00. The POC is not filed by the creditor. The chapter 13 xx plan was filed on xx and not yet confirmed. The borrower shall pay a monthly mortgage payment of xx to the trustee under the chapter 13 plan. The bankruptcy is still active. | Not Applicable |  | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Fannie Mae public guidelines) QM Points and fees test due to fees charged $6,633.44 fees threshold: $4,934.42 over by +$1,699.02.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,734.44<br> Processing Fee paid by Borrower: $1,899.00<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $6,633.44 fees threshold $4,934.42 over by +$1,699.02<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,734.44<br> Processing Fee paid by Borrower: $1,899.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape defect shows the borrower was behind on payments and recently deferred missing payments on the loan to bring himself current. The terms of the loan were unchanged, and he did defer payment of $8742. According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.203% exceeds APR threshold of 6.770% over by +0.433%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d).<br>Loan failed qualified mortgage safe harbor threshold test APR calculated 7.134% APR threshold 6.770% over by +0.364%. The subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27181856 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1391.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1020.72 | 6.125% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | 37.508% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens were found. <br> The annual state taxes for 2024 are due in the amount of $1,391.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 and the first payment date is xx/xx/2024. As per the review of seller's tape data as of xx/xx/2024, the next due date is xx/xx/2024. As per tape, the current P&I is $1,020.72 and interest rate is 6.125%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024 and the first payment date is xx. As per the review of seller's tape data as of xx/xx/2024, the next due date is xx/xx/2024. The UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> As per seller's tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan closed with the wrong credit reference number in the AUS submission at closing. AUS resubmitted with correct credit reference numbers does not give an approve/eligible risk recommendation for the subject loan. BWR's FICO dropped from 702 to 672, and collateral is in good condition. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8092825 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1551.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2321.38 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 774 | Not Applicable | 49.833% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county tax for 2024 is due in the amount of $1,551.00 on xx/xx/2025.<br> The annual county tax for 2023 has been paid in the amount of $1,495.00 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,746.27 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,321.38 with an interest rate of 6.490%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The reason for the default is not available.<br> No modification or forbearance details are available in recent collection comments.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> The occupancy of the subject property is unable to be determined.<br> No information has been found related to damage or repairs.<br>BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.83%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has xx." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6781910 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1237.21 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1288.13 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 37.498% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active liens and judgments have been found against borrower and property.<br> The first and second installments of county taxes for 2023/2024 were paid in the total amount of $1,237.21.<br> No prior year delinquent taxes have been found.<br> As per UT dated xx/xx/2024, there is a land contract between the prior owner xx. The borrower acquired property via QCD on xx/xx/2019. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,288.13 and PITI is $1,528.81. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,288.13 and PITI is $1,528.81. The UPB reflected as per the payment history is $xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided. Appraiser state that the subject was not transferred within last 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4221534 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1101.86 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1012.94 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 24.740% | First | Short Form Policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st installment of county taxes for 2023/2024 was paid in the amount of $550.93 on xx/xx/2024.<br> The 2nd installment of county taxes for 2023/2024 was paid in the amount of $550.93 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024 the borrower is current with the loan with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,279.62, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,012.94 and the rate of interest is 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the RFD.<br> The loan has not been modified since origination.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject closed with a DPA loan of $9,300, and BWR did not have 2 months reserve at the time of closing to qualify for manual underwriting. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3575549 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2766.40 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1538.49 | 6.900% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 707 | Not Applicable | 42.110% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx"<br> No active liens and judgments have been found against borrower and property.<br> The first and second installments of county taxes for 2022/2023 were paid in the total amount of $2,766.40.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,538.49 and PITI is $1,915.44. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,538.49 and PITI is $1,915.44. The UPB reflected as per the payment history is xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> Borrower receives social security and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $8,078.20 exceeds fees threshold of $6,734.81 over by +$1,343.39. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $24.00<br> Points - Loan Discount Fee paid by Borrower: $6,132.00<br> Processing Fee paid by Borrower: $60.00<br> Rate Lock Extension paid by Borrower: $467.20<br> Underwriting Fee paid by Borrower: $1,395.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $8,078.20 exceeds fees threshold of $6,734.81 over by +$1,343.39. <br> The below fees were included in the test: <br> Document Preparation Fee paid by Borrower: $24.00<br> Points - Loan Discount Fee paid by Borrower: $6,132.00<br> Processing Fee paid by Borrower: $60.00<br> Rate Lock Extension paid by Borrower: $467.20<br> Underwriting Fee paid by Borrower: $1,395.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 42.11%. The tape shows that BWR income miscalculation as social security income incorrectly grossed up. The revised DTI is 47.03%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL is active. BWR receives xx |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26167855 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1920.93 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 775 | 792 | 48.610% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active liens and judgments have been found against borrower and property. | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,920.93 and PITI is $2,208.14. The UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,920.93 and PITI is $2,208.14. The UPB reflected as per the payment history is xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> BWR1 has xx.<br> BWR2 has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Appraisal report is as is. Tape shows appraisal did not address health and safety issues as there is no deck for doors in the rear or stairs leading up to them outside. An inspection report from a structural engineer certifying the safety and soundness of the subject property is missing from the loan documents. Appraisal in file does not show the subject issues. Downgraded to LVL3."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34895626 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1195.50 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1236.25 | 6.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 736 | 650 | 45.254% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx. The subject mortgage was re-recorded on xx for including a tax-exempt rider.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of combined taxes for 2024 were paid in the total amount of $1,195.50.<br> The annual water charges for 2024 have been delinquent in the amount of $211.79, which are good through xx/xx/2024. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,407.84, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,236.25 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per servicing comment dated xx/xx/2024, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has xx.<br> BWR2 has xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the loan closed with an FHA total loan score issue and a DU glitch. Loan is not government insured. Further details were not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Settlement date is different from note date (Lvl 3) "Final CD reflects closing date as xx/xx/2023. Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, which states that the manufactured home with Serial #xx has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72458494 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $4072.63 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1067.73 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 650 | Not Applicable | 35.936% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2021 | $188070.32 | Not Applicable | 5.875% | $1018.45 | 08/xx/2021 | Financial Hardship | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> There is a hospital lien against the BWR xx.<br> There are two prior credit card judgments against the BWRs, xx, which were filed by the different plaintiffs and recorded on xx.<br> There is a credit card judgment against the BWR "xx" which was recorded on xx.<br> There is a UCC lien in favor of xx<br> The annual county taxes for 2024 were paid in the amount of $3,909.72 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,995.38 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,018.45, with an interest rate of 5.875%. The current UPB is xx. | Collections Comments:The current status is collection. <br> According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,995.38 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,018.45, with an interest rate of 5.875%. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was curtailment of income. <br> The comment dated xx/xx/2024 shows evidence that the subject property was damaged. No comments have been found regarding the type of damages, estimated cost of repair, and repair completions. <br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the BWR and lender onxx. As per the modification agreement, the modified UPB was xx, and the BWR promises to pay P&I in the amount of $1,018.45 at a rate of 5.875% beginning on 8/xx/2021. The new maturity date is xx. There is no deferred or forgiven amount. | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Appraisal of subject property is subject to repairs due to wood rot, damaged siding, damage to walls, and a hole in the wall. Estimated cost to cure is not available in the loan file. As per the available 1004D, only the AC system unit has been replaced, and some repairs still need to be completed; the updated 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback amount." |  | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.091% exceeds APR threshold of 5.940% over by +1.151%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.091% exceeds APR threshold of 5.940% over by +1.151%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31180845 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2426.98 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2555.43 | 6.000% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 717 | Not Applicable | 53.056% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated xx<br> There is an active prior mortgage against the subject property in favor of xx.<br> The annual county taxes for 2024 were paid in the amount of $2,329.90 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,899.59 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,555.43 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> Unable to determine the occupancy of the subject property.<br> The collection comment does not show borrower's income impacted by Covid-19.<br> BWR receives xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance |  | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Subject loan is VA purchase transaction and approved at 53.056%. Tape shows borrower was short on funds/cash to close. Review of loan file shows BWR submitted $70 in assets. FCD and AUS do not show asset requirement. Subject loan originated on xx/xx/2024. Further details not provided. BWR receives SSI and VA disability income, FICO 717, $xx equity in the subject and $3,125 residual income."<br> \* Closing_Disclosure violations (Lvl 3) "As per the document tracker located at xx, the closing disclosure dated xx is missing from the loan documents."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx does not reflect Points - Loan Discount Fee. CD dated 0xx/xx/2024 reflects Points - Loan Discount Fee at $4,134.38. This is an increase in fee of +$4,134.38 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx and the 1-year SOL is active."<br> \* MI, FHA or MIC missing and required (Lvl 3) "VA guaranty certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of xx." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38252994 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $5824.32 | $8688.60 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4342.47 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 37.055% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a notice of special tax lien on the subject property which was recorded on xx/xx/2023.<br> The 1st installment of county taxes for 2023/2024 was paid in the amount of $1,148.32 on xx/xx/2024.<br> The 1st and 2nd installments of county taxes for 2023/2024 and 2024/2025 are delinquent in the total amount of $5,824.32 which were due on different dates and good through xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $4,137.43 on xx/xx/2025.<br>| According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,156.30, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,342.47 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The RFD is unable to be determined. <br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The current occupancy is unable to be determined. <br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. The tape indicates that the property is NOO. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 37.05%. Tape shows subject is NOO. Revised DTI is 39.51%. Further details not provided. BWR defect. The subject loan originated on xx, and the 3-year SOL is active. BWR has been xx |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95863165 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3459.32 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1927.42 | 8.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 39.351% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx. <br> No active judgments or liens were found. <br> The 1st installment of county taxes for 2024/2025 is paid in the amount of $1,729.66 on xx/xx/2024. <br> The 2nd installment of county taxes for 2024/2025 was due in the total amount of $1,729.66 on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,431.25, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,927.42 with an interest rate of 8.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025.The current UPB reflected as per the payment history is xx.<br> No evidence of damage or repair has been found. <br> The current occupancy is unable to be determined. <br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject was approved as OO. Tape shows the subject property is NOO. Further details not provided. Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test.<br> The initial loan estimate dated xx/xx/2024 reflects Appraisal Fee at $620.00. Final CD dated xx/xx/2024 reflects Appraisal Fee at $750.00.<br> The initial loan estimate dated xx/xx/2024 does not reflect Appraisal Review Fee. Final CD dated xx/xx/2024 reflects Appraisal Review Fee at $120.00.<br> This is a cumulative increase in fee of +$250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows borrower only has 1 tradeline."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at 39.351%. Tape shows subject is NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject originated xx and the 3 year SOL is active. BWR has xx<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27876923 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10496.64 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7439.24 | 8.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Alternative | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 41.292% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2023 were paid in the total amount of $10,496.64 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan is originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per seller tape data as of xx/xx/2024, the next due date is xx/xx/2025 and the interest rate is 8.50%, and the current P&I is $7,439.24. The current UPB reflected is xx. | Collections Comments:The current status of the loan is performing.<br> The loan is originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per seller tape data as of xx/xx/2024, the next due date is xx/xx/2025 and the interest rate is 8.50%, and the current P&I is $7,439.24. The current UPB reflected is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property is owner occupied.<br> No information has been found stating the borrower's income was impacted by Covid-19.<br> BWR has been xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report reflects as-is conditions. Photos addendum shows garage interior needs to be repainted. The estimated cost to cure is not available in the loan file. The updated 1004D/completion report is missing in the file, and the final CD does not reflect the escrow holdback amount."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects Lender Credit at $3,628.00, Final CD dated xx/xx/2024 reflects lender credit at $2,418.75. This is decrease of +$1,209.25 for fee which has 0% tolerance test. Valid COC is missing from the loan documents. Subject loan is a purchase, originated on xx<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows failed to provide ARM disclosure and Charm Booklet within 3 days. Review of loan file shows ARM disclosure and Charm booklet are missing from the loan file. Further details were not provided."<br> \* Loan program disclosure missing or unexecuted (Lvl 3) "ARM disclosure is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95178369 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $429.08 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1584.89 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 773 | Not Applicable | 47.885% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> Annual county taxes for the year 2024 are due on xx/xx/2025 in the amount of $429.08.<br> Annual county taxes for the year 2023 were paid on xx/xx/2023 in the amount of $147.58.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,022.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,584.89 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per payment history is xx.<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> Unable to determine the current condition and occupancy of the subject property. <br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan is NOO and was approved at 47.89%. The tape shows rental income was included twice in DTI. Further details not provided. Lender defect. The subject loan originated onxx, and the 3-year SOL is active. BWR has xx in the subject." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58331773 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wyoming | xx | xx | xx | Wyoming | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3482.77 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $433.91 | 8.500% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 26.034% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage originated on xx.<br> No active judgments or liens were found.<br> There is one prior mortgage against the subject property originated on xx.<br> The first installment of combined taxes for 2024 is paid in the amount of $1,741.39 on xx/xx/2024.<br> The second installment of combined taxes for 2024 is due in the total amount of $1,741.39 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $433.91 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $433.91 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal |  | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase test. Initial LE dated xx/xx/2024 reflect points-loan discount fee at $856.00. Final CD dated xx/xx/2024 reflect points-loan discount fee at $900.00. This is an increase of $44.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx, and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows property is in a rural area, and BWR has xx and in the property for the last 4 years. Further details not provided."<br> \* Missing Appraisal (Lvl 3) "Appraisal report is missing from the loan documents. Realtor.com search shows an estimated value of $xx. Current UPB xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97127134 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1067.69 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $875.61 | 6.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 771 | Not Applicable | 53.395% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $382.32 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $685.37 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,094.33 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $875.61 with an interest rate of $1,094.33. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR receives social security VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed Loan Origination Fee test due to fees calculated $1,596.55 exceeds fees threshold of $1,350.00 over by +$246.55. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,350.00<br> Pest Inspection Fee paid by Borrower: $155.00<br> Title Mobile Home Fee paid by Borrower: $91.55."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that in total cannot increase more than 10% tolerance test due to LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $721.00. Final CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $812.55. This is a cumulative increase of +$19.45 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is not available. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows an uninsurable VA loan and net tangible benefits not met. Further details not provided. Final CD shows BWR received $12,460 cash out at closing."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41487655 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5333.60 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $948.10 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 709 | 725 | 46.647% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of town taxes for 2025 were paid in the amount of $2,580.88.<br> The third and fourth installments of town taxes for 2025 were due on xx/xx/2025 and xx/xx/2025 in the amount of $2,752.72.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024, in the amount of $1,584.37, which was applied for the due date of xx/xx/2024. The current P&I is $948.10, with an interest rate of 6.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR1 receives xx.<br> BWR2 receives xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,788.00 exceeds fees threshold of $4,314.75 over by +$1,473.25. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,795.00<br> Points - Loan Discount Fee paid by Borrower: $3,993.00"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2023 delivered on xx/xx/2023 which is more than 3 business days from initial application date xx/xx/2023. Subject loan is refinance case, originated on xx/xx/2024 and the 3 years SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $5,788.00 exceeds fees threshold of $4,314.75 over by +$1,473.25. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,795.00<br> Points - Loan Discount Fee paid by Borrower: $3,993.00"<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows Freddie did not agree with as is appraisal. Subject is 220 year old home in C3 condition. Appraiser notes home is habitable as is. Review of appraisal shows the exterior in need of paint and the interior in need of update to the mechanicals, basement, crawl space. Cost to cure not provided. Also, appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #4 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30760108 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $51522.06 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7226.22 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 792 | 791 | 42.109% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $49,461.18 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $10,309.07, which was applied for the due date of xx/xx/2024. The current monthly P&I is $7,226.22 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR1 has xx.<br> BWR2 has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows APR increased by 0.125% without a three-day waiting period. Infinity CE does not fail delivery and timing tests. Further details were not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $14,080.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $15,180.00.<br> Revised CD dated xx/xx/2024 reflects Rate Lock Extension Fee at $6,886.00. Final CD dated xx/xx/2024 reflects Rate Lock Extension Fee at $9,922.00. This is a cumulative increase in fee of +$4,136 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. The revised CD dated xx/xx/2024 reflects lender credit at $17,166.00. Final CD dated xx/xx/2024 reflects lender credit at $100. This is a decrease of $17,066.00 for a fee that has a 0% tolerance test.<br> Subject loan is refinance case, originated on xx and the 3-year SOL is active." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52989752 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6559.80 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1979.82 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 665 | Not Applicable | 45.701% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> There is a prior hospital lien found against the borrower in favor of xx. <br> There is a hospital lien found against the borrower in favor of xx, which was recorded on xx/xx/2023. <br> There is a prior credit card judgment found against the borrower in favor of xx.<br> There is a credit card judgment found against the borrower in favor of xx.<br> There is a default judgment found against the borrower in favor of xx.<br> The annual county taxes for 2024 were paid in the amount $6,297.41. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,428.56 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,979.82 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 45.70%. Tape shows lender did not validate BWR employment history. Revised DTI is 46.60%. Further details not provided. Lender defect. The subject loan originated on xx, and the 3-year SOL will expire 2/xx/25. BWR has xx<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.701% as the borrower's income is $8,749.92 and total expenses are in the amount of $3,998.78 and the loan was underwritten by DU xx |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24993785 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $4514.21 | $8207.65 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5469.65 | 5.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 811 | 807 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active liens and judgments have been found against the borrower and subject property.<br> The 1st and 2nd installments of supplemental taxes for 2023 are due in the total amount of $873.03 on xx/xx/2024 and xx/xx/2025.<br> The 1st and 2nd installments of supplemental taxes for 2024 are due in the total amount of $4,914.53 on xx/xx/2024 and xx/xx/2025.<br> The 1st installment of county taxes for 2025 is delinquent in the total amount of $4,514.21 which was due on xx/xx/2025 and good through xx/xx/2023. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $7,284.34, which was applied for the due date of xx/xx/2024. The current monthly P&I is $5,469.65 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR1 has xx.<br> BWR2 has xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject loan is an FHA streamline refinance. Tape shows the loan does not meet the FHA seasoning period requirement. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60769179 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $53306.80 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1583.98 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 809 | Not Applicable | 24.785% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The combined installment of annual taxes for 2023 has been paid in the amount of $47,225.27 on xx/xx/2024.<br> The combined installment of annual taxes for 20234 is due in the amount of $53,306.80 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,583.98, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,583.98, and the rate of interest is 2.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan has not been modified since origination.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was located in FEMA disaster area. CCs do not show any damage due to the disaster. <br> As per the collection comment dated xx/xx/2023, the subject property was damaged due to a storm on xx/xx/2022. The claim amount was $39,417.22. Further details are not provided. Unable to determine the current condition and status of the repairs.<br> BWR has xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "As per the appraisal report, the subject is a new construction. Tape and review of the loan file show the subject property is ineligible, as the subject property does not have an individual property tax ID number. Appraisal report does not show the parcel ID. The legal description with deed and mortgage also shows the subject legal as an undivided one-fourth interest in and to xx. There is no individual property tax ID assigned to the subject property. xx search shows an estimated value of $xx. Current UPB is xx." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. The initial LE dated xx/xx/2021 reflects lender credit at $970. Final CD dated xx/xx/2021 does not reflect lender credit. This is a decrease of $970 for a fee that has a 0% tolerance test.<br> Subject loan is purchase case, originated on xx and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36395851 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $163.52 | 06/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $654.27 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 672 | Not Applicable | 39.798% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> No active judgment has been found.<br> The first and second installment county taxes for 2023/2024 have been paid on xx/xx/2024 and xx/xx/2024 in the total amount of $163.52.<br> No delinquent tax has been found. | As per the review of payment history as of xx/xx/2024, the borrower is 6 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,147.72 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $654.27, and the interest rate is 7.990%. The UPB is xx. | Collections Comments:The current status of the loan is collection.<br> As per the review of payment history as of xx/xx/2024, the borrower is 6 months delinquent with the loan, and the next due date is xx/xx/2024. The UPB is $xx.<br> As per the comment dated xx/xx/2024, the RFD is unemployment.<br> As per the tape data, the subject property is owner-occupied.<br> As per the collection comment dated xx/xx/2024, the forbearance plan starts from xx/xx/2024 to xx/xx/2024. No further details have been found.<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> The improvement section of the appraisal report dated xx/xx/2023 shows the roof was patched, flooring is damaged, interior walls need repainting, vinyl flooring needs replacing, and the bathtub is outdated and loose in some areas. Unable to determine the estimated cost of repairs. The available CCs do not show any damage to the subject property. No evidence has been found for repairs completion.<br> BWR has xx. Previously, BWR worked with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Appraisal report is as is, and the improvement section shows the roof was patched, flooring is damaged, interior walls need repainting, vinyl flooring needs replacing. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 39.79%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has xx<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47152150 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $554.55 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1749.96 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 752 | Not Applicable | 40.825% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 is due in the amount of $554.55 on xx/xx/2025.<br> The annual installment of county taxes for 2023 was paid in the amount of $162.64 on xx/xx/2023.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,168.76, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,749.96, and the rate of interest is 8.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. The appraisal report in the loan file is as is; the photo addendum and improvement section show the landscaping and touch-up paint are items to be completed. CCs do not show any damage.<br> BWR has been xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is as is; the photo addendum and improvement section show the landscaping and touch-up paint are items to be completed. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Compliance Testing (Lvl 3) "Tape shows loan violated the QM price limit rule. Infinity CE result failed QM APR test. Further details are not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflects Points - Loan Discount Fee at $4,500.00. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $4,770.00. This is an increase in fee of +$270.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2024 and the 1 year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the borrower in the amount of $5,340.73."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.194% exceeds APR threshold of 8.360% over by +0.834%. Subject loan is escrowed.<br>Loan failed GSE (Freddie Mac public guidelines) QM APR threshold test due to APR calculated 9.194% exceeds APR threshold of 9.110% over by +0.084%. Subject loan is escrowed.<br>Loan failed Qualified Mortgage APR threshold test due to APR calculated 9.194% exceeds APR threshold of 9.110% over by +0.084%. Subject loan is escrowed." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17276440 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $6666.04 | 11/xx/2024 | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2440.41 | 2.350% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  |  |  | Unavailable | 2 Family | xx | xx | Investor | Yes | Yes | No | Unavailable | Not Applicable | 18.785% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2022 | $522899.63 | Not Applicable | 4.625% | $2392.94 | 07/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx.<br> There is an IRS lien against the subject borrower in favor of the xx.<br> The 1st installment of county taxes for 2024-25 was paid in the amount of $3,333.02 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-25 is due in the amount of $3,333.02 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,118.03, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,392.94 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available in the latest servicing comments.<br> The foreclosure case was initiated with the loan in xx. As per the notice of default located at xx. As per the notice of recession located at xx the foreclosure case was cancelled. As per the servicing comment dated xx/xx/2023, the foreclosure case is reinitiated in 2023. As per the servicing comment dated xx/xx/2024, the foreclosure case is closed as the loan is reinstated.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:The foreclosure case was initiated with the loan in 2011. As per the notice of default located at xx, the complaint was filed on xx. As per the notice of recession located at xx, the foreclosure case was cancelled. As per the servicing comment dated xx/xx/2023, the foreclosure case is reinitiated in 2023. As per the servicing comment dated xx/xx/2024, the foreclosure case is closed as the loan is reinstated.<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is $xx. The borrower agreed to pay the modified monthly P&I of $2,392.94 with a modified interest rate of 4.625% starting on 7/xx/2022 and continuing until the new maturity date of xx. There is no deferred balance and principal forgiven amount. | Credit Report<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. Itemization of fee is available at xx | \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34870421 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $70.40 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $262.76 | 8.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 27.201% | First | Short Form Policy | Not Applicable | Not Applicable | 06/xx/2017 | $18308.44 | Not Applicable | 8.750% | $178.35 | 06/xx/2017 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an IRS lien against the borrower in favor of the xx.<br> There are 3 civil judgments against the borrower in favor of multiple plaintiffs for the amount of $11,460.90 recorded on different dates.<br> The annual combined taxes for 2024 were paid in the amount of $72.40.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $178.35 and the interest rate is 8.750%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The loan has been modified on xx/xx/2017.<br> The foreclosure was not initiated. <br> The borrower "xx" filed for bankruptcy under chapter 7 with the case# xx. The bankruptcy was discharged on xx and the case was terminated on xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower xx.<br>| The modification agreement was made on xx between the borrower, xx As per the modified terms, the new principal balance is xx. The borrower agreed to pay the P&I of $178.35 and an interest rate of 8.750% beginning on 6/xx/2017 until the maturity date of xx. |  | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The lost note affidavit is located at "xx" which states that the original note has been lost or destroyed. The note is available in the loan file xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94536253 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3800.60 | Unavailable | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1906.81 | 2.400% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 619 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 01/xx/2018 | $448917.87 | Not Applicable | 2.000% | $1374.50 | 01/xx/2018 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of the xx.<br> The 1st installment of county taxes for 2024 was paid in the amount of $3,800.60 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $3,800.60 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $1,793.71, and the interest rate is 3.875%. The UPB is xx. As per the tape data, the deferment amount is xx, and deferment agreements are located at xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,793.71, and the interest rate is 3.875%. The UPB is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is excessive obligation.<br> The foreclosure was initiated in this loan in xx, and the complaint located at xx. As per the notice of the trustee's sale located at xx, the foreclosure sale was scheduled on xx. The lis pendens has been cancelled on the xx document located atxx.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan was modified on xx.<br> As per the comment dated xx/xx/2023, the borrower is on a forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the property is owner-occupied.<br> As per the collection comment dated xx/xx/2023, the FEMA disaster was declared for the winter storm, and the borrower's income was affected due to the natural disaster. CCs do not show damages.<br> As per tape data, the borrower's income has been impacted due to the Covid-19 pandemic. As per tape data, the forbearance plan began on xx/xx/2021 and ended on xx/xx/2022.<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx, and the complaint located at xx. As per the notice of the trustee's sale located at xx. The lis pendens has been cancelled on the xx document located at xx.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is $xx. The borrower agreed to pay the modified monthly P&I of $1,374.50 with a modified interest rate of 2.000% starting on 01/xx/2018, which will be changed in 3 steps until the new maturity date of xx. The rate will change in 3 steps, which ends with 3.875%. There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Copy of HUD-1 is not signed by the BWR."<br> \* Lost Note Affidavit (Lvl 3) "The lost note affidavit is available in the file located at xx The original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. The loan was modified on xx." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test. Total fees charged is $551.70 and allowed $391.20. It is over charged by +$160.50." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46062353 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $10544.51 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3002.08 | 6.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 38.816% | First | Final policy | Not Applicable | XX | 05/xx/2012 | $524000.00 | Not Applicable | 4.649% | $2701.62 | 06/xx/2012 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There is a junior mortgage against the subject property that was originated on xx.<br> The first installment of county taxes for 2024 was paid in the amount of $5,272.26.<br> The second installment of county taxes for 2024 is due in the amount of $5,272.25.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $2,701.62 and the interest rate is 4.649%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The loan has been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made on 5/xx/2012 between the borrowers, xx.As per the modified terms, the new principal balance is xx. The borrower agreed to pay the P&I of $2,701.62 and an interest rate of 4.649% beginning on 6/xx/2012 until the maturity date of xx.<br>| Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final HUD dated xx/xx/2007 reflects cash to in the amount of $3,167.25."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "Affiliated business disclosure signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71599809 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3712.72 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1188.72 | 7.150% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 566 | 592 | 50.332% | First | Final policy | Not Applicable | Not Applicable | 11/xx/2012 | $187386.27 | Not Applicable | 2.000% | $657.42 | 11/xx/2012 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2025 are due in the total amount of $3,712.72 on xx/xx/2025 and xx/xx/2025.<br> The first and second installments of county taxes for 2024 are paid in the total amount of $3,610.32 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $774.25 with an interest rate of 3.375%. The current UPB reflected as per the tape data is xx and the deferred balance is xx‬. | Collections Comments:The current status of the loan is performing. <br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $774.25 with an interest rate of 3.375%. The current UPB reflected as per the tape data is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2023, the reason for default is curtailment of income.<br> As per the tape data, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2023, the subject property was damaged due to water, and the date of loss was xx/xx/2023. The borrower has filed the claim in the amount of $xx. There is no evidence to confirm the current status of repairs.<br> As per the tape data, the borrower's income was impacted by Covid-19. The borrower was on a COVID-19 forbearance plan from xx/xx/2020 to xx/xx/2020.<br> The deferment agreement dated xx/xx/2020 is located at xx. According to the terms of the deferment, 4 payments totaling xx were deferred.<br> The modification agreement was signed between the borrower and lender with an effective date of xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower and lender with an effective date of xx and the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $657.42 with an interest rate of 2.000% starting on 11/xx/2012, which will be changed in 3 steps until the new maturity date of xx. The rate will change in three steps, which end with 3.375%. The borrower is making payment as per the 3rd step with P&I $774.25 and an interest rate of 3.375%. | Initial Escrow Acct Disclosure<br> Notice of Servicing Transfer<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan document."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer doc is missing from loan file."<br> \* Prepayment Rider Missing (Lvl 2) "The prepayment penalty rider is not reflected in the deed of trust, and it is reflected in the note."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date not consistent with note and/or HUD." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $14509.07 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 37386818 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $13470.07 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1932.08 | 1.100% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 39.814% | First | Final policy | Not Applicable | XX | 03/xx/2009 | $810458.99 | Not Applicable | 1.228% | $2232.75 | 03/xx/2009 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is one junior mortgage against the subject property originated on xx/xx/2006 in favor of the xx.<br> There is an IRS lien against the BWR xx.<br> There are two state tax liens against the BWR xx.<br> There is a civil judgment against the borrower in favor of xx.<br> The first and second installments of county taxes for the year 2024 have been paid in the amount of $13,470.07.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,232.75, and the interest rate is 1.228%. The UPB is xx. | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,232.75, and the interest rate is 1.228%. The UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied.<br> The loan was modified between the BWR and lender on xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx. As per the modified term, the new principal balance was xx, and the BWR promises to pay the monthly P&I of $2,232.75 with an interest rate of 1.228% beginning on 3/xx/2009. The new maturity date is xx. There is no deferred or forgiven amount. | Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents" |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53361066 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $403.62 | 9.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 49.070% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The current tax details are not available. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $403.62, and the interest rate is 9.500%. The UPB is xx. | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $403.62, and the interest rate is 9.500%. The UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The borrower xx has been working at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM mortgage with an original P&I of $403.62 and an interest rate of 9.500%. The current P&I per PH is $403.62 with an interest rate of 9.500%. As per the seller's tape data, the loan has been modified on xx. The modification agreement is missing from the loan file. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the latest TIL itemization in file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test due to final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL signed by the borrower is missing from loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3979185 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $4209.56 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $700.13 | 1.400% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 10.203% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2010 | $221550.34 | Not Applicable | 4.780% | $1216.99 | 02/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx, which is organized and existing under the laws of the United States of America in the amount of xx.<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $2,104.78 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of $2,104.78 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,216.99, and the interest rate is 4.780%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,216.99, and the interest rate is 4.780%. The UPB is xx.<br> The loan was modified on xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property occupancy is stated as investment property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrowers, xx. The borrower agreed to pay the modified monthly P&I of $1,216.99 with a modified interest rate of 4.780% starting on 02/xx/2010, which will be changed in 6 steps until the new maturity date of xx. The rate will change in 6 steps, which ends with 4.780%. There is no deferred balance and principal forgiven amount. | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Appraisal report dated xx/xx/2004 is subject to completion. Updated 1004D is missing from the loan document." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50578228 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2340.13 | Unavailable | Unavailable | No | Unavailable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1005.33 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 24.112% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2013 | $218349.48 | $55576.82 | 2.802% | $564.28 | 01/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active liens and judgments have been found.<br> Annual county taxes for the year of 2024 were paid in the amount of $2,340.13.<br> No prior year delinquent taxes have been found. | As per tape data payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment was receive. The current monthly P&I is $612.87 with an interest rate of 3.375%. The current UPB reflected as per tape is xx and deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> As per tape data payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment was receive. The current monthly P&I is $612.87 with an interest rate of 3.375%. The current UPB reflected as per tape is xx and deferred balance is xx<br> The reason for default is not available.<br> The loan was modified on xx/xx/2013.<br> The notice of lis pendens located at xx, the foreclosure complaint was filed on xx in favor of xx.<br> The borrower had filed bankruptcy under xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>Foreclosure Comments:The notice of lis pendens located at xx and FC status is removed. Further details are not provided.<br> Bankruptcy Comments:The borrowers xx. | This modification agreement signed between the borrower and lender with an effective date of 01/xx/2013 shows the new modified unpaid principal balance is xx, the deferred balance is xx, and the interest-bearing UPB is $162,772.66. As per modified terms, the deferred balance of xx is eligible for forgiveness, which exceeds 2% of modified UPB. The borrower agreed to pay the modified monthly P&I of $564.28 with a modified interest rate of 2.802% starting on 01/xx/2013, which will be changed in 2 steps until the new maturity date of xx. The rate will change in 2 steps, which ends with 3.375%. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96163802 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5783.27 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $713.16 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 630 | Not Applicable | 21.011% | First | Final policy | Not Applicable | XX | 07/xx/2010 | $220339.11 | Not Applicable | 4.000% | $951.62 | 08/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> There is a junior mortgage against the subject property originated on xx.<br> There are two civil judgments found against the borrower for the total amount of xx, respectively.<br> There is a state tax lien found against the subject borrower in the amount of xx.<br> The first installment of county taxes for 2024 was paid on xx/xx/2024 in the amount of $2,891.64.<br> The second installment of county taxes for 2024 is due on xx/xx/2025 in the amount of $2,891.63.<br> No prior year's delinquent taxes have been found. | As per the review of payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $951.62, and the rate of interest is 4.00%. The current UPB per tape data is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> As per the review of payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB per tape data is xx.<br> Unable to determine the RFD.<br> As per the seller's tape data, the borrower was on the COVID-19 FB plan that was started on xx/xx/2020 and ended on xx/xx/2020. Further details are not provided. <br> The loan was modified on xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been initiated. <br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx. As per the modified term, the new principal balance is xx. The monthly P&I is $951.62 with an interest rate of 4.00% beginning on 8/xx/2010, and a maturity date isxx. The loan has been modified twice since origination. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final executed HUD. CE was tested based on seller provided unexecuted HUD at closing." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $296.40 exceeds the per diem interest charge or credit threshold $80.63."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date is xx, and the note date is xx, which is not consistent." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79278659 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $486.43 | Unavailable | Unavailable | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $627.62 | 10.300% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 41.839% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2019 | $93045.00 | $25445.40 | 4.500% | $303.90 | 07/xx/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active prior mortgage against the subject property in favor of xx.<br> There are five certificates of state tax lien against the borrower in the favor of the xx recorded on different dates.<br> The annual installments of county taxes for 2024 have been paid in the amount of $486.43 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The P&I is $303.90 with an interest rate of 4.50%. The current UPB is $63,705.11, and the deferred balance is xx.<br> The deferment agreement of 2021 is located at "xx."<br> The deferment agreement of 2023 is located at "xx" | Collections Comments:The current status of the loan is performing.<br> According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The P&I is $303.90 with an interest rate of 4.50%. The current UPB is xx, and the deferred balance is xx.<br> The foreclosure was initiated on the loan in 2023. The complaint was filed on xx. As per the comment dated xx, the foreclosure file was closed on xx due to the reinstatement of the loan. Further details not found.<br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender on xx.<br> As per seller tape data, the borrower's income is impacted by COVID-19, and a forbearance plan was started on xx, which was ended on xx/xx/2022. Further details not found.<br> According to comment dated xx/xx/2024, the reason for default is excessive obligation.<br> According to the PACER, the borrower, xx.<br>Foreclosure Comments:The foreclosure was initiated on the loan in xx. Further details not found.<br> Bankruptcy Comments:According to the PACER, the borrower, xx. | The modification agreement was made between the lender and borrower on xx, with the new principal balance of $93,045.00, the deferred balance of xx, and the interest-bearing amount of $67,600.00. The monthly P&I is $303.90 with an interest rate of 4.50% beginning on 7/xx/2019 and a maturity date of xx. The loan has been modified three times since origination. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the late fees test.<br> The loan has late fees that do not confirm to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not confirm to the requirements for the lender's license type in the state where the property is located.<br>The CE risk indicator is moderate as the loan is failing for Points Test. Total fees charged is $3,971.13 and allowed $3,487.50, it is over charged by +$483.63.<br>Fees Included:<br> Loan Discount Fee paid by Borrower: $2,964.38<br> Application Fee paid by Borrower: $360.00<br> Processing Fee paid by Borrower: $626.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $20.75"<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date is not consisted with note and final HUD-1." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2597184 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $1595.89 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1204.04 | 6.850% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 574 | Not Applicable | 34.645% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2011 | $166199.39 | Not Applicable | 4.500% | $961.71 | 07/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> There is a code enforcement lien found against the subject property in favor of the xx.<br> There are 2 UCC liens found against the subject property in favor of xx.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $1,595.86 on xx/xx/2025.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $1,595.89 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $961.71, and the interest rate is 4.500%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $961.71, and the interest rate is 4.500%. The UPB is xx.<br> The reason for default is not available.<br> The loan was modified on xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $961.71 with a modified interest rate of 4.500% starting on 7/xx/2011 and continuing until the new maturity date of xx. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Initial Escrow Acct Disclosure<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with itemization of fee is missing from the loan documents." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $103.44, allowed $69.92 and it is over charged by +$33.52."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance charge disclosed on Final HUD-1 as $257,816.17. Calculated finance charge is $257,941.60 for an under disclosed amount of -$125.43.<br>Loan failed TILA Foreclosure Rescission Finance charge of $257,816.17 exceeds disclosed finance charge of $257,906.60 for an under disclosed amount of -$90.43."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan document."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment penalty rider is missing from loan file. Deed of trust does not show any requirement of rider." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33499576 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3037.12 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $631.07 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Unavailable |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | Not Applicable | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $2946.00 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $368.42 and interest rate is 5.500%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $368.42 and interest rate is 5.500%. The UPB is xx.<br> The occupancy of the subject property is unable to be determined.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx. | This conventional fixed-rate mortgage originated on xx with a P&I of $631.07, a rate of interest of 8.25000%, and a maturity date ofxx. The current P&I, as per the tape as of 12/xx/2024, is $368.42, and the rate of interest is 5.500%. There is a difference in P&I and rate of interest with respect to note. The tape data indicates the latest modification was made on xx, with the maturity date xx. The loan modification document is missing from the loan file. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with itemization of fee is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan document. xx shows an estimated value of $xx. Current UPB $xx."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21224248 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5245.27 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 7.650% | 360 |  | xx | xx |  | HELOC | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There is a prior mortgage against the subject property that was originated on xx.<br> The first and second installments of county taxes for 2024 were paid in the amount of $5,245.27.<br> The water/sewer charges are paid.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $187.79 and the interest rate is 8.150%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is $xx. <br> The loan has been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a HELOC fixed-rate mortgage with an interest rate of 7.650% and a maturity date of xx. The P&I as per payment history is $187.79 and the interest rate is 8.150%. There is a difference in interest rate with respect to note data. The modification agreement is missing from the loan file. <br>| Note | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) "The original note along with lost note affidavit is missing from the loan file. The loan has been modified. The loan modification document is missing from the loan file." |  | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) "Borrower billing rights disclosure is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2) "HELOC disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20480832 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $13470.07 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Not Applicable | 8.150% | 360 |  | xx | xx |  | HELOC | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XX | Not Applicable | Unavailable | Not Applicable | Not Applicable | 7.400% | $495.33 | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a prior mortgage against the subject property in the amount of $750,000.00, which was originated on xx.<br> There is an IRS lien against the borrower in favor of the xx.<br> There are two state tax liens against the borrower in favor of xx.<br> There is an active judgment against the borrower in favor of xx.<br> The first and second installments of county taxes for 2024 were paid in the total amount of $13,470.07 on xx/xx/2024 and xx/xx/2024, respectively.<br> No prior year's delinquent taxes have been found. | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $495.33, and PITI is $495.33 with an interest rate of 7.40%. The current UPB is xx. | Collections Comments:The current status of loan is performing. <br> According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> CCs do not show damages. <br> No information has been found for FC and BK. <br> The RFD is not available.<br> As per tape data, the subject property is occupied by the borrower. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | <br> This is a HELOC fixed-rate mortgage with an interest rate of 8.250% and a maturity date of xx. The P&I as per payment history is $495.33 and the interest rate is 7.400%. There is a difference in interest rate with respect to note data. The modification agreement is missing from the loan file.  | Note<br> Right of Rescission | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) "The original note along with lost note affidavit is missing from the loan file. The loan has been modified. The loan modification document is missing from the loan file." |  | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) "BWR's billing rights disclosure is missing from the loan documents."<br> \* Missing HELOC Disclosures (RESPA) (Lvl 2) "HELOC disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47258801 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8682.80 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $3646.18 | $1970.83 | 5.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 57.617% | First | Final policy | Not Applicable | XX | 07/xx/2011 | $451592.65 | Not Applicable | 4.625% | $2176.39 | 07/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> There are 2 child support liens found against the borrower filed by different plaintiffs, which were recorded on different dates. The amount of the lien is not mentioned on the supporting document. <br> There are 3 civil judgments found against the borrower in the total amount of $21,941.51 filed by different plaintiffs, which were recorded on different dates.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the amount of $8,682.8 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $2,176.39, and the interest rate is 4.625%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $2,176.39, and the interest rate is 4.625%. The UPB is xx.<br> The reason for default is unable to be determined.<br> As per the tape data, the foreclosure was initiated on xx and has been removed. Further details were not provided.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan was modified on xx.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>Foreclosure Comments:As per the tape data, the foreclosure was initiated on xx and has been removed. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $1,639.48 with a modified interest rate of 2.000% starting on 07/xx/2011, which will be changed in 4 steps until the new maturity date of xx. The rate will change in 4 steps, which ends with 4.625% and P&I of $2,176.39. | Credit Report<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Missing credit report (Lvl 2) "Credit report doc is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer doc is missing from loan file." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2852278 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kansas | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $1050.28 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $458.49 | 9.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Unavailable | Not Applicable | Not Applicable |  |  | Not Applicable |  | Unavailable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | $52017.84 | Not Applicable | 6.000% | $321.85 | 03/xx/2009 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 was paid in the amount of $525.14 on xx/xx/2024.<br> The second installment of town taxes for 2025 is due in the amount of $525.14 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $321.85 with an interest rate of 6.00%. The current UPB is xx‬. | Collections Comments:The current status of the loan is performing.<br> As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $321.85 with an interest rate of 6.00%. The current UPB is xx.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender on xx.<br> No information has been found regarding foreclosure.<br> The RFD is not available.<br> According to the PACER, the borrower xx filed for bankruptcy under xx. The bankruptcy was discharged on xx and terminated on xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx. As per the voluntary petition schedule D xx, the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The POC was filed by xx. The chapter 13 xx plan was confirmed on xx. The borrower shall pay a monthly mortgage payment of xx to the trustee under the Chapter 13 plan. The bankruptcy was discharged on xx and terminated on xx. | This is a conventional fixed-rate mortgage with a P&I of $458.49, a rate of interest of 9.875%, and a maturity date of xx. The P&I as per payment history tape data is $321.85 and the rate of interest is 6.00%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data and document in the file located at xx .The modification agreement is missing from the loan file. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the latest TIL itemization in file." | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5535327 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $2408.72 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1481.85 | 6.900% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 51.415% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2012 | $215078.17 | $157700.00 | 2.000% | $173.76 | 01/xx/2012 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024/2025 is paid on xx/xx/2024 in the amount of $1,204.36.<br> The second installment county taxes for 2024/2025 are due on xx/xx/2025 in the amount of $1,204.36.<br> No prior year's delinquent taxes have been found. | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $231.53 with an interest rate of 4.00%. The current UPB is $31,706.45, and the deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $231.53 with an interest rate of 4.00%. The current UPB is $31,706.45, and the deferred balance is xx.<br> The loan was modified on xx.<br> The RFD is unable to be determined.<br> No repairs and damage have been found.<br> No records for bankruptcy and foreclosure have been found.<br> As per tape data, the subject property is occupied by the owner. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower and lender with an effective date of xx. The new modified unpaid principal balance is xx, and the deferred balance is xx. The modified monthly P&I of $173.76 with an interest rate of 2.000% starting on xx, which will be changed in 3 steps until the new maturity date of xx. The rate will change in 3 steps, which end with 4.000%. As per the forgiven document xx, the forgiven amount isxx, which exceeds 2% of the modified UPB. | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD is not signed by the borrower."<br> \* Property is Manufactured Housing (Lvl 3) "Home is not affixed. According to the appraisal report dated xx/xx/2006, the subject property type is a "manufactured home." The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. As per the final title policy schedule B, which is located at "xx" an exception is raised for notice of manufactured home (mobile home) or commercial coach installation on a foundation system recorded xx" | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed state regulations on the per diem interest amount test due to the per diem interest amount charged on the loan at $638.00 exceeding the threshold of $467.83 by $170.17."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on final TIL as $214,184.94. Calculated finance charge is $214,443.93 for an under disclosed amount of -$258.99. Reason for Finance charge under disclosure is unknown as the fee itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $214,184.94. Calculated finance charge is $214,408.93 for an under disclosed amount of -$223.99. Reason for Finance charge under disclosure is unknown as the fee itemization is missing."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The initial escrow account disclosure is not signed by the borrower."<br> \* TIL not hand dated (Lvl 2) "TIL not hand dated by the borrower." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34576415 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5317.92 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1986.57 | 8.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | No | Yes | Not Applicable | Not Applicable | 35.303% | First | Final policy | Not Applicable | XX | 09/xx/2010 | $472867.23 | Not Applicable | 5.000% | $1985.58 | 10/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The annual county taxes for 2023 were paid in the amount of $5,464.67 on xx/xx/2024.<br> The annual county taxes for 2024 are due in the total amount of $5,317.92 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,985.58 and interest rate is 5.000%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment in income.<br> The loan was modified on xx.<br> Unable to determine the current status of occupancy.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx, out of which xx is the interest-bearing amount. The borrower agreed to pay the modified monthly P&I of $1,985.58 with a modified interest rate of 5.000% starting on 10/xx/2010 and continuing until the new maturity date of xx. As per the modification agreement, the lender has reduced the amount of xx. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62108225 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $905.42 | Unavailable | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $315.49 | 7.950% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation | Not Applicable | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | xx | xx | Investor | Yes | Yes | No | 576 | Not Applicable | 13.937% | First | Short Form Policy | Not Applicable | Not Applicable | 07/xx/2012 | $44111.04 | Not Applicable | 3.950% | $199.64 | 08/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are two credit card judgments active against the borrower in favor of different plaintiffs in the total amount of xx.<br> The first installment of combined taxes for 2023 is paid in the amount of $453.00 on xx/xx/2024.<br> The second installments of combined taxes for 2023 is due in the amount of $453.00 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $199.64 and PITI is $343.47. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $199.64 and PITI is $343.47. The UPB is xx. <br> Collection comment does not state RFD.<br> As per seller's tape data the subject property is owner occupied.<br> The loan was modified on xx with new principal balance of xx <br> No evidence has been found regarding bankruptcy. <br> No evidence has been found regarding damage.<br> As per seller's tape data the foreclosure was initiated in xx. The complaint was filed on xx. The FC was put on hold due to loss mitigation. Further details not provided.<br>Foreclosure Comments:As per seller's tape data the foreclosure was initiated in xx. The complaint was filed onxx. The FC was put on hold due to loss mitigation. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx with new principal balance of xx. The borrower promises to pay the new modified P&I of $199.64 with the new fixed interest rate of 3.950% beginning from 8/xx/2012 to the new maturity date of xx. The lender has forgiven principal in the amount of xx. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81192067 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2859.32 | Unavailable | Not Applicable | No | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $695.14 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 556 | 563 | Unavailable | First | Final policy | Not Applicable | Not Applicable | 08/xx/2003 | $95806.21 | Not Applicable | 7.625% | $722.41 | 10/xx/2003 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 2024 county annual taxes were paid in the amount of $2,773.54 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $722.41 and interest rate is 7.625%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $722.41, and the interest rate is 7.625%. The UPB is xx.<br> The foreclosure was initiated in this loan in 2010, and the complaint located at xx was filed on xx, and the foreclosure sale was scheduled on xx. The lis pendens has been cancelled on the xx document located at xx.<br> According to the PACER, the borrower xx. The bankruptcy was discharged on xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx, and the complaint located at xx, and the foreclosure sale was scheduled on xx. The lis pendens has been cancelled on the xx document located at xx.<br> Bankruptcy Comments:According to the PACER, the borrowers xx. As per the voluntary petition schedule D , the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx The unsecured portion is $0.00. The bankruptcy was discharged on xx | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $722.41 with a modified interest rate of 7.625% starting on 10/xx/2003 and continuing until the new maturity date of xx. There is no deferred balance and principal forgiven amount. | Credit Application<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Application Missing (Lvl 2) "Final application signed by the borrower is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB xx."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 73820180 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Second | XX | $4213.39 | $4550.92 | Unavailable | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1503.10 | 5.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 32.203% | First | Final policy | Not Applicable | XX | 04/xx/2013 | $239568.37 | Not Applicable | 3.165% | $1208.94 | 05/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a notice of assessment lien against the subject property in favor of xx.<br> There is a junior mortgage against the subject property originated on xx.<br> The first installment of county-city annual taxes for 2024 is paid in the amount of $4,550.92 on xx/xx/2024.<br> The second installment of county annual taxes for 2024 is due in the amount of $4,550.92 on xx/xx/2025.<br> The county taxes (first and second installments) for 2022 and 2023 (second installment) have been delinquent in the total amount of $4,785.27, which was good through xx/xx/2025. | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are. The current P&I is $898.97 with an interest rate of 3.310%.The current UPB is xx, and the deferred balance is xx. The deferred document is located at xx. | Collections Comments:The current status of the loan is performing.<br> According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are. The current P&I is $898.97 with an interest rate of 3.310%. The current UPB is xx, and the deferred balance is xx.<br> As per tape data, foreclosure was initiated in 2013, and a complaint was filed on xx/xx/2013. Further details not found.<br> No evidence has been found regarding BK.<br> As per seller tape data, the borrower's income is impacted by COVID-19, and a forbearance plan was started on xx/xx/2020, which was ended on xx/xx/2021. Further details not found.<br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender onxx.<br> The RFD is not available. <br> Foreclosure Comments:As per tape data, foreclosure was initiated in xx, and a complaint was filed on xx. Further details not found.<br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower and lender with an effective date of xx. The new modified unpaid principal balance is xx. The modified monthly PITI of $1,208.94 with an interest rate of 3.165% starting on 5/xx/2013, which will be changed in 2 steps until the new maturity date of xx. The rate will change in 2 steps, which end with 3.31%. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58377242 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Illinois | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $4596.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1330.66 | $1886.58 | 6.125% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 792 | 800 | 38.896% | First | Final policy | Not Applicable | XX | 09/xx/2019 | $234100.21 | Not Applicable | 4.250% | $1015.11 | 09/xx/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a junior mortgage against the subject property in the favor of xx.<br> The first installment of county taxes for 2024/2025 was paid in the amount of $2,298.13 on xx/xx/2024.<br> The second installment of county taxes for 2024/2025 is due in the amount of $2,298.13 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $1,015.11 with an interest rate of 4.250%. The current UPB is $220,144.35 and the deferred balance is xx. The deferment agreement is located at "xx. | Collections Comments:The current status of loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx and the deferred balance is xx. <br> CCs do not show damages. <br> The loan was modified on xx.<br> No evidence has been found regarding BK and FC. <br> Unable to determine the reason for the default.<br> As per tape data, the subject property is occupied by the borrower. <br> As per seller tape data, the borrower's income is impacted by COVID-19, and a forbearance plan was offered to the borrower, which was started on xx and ended on xx. Further details not found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx with a UPB amount of xx. The monthly P&I is xx with an interest rate of 4.25% beginning on 9/xx/2019 and a maturity date of xx. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the latest TIL itemization in file." | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Elevated | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9210883 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3115.32 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Unavailable | $543.76 | 7.000% | 348 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Mobile Home | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | 09/xx/2012 | $55214.94 | Not Applicable | 7.000% | $343.12 | 09/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $3,115.32 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $343.12 and interest rate is 7.00%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per servicing comment dated xx/xx/2024, the subject property is owner occupied<br> The loan was modified on xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement made between the borrower xx. The modified monthly P&I of $343.12 with a modified interest rate of 7.00% starting on 09/xx/2012 and continuing until the new maturity date of xx. There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Property is Mobile Home (Lvl 2) "Home is affixed to the land. Appraisal report is missing. As per the seller's tape data and the property report, which is located at xx, the subject property type is manufactured home. The manufactured home rider and affidavit of affixation attached with the UT located at xx state that the manufactured home with VIN/Serial xx has been affixed to the permanent foundation." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58826205 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $12878.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2833.08 | $4507.60 | 6.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 35.668% | First | Final policy | Not Applicable | XX | 10/xx/2012 | $545562.56 | $90300.00 | 4.000% | $1837.08 | 10/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st installment of county taxes for 2024 is paid in the amount of $6,439.13 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $6,439.13 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,837.08, and the interest rate is 3.625%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,837.08, and the interest rate is 3.625%. The UPB is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The step modification agreement was signed between the borrower and lender with an effective date of xx<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx, out of which xx is the interest-bearing amount and the deferred amount is xx. The borrower agreed to pay the modified monthly P&I of $1,378.65 with a modified interest rate of 2.000% starting on 10/xx/2012, which will be changed in 03 steps until the new maturity date of xx. The rate will change in 03 steps, which ends with 4.000%. The borrower is making payment as per the document located at xx with P&I of $1,837.08 with a modified interest rate of 3.625%. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD missing. File missing final HUD. CE was tested using the settlement statement in file." | \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, If the index is no longer available, the note holder will choose a new index that is based upon comparable information. The Note holder will give notice of this choice." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99569100 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $339.37 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $400.18 | 10.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | No | Unavailable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 686 | 733 | 41.779% | First | Final policy | Not Applicable | XX | 01/xx/2019 | $31795.31 | Not Applicable | 4.625% | $145.50 | 01/xx/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments and liens have been found.<br> There is one senior mortgage against the subject property in the favor of xx.<br> Combined annual taxes for the year of 2024 have been paid in the amount of $339.37.<br> No prior year delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $145.50 with an interest rate of 4.625%. The current UPB is xx. | Collections Comments:The loan is performing. <br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The loan was modified between the borrower and lender on xx with the modified principal balance of xx.<br> The reason for default is not available.<br> As per the death certificate located at "xx", the borrower xx.<br> The borrower xx had filed bankruptcy under xx. The plan was confirmed on xx. The borrower was discharged on xx and the case was terminated on xx.<br> Subject property occupancy is unable to be determined.<br> No damage and repairs have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower xx. The plan was confirmed on xx. POC was filed by xx on xx with the secured claim amount of xx. The borrower was discharged on xx and the case was terminated on xx. | The loan was modified between the borrower and lender on xx with the modified principal balance of xx. The borrower has promises to pay in the amount of $145.50 with an interest rate of 4.625% beginning from 01/xx/2019 till the new maturity date of xx. There is no deferred balance and principal forgiven amount. |  | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) "Home is not affixed. According to the appraisal report dated xx/xx/1999, the subject property is a "manufactured home." The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. We are unable to confirm whether the home is attached to the land or not." |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the lender fees test due to fees charged $470.55 exceeds fees threshold of $150.00 over by +$320.55. <br> The below fees were included in the test:<br> Processing Fee paid by Borrower: $120.00<br> Underwriting Fee paid by Borrower: $340.00<br> Courier / Messenger Fee paid by Borrower: $10.55." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28496339 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Second |  | $0.00 | $3107.96 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $697.58 | 7.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 670 | Unavailable | 43.037% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2011 | $99845.39 | Not Applicable | 2.000% | $412.68 | 08/xx/2011 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a code enforcement lien found against the subject property in favor of the xx. The amount of the lien is not mentioned on the supporting document.<br> The first installment of county taxes for 2024/2025 was paid in the amount of $1,553.98.<br> The second installment of county taxes for 2024/2025 is due in the amount of $1,553.98.<br> No prior year's delinquent taxes have been found. | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $516.45 and the interest rate is 4.500%.<br>| Collections Comments:The loan is currently performing and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is 516.45 and the interest rate is 4.500%.<br> The loan has been modified.<br> The foreclosure was not initiated. <br> The borrower, xx, filed for bankruptcy under Chapter 7 with case #xx. The bankruptcy was discharged on xx, and the case was terminated on xx.<br> As per the seller's tape, the subject property is owner occupied.<br> As per the comment dated xx/xx/2023, the reason for default is death of primary borrower.<br> As per the comment dated xx/xx/2023, the borrower xx is deceased on xx/xx/2022. <br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrower, xx. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy was discharged on xx, and the case was terminated on xx.<br>| The modification agreement was made on 8/xx/2011 between the borrowers, "xx" As per the modified terms, the new principal balance is xx. There are 4 steps of modification. The borrower agreed to pay the P&I of $412.68 and an interest rate of 2.000%, beginning on 8/xx/2011. The maturity date is 5/xx/2037. | Balloon Rider<br> HUD-1 Closing Statement | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) "Home not affixed. As per the appraisal located at xx" the subject property type is manufactured home. The final title policy does not show ALTA 7 endorsement. The legal of mortgage does not show the VIN#. The Affidavit of Affixation is not available in the loan file. We are unable to verify whether the subject property has been permanently attached to the foundation or not." | \* Balloon Rider Missing (Lvl 3) "Balloon rider is missing from the loan documents."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the latest TIL itemization in file." | \* Credit score not provided (Lvl 2) "Credit Score is not Provided"<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62935259 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2412.19 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $698.68 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Unavailable |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Manufactured Housing | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $2,412.19 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $698.68 and interest rate is 8.250%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> Unable to determine the current status of occupancy.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrower filed for bankruptcy under Chapter xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the xx. | Not Applicable | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL signed by the borrower is missing from loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB xx"<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per seller's tape data, the property type is manufactured housing. Appraisal report is missing from the loan file. The ALTA 7 endorsement is attached to the final title policy located at "xx". Manufactured Home Rider attached with mortgage located at "xx" |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 394512 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $3871.94 | Unavailable | xx | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1485.87 | 8.000% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 635 | Not Applicable | 43.133% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2010 | $216688.34 | $64200.00 | 2.000% | $461.77 | 07/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 21 state tax liens found against the borrower in the total amount of $18,604.96 filed by different plaintiffs, which were recorded on different dates.<br> There is a credit card judgment found against the borrower in favor of xx.<br> There is a code enforcement lien found against the subject property in favor of the xx.<br> There is a notice of assessment for the open PACE program (xx) against the subject property in the amount of $23,500.09, which was recorded on xx/xx/2019.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of $1,935.97 on xx/xx/2025.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $1,935.97 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The rate of interest is 5.125%, and the P&I payment is $708.10. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The rate of interest is 5.125%, and the P&I payment is $708.10. The current UPB is xx.<br> The foreclosure was initiated in 2009, and the Lis Pendens xx was filed on xx. The cancellation of lis pendense was cancelled on xx. No further details have been found. <br> No evidence has been found regarding BK.<br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender on xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is illness of the borrower.<br>Foreclosure Comments:The foreclosure was initiated in 2009, and the Lis Pendens xx. The cancellation of lis pendens xx. Again, the foreclosure was initiated in xx. The cancellation of lis pendense was cancelled on xx. No further details have been found. <br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrower,xx, with the new modified unpaid principal balance being xx, out of which xx is the interest-bearing amount and the deferred amount is $64,200.00. The borrower agreed to pay the modified monthly P&I of $461.77 with a modified interest rate of 2.00% starting on 7/xx/2010, which will be changed in 5 steps until the new maturity date of 6/xx/2050. The rate will change in 5 steps, which ends with 5.125%. The deferred balance is eligible for forgiveness. | HUD-1 Closing Statement<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the estimated copy of HUD."<br> \* Property is Manufactured Housing (Lvl 3) "As per the appraisal report located at xx, the subject property is a manufactured home. The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. As per the final title policy schedule B, which is located at xx an exception is raised for notice and certificate of occupancy for mobile home installation on a foundation system (HCD 433A 4/86) recorded xx | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "The initial escrow account disclosure is not signed by the borrower."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45538506 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $616.57 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $570.03 | 9.910% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 45.308% | First | Final policy | Not Applicable | Not Applicable | 02/xx/2013 | $63892.27 | Not Applicable | 9.910% | $613.59 | 02/xx/2013 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 03 state tax liens against the borrower xx.<br> There is a credit card judgment against the borrower in favor of xx.<br> The annual county taxes for 2024 were paid in the amount of $616.57 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $613.59 with an interest rate of 9.910%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:The current status of the loan is active bankruptcy.<br> According to the payment history of tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> The reason for default is not available in the latest servicing comments.<br> The loan was modified on xx.<br> According to the PACER, the bankruptcy was filed under xx. The bankruptcy is still active.<br> As per the comment dated xx/xx/2024, the subject property needs some repairs. Unable to determine the actual repairs. As per the comment dated xx/xx/2024, the loss draft check #66299703, for $7015.32, was received on xx/xx/2024. No evidence has been found for repairs completion. <br> As per the tape data, the subject property is owner-occupied.<br> No comments have been found for foreclosure.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx. The amended chapter 13 xx. The borrower shall pay a monthly mortgage payment ofxx. Motion to dismiss case xx. | The modification agreement was made between the lender and borrower on xx. As per the modified term, the new principal balance is xx. The borrower promises to pay $613.59 monthly with a modified interest rate of 9.910% beginning on 2/xx/2013 with a maturity date of xx. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the late fees test due to late fees calculated 6.000% exceed late fees threshold of 5.000% over by +1.000%. Loan failed state regulations for the prepayment term test due to the loan has prepayment of 36 months."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $143,118.22. Calculated finance charge is $143,177.14 for an under disclosed amount of -$58.92. Reason for finance charge under disclosure is unknown as the fee itemization is missing."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52738924 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1540.58 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $908.12 | 9.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 08/xx/2015 | $95233.84 | Not Applicable | 2.000% | $604.22 | 08/xx/2015 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a civil judgment found against the borrower in favor of xx. in the amount of $2,205.31, which was recorded on xx/xx/2011.<br> The annual county taxes for 2024 were paid in the amount of $1,494.36 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $663.40, and the interest rate is 4.000%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $663.40, and the interest rate is 4.000%. The UPB is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers xx. The borrower has promised to make monthly mortgage payments of xx. The plan reflects an arrearage for subject loan totals xx, and the trustee has committed to pay monthly payments of $300.00 toward the arrearage. The bankruptcy was discharged on xx. | The step modification agreement signed between the borrower, xx, with an effective date of xx, shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $604.22 with a modified interest rate of 2.000% starting on 08/xx/2015, which will be changed in 3 steps until the new maturity date of 07/xx/2030. The rate will change in 3 steps, which ends with 4.00%. There is no principal forgiven and deferred amount. | HUD-1 Closing Statement<br> Prepayment Penalty Rider<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of rescission is missing from loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44735680 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $21501.36 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4206.18 | 4.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 23.718% | First | Final policy | Not Applicable | Not Applicable | 04/xx/2022 | $569752.62 | Not Applicable | 3.500% | $2207.17 | 03/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a prior mortgage against the subject property in the amount of xx.<br> There is a junior mortgage active against the subject property in the amount of xx.<br> There are 2 IRS liens active against the borrower xx.<br> There is a civil judgment active against the borrower xx.<br> The 1st installment of county taxes for 2024 was paid on xx/xx/2024 in the amount of $10,750.68.<br> The 2nd installment of county taxes of 2024 is due in the amount of $10,750.68.<br> No prior years taxes have been found delinquent. | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $2,207.17 and the interest rate is 3.500%. | Collections Comments:The current status of the loan is performing, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $2,207.17 and the interest rate is 3.500%.<br> Unable to determine the reason for the default. As per the comment dated xx/xx/2022, the property is owner occupied. No evidence for foreclosure and bankruptcy has been found. <br> No repairs and damages have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx. As per the modified term, the new principal balance is xx. The borrower promises to pay $2,207.17 monthly with a modified interest rate of 3.500%, beginning on 3/xx/2022 with a maturity date of 3/xx/2062. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan documents. CE was tested using the final disbursement statement in the file."<br> \* Missing Appraisal (Lvl 3) "Appraisal is missing." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $210.20 exceeds the per diem interest charge or credit threshold $-621.96."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test due to APR calculated 0.000% exceeds APR threshold 4.633% under disclosed by -4.633%."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45772514 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $4912.66 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1983.58 | 1.675% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 671 | Not Applicable | 24.679% | First | Final policy | Not Applicable | XX | 12/xx/2013 | $549514.23 | $166494.96 | 4.125% | $1570.74 | 12/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is one UCC finance statement found against the borrower in favor of xx.<br> The 1st installment of county tax for 2024-2025 was paid in the amount of $2,456.33 on xx/xx/2024.<br> The 2nd installment of county tax for 2024-2025 is due in the amount of $2,456.33 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the tape data payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,570.74, and the interest rate is 4.125%. The UPB is $xx. The total deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is $318,011.10 and total deferred balance is xx.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under xx. The borrower was discharged on xx.<br> The modification agreement was signed between the borrower and lender with an effective date of xx.<br> As per the tape data, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br> As per the tape data, the borrower's income was impacted by Covid-19. The borrower was on a COVID-19 forbearance plan from xx/xx/2020 to xx/xx/2021.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowerxx. As per the voluntary petition schedule D xx, the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The borrower was discharged on xx and terminated on xx. | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The deferred balance is $166,494.96, and the interest-bearing amount is $383,019.27. The borrower agreed to pay the modified monthly P&I of $1,159.88 with a modified interest rate of 2.000% starting on 12/xx/2013, which will be changed in 4 steps until the new maturity date of 11/xx/2053. The rate will change in 4 steps, which ends with 4.125%. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan documents and itemization is available at xx | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount test Total fees charged is $3,407.40 and allowed $809.10. It is over charged by +$2,598.30.<br> This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)<br> The per diem interest amount charged on the loan ($3,407.40) exceeds the per diem interest charge or credit threshold ($809.10).<br> PLEASE NOTE: An additional $1 buffer was not included in the per diem interest charge or credit threshold displayed above based on<br> the client preferences configured on the per diem interest settings page" |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21259273 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8885.67 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $926.50 | 4.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 29.589% | First | Final policy | Not Applicable | Not Applicable | 03/xx/2023 | $138317.35 | $29285.18 | 7.500% | $717.51 | 03/xx/2023 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx.<br> There is a junior mortgage against the subject property which was originated on xx.<br> Annual county taxes for 2024 were paid in the amount of $3022.65.<br> Annual school taxes for 2024 were paid in the amount of $3138.98.<br> Annual utility charges for 2024 were paid in the amount of $2724.04.<br> No prior year delinquent taxes have been found. | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $717.51 and the interest rate is 7.500%. | Collections Comments:The current status of the loan is performing.<br> According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The modification agreement was made between the lender and borrower on xx. <br> As per the comment dated xx/xx/2024, the property is owner occupied. <br> No evidence regarding the foreclosure and bankruptcy has been found. <br> As per the comment dated xx/xx/2024, the property was damaged due to wind. The date of loss is xx/xx/2024. The insurance was filed. The estimated cost to repair the damage are $8,056.78. No comments have been found stating the damages have been repaired. As per the seller tape, the borrower's income was impacted by covid. The Fb was offered that began from xx/xx/2021 to xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx. As per the modified term, the new principal balance is xx. The borrower agreed to pay monthly P&I in the amount of $717.51 with an interest rate of 7.500%, beginning from 3/xx/2023. The maturity date is 8/xx/2033. There is a deferred balance of $29,285.18 and interest bearing amount of $109,032.17. The interest bearing amount will be re-amortized over 480 months. The loan has been modified twice since origination. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74586557 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $16891.32 | Unavailable | Unavailable | No | Bankruptcy | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $3332.52 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 30.569% | First | Final policy | Not Applicable | Not Applicable | 09/xx/2022 | $952985.78 | $312985.78 | 2.750% | $2199.86 | 09/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 02 junior mortgages against the subject property. The first junior mortgage in favor of xx, which originated on xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $8,445.66 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $8,445.66 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $2,199.86, and the interest rate is 2.750%. The UPB is $615,697.61. As per the tape data, the deferred amount is xx. | Collections Comments:The current status of the loan is active bankruptcy.<br> As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $2,199.86, and the interest rate is 2.750%. The UPB is xx.<br> The reason for the default is not available.<br> The loan was modified on xx.<br> The foreclosure was initiated in this loan in 2016. The foreclosure case has been cancelled on xx. The notice of default located at xx was filed on xx. As per the notice of rescission of notice of default dated xx, the foreclosure case has been canceled on xx. Again, the foreclosure case is resumed in xx. The notice of default located at xx. As per the notice of trustee sale document located at xx. As per servicing comment dated xx, the foreclosure has been placed on hold as the borrower filed for bankruptcy under chapter 11 on xx, and bankruptcy is still active. As per the notice of rescission of notice of default dated xx, located at xx, the foreclosure case has been canceled on xx.<br> According to the PACER, the borrower xx, and bankruptcy is still active.<br> No information has been found regarding the forbearance plan.<br> As per the servicing comment dated xx/xx/2023, the litigation matter has been found. As per servicing comment dated xx/xx/2023, the litigation matter has been resolved on xx/xx/2023.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the property is owner-occupied.<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx. The foreclosure case has been cancelled on xx. The notice of default located at xx, the foreclosure sale was scheduled for xx. As per servicing comment dated xx/xx/2023, the foreclosure has been placed on hold as the borrower filed for bankruptcy under chapter 11 on xx, and bankruptcy is still active. As per the notice of rescission of notice of default dated xx.<br> Bankruptcy Comments:According to the PACER, the borrower xx, the amount of the claim without deducting the value of the collateral is xx. The court approved the loan modification. The borrower shall pay a monthly mortgage payment of xx per month with interest at 2.75% for 40 years of the note, fully amortized to the trustee under the chapter 11 plan. The plan is not confirmed yet, and bankruptcy is still active. | This modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx out of which $640,000.00 is interest bearing amount and deferred amount is $312,985.78. The borrower agreed to pay the modified monthly P&I of $2,199.86 with a modified interest rate of 2.750% starting on 09/xx/2022 and continuing until the new maturity date of 08/xx/2062. There is no principal forgiven amount. | Loan Program Info Disclosure<br> Right of Rescission | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan, $1,350.00, exceeding the per diem interest charge or credit threshold of $205.50."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72493827 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other | XX | $0.00 | $8260.04 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2751.27 | 6.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 582 | Not Applicable | 26.886% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2022 | $413196.32 | Not Applicable | 3.375% | $1569.86 | 01/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 04 HOA liens found against the subject property in the total amount of xx, which were recorded on different dates.<br> There is an IRS lien on the subject property in favor of the xx, which was recorded on xx/xx/2019.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $4,130.02 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $4,130.02 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,569.86 and PITI is $2,331.29. The UPB is xx. <br> The deferred agreement is located at xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,569.86 and PITI is $2,331.29. The UPB is xx. <br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per servicing comment dated xx/xx/2023, the borrower's income has been impacted due to Covid-19 pandemic.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $1,569.86 with a modified interest rate of 3.375% starting on 01/xx/2022 and continuing until the new maturity date of 12/xx/2061. There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39634485 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $2371.84 | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1164.00 | 1.825% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 690 | 665 | 27.806% | First | Final policy | Not Applicable | XX | 11/xx/2011 | $348196.66 | Not Applicable | 2.000% | $1098.85 | 11/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $1,185.93 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 was due in the amount of $1,185.91 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $1,484.91 and the interest rate is 4.250%. | Collections Comments:The current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is $267,344.97. The current P&I is $1,484.91 and the interest rate is 4.250%.<br> The reason for default is not available.<br> The foreclosure was initiated in 2011. The notice of default located at xx. As per the notice of rescission document located at xx, the foreclosure has been cancelled. Further details were not provided.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The loan was modified on xx.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>Foreclosure Comments: The foreclosure was initiated in xx. The notice of default located atxx, the foreclosure has been cancelled. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $1,098.85 with a modified interest rate of 2.000% starting on 11/xx/2011, which will be changed in 4 steps until the new maturity date of 5/xx/2049 the rate will change in 4 steps, which ends with 4.250%. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD missing. File missing final HUD. CE was tested using the estimated closing statement in the loan file." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Mortgage Riders incomplete / inaccurate (Lvl 2) "Mortgage riders are incomplete."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11922486 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4351.52 | Unavailable | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4019.52 | 8.990% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 532 | Not Applicable | 45.075% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens found.<br> The first installment of county taxes for 2024-2025 was paid in the amount of $2,175.76 on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of $2,175.76 on xx/xx/2025.<br> As per the updated title report, no prior year taxes are delinquent. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $962.28 and interest rate is 4.000%. The UPB is xx. Tape shows the deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. As per tape, the current P&I is $962.28, and the interest rate is 4.000%. The UPB is xx.<br> The loan modification agreement was made between the borrower and lender on xx.<br> The foreclosure was initiated in xx with the loan. The notice of lis pendens shows that the foreclosure complaint was filed on xx in favor of xx. The notice of rescission of notice of default was filed on xx and the FC has been cancelled. Further details not available.<br> No bankruptcy-related details have been found.<br> As per the comment dated xx/xx/2022, the reason for default was curtailment of income.<br> As per the Covid-19 deferment letter located at xx. Further details not available.<br> As per the seller's tape, the subject property is an investment.<br> Information regarding the damage and repair is not available in the latest servicing comments.<br> Foreclosure Comments:The foreclosure was initiated in xx with the loan. The notice of lis pendens shows that the foreclosure complaint was filed on xx in favor of "xx," which was recorded on xx. The notice of rescission of notice of default was filed on xx, which was recorded on xx and the FC has been cancelled. Further details not available.<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM mortgage with an original P&I of $4,019.52 and an interest rate of 8.99%. The current P&I per PH is $962.28 with an interest rate of 4.000%. As per the seller's tape data, the loan has been modified on xx. As per tape data the lender has forgiven principal in the amount of $169,191.38 and the deferred principal balance is $181,004.92. The modification agreement is missing from the loan file. | Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $246.30 exceeds the per diem interest charge threshold of $-123.15."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29566173 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second | XX | $0.00 | $6383.67 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1497.51 | 1.400% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 562 | Not Applicable | 40.988% | First | Final policy | Not Applicable | Not Applicable | 02/xx/2017 | $365959.30 | $73141.13 | 4.000% | $1314.10 | 03/xx/2017 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There is a notice of assessment lien against the subject property in favor of the xx.<br> There is one junior mortgage against the subject property in favor of xx.<br> There are three state tax liens against xx, which was recorded on different dates. The SSNs mentioned in all the supporting documents are inconsistent with the borrower's SSN. <br> There are two junior credit card judgments against xx, which was recorded on different dates. The SSNs mentioned in all the supporting documents are inconsistent with the borrower's SSN.<br> There are two child support liens against xx in different favor, which were recorded on different dates. The SSNs mentioned in all the supporting documents are inconsistent with the borrower's SSN. <br> There is a certificate of tax lien (state tax lien) against the borrower xx. This state claims a lien upon all property and rights to property belonging to said taxpayer. <br> The first installment of county taxes for 2024 was paid in the amount of $6,383.67, and the second installment of county taxes is due on xx/xx/2025 in the amount of $6,383.68. No prior year delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $1,445.04 with an interest rate of 4.750%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is $259,401.51 and the deferred balance is xx. As per the tape data, the borrower was on the COVID-19 FB plan that was started on xx/xx/2020 and ended on xx/xx/2020. Further details are not provided. The loan was modified on xx with principal balance of xx. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The recast modification agreement was made on xx between the borrower and lender with the unpaid principal balance of xx. The interest-bearing amount is $292,818.17, and the deferred principal balance is $73,141.13. The debtor has promised to pay a monthly payment in the amount of $1,314.10 with an interest rate of 4.00%, which steps up in 2 steps ending at 4.75% beginning on 03/xx/2017, and the new maturity date is 02/xx/2051. | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test . Total fees charged is $480.94 and allowed $68.44 over charged by +$412.50."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from loan documents. Zillow search shows an estimated value of $1.1M. Current UPB xx."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80701347 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2116.00 | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $568.40 | 1.475% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | Not Applicable | 31.036% | First | Final policy | Not Applicable | XX | 11/xx/2012 | $222613.80 | $37800.00 | 3.250% | $755.11 | 10/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st, 2nd, 3rd installments of county taxes for 2025 were paid in the total amount of $1,589.60 on xx/xx/2024, xx/xx/2024 and xx/xx/2025.<br> The 4th installment of county taxes for 2025 is due in the total amount of $529.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $778.13 and interest rate is 3.50%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> The loan was modified on xx.<br> As per tape data, the property is owner-occupied.<br> As per tape data, the foreclosure was initiated in 2012 with the loan. The foreclosure was started on xx/xx/2012. No further details were found.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:As per tape data, the foreclosure was initiated in xx with the loan. The foreclosure was started on xx. No further details were found.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx is interest bearing amount and deferred amount is $37,800.00. The borrower agreed to pay the modified monthly P&I of $755.11 with a modified interest rate of 3.250% starting on 11/xx/2012, which will be changed in 2 steps until the new maturity date of 04/xx/2046. The rate will change in 2 steps which ends with 3.500%. There is no principal forgiven amount. | Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure signed by the borrower is missing from loan file." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6819520 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $14921.17 | Unavailable | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3465.82 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 14.095% | First | Final policy | Not Applicable | XX | 09/xx/2013 | $1157541.53 | Not Applicable | 3.500% | Unavailable | 10/xx/2013 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> There are 8 state tax liens found against the subject borrower in the total amount of xx, which were recorded on different dates.<br> The 1st installment of county taxes for 2024/25 was paid in the amount of $7,460.59 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/25 is due in the amount of $7,460.58 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. Details of the last payment received are not available. As per tape, the current P&I is $2,775.68, and the interest rate is 3.35%. The UPB is xx. | Collections Comments:The current status of the loan is collection.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The UPB is xx.<br> The loan was modified on xx.<br> The reason for the default is not available.<br> As per the tape data, the foreclosure was initiated with the loan on xx, and the status of FC is removed.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:As per the tape data, the foreclosure was initiated with the loan on xx, and the status of FC is removed. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx, out of which $745,000.00 is the interest-bearing amount. The borrower agreed to pay the modified monthly P&I of $2,413.08 with a modified interest rate of 2.393% starting on 10/xx/2013, which will be changed in 2 steps until the new maturity date of 09/xx/2053. The rate will change in 2 steps, which ends with 3.35%. As per the modification agreement, the lender has forgiven principal in the amount of $412,541.53. There is no deferred balance. | Balloon Rider<br> Credit Report<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 along with itemization of fee is missing from loan file." | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from loan file."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for per diem interest amount test. Total fees charged is $288.89, allowed $72.22 and it is over charged by +$216.67."<br> \* Missing credit report (Lvl 2) "Credit report doc is missing from loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50894788 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7371.52 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2547.19 | 6.175% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 26.625% | First | Short Form Policy | Not Applicable | Not Applicable | 08/xx/2023 | $475917.28 | Not Applicable | 7.000% | $2957.50 | 08/xx/2023 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is civil judgment found against the borrower in favor of xx.<br> The 1st and 2nd installments of county taxes for 2025 were paid in the total amount of $7,371.52 on xx/xx/2024 and xx/xx/2024.<br> The annual utilities charges for 2024 have been paid in the amount of $354.81 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,829.66 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,957.50 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The loan was modified on xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is excessive obligations.<br> As per servicing comment dated xx/xx/2023, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $2,957.50 with a modified interest rate of 7.000% starting on 08/xx/2023 and continuing until the new maturity date of 07/xx/2063. There is no deferred balance and principal forgiven amount. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24584376 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2427.55 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3059.80 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Not Applicable | Not Applicable | Not Applicable | 764 | Not Applicable | 21.555% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active liens and judgments have been found against borrower and property.<br> The first, second and third installments of county taxes for 2025 were paid in the total amount of $1,823.26.<br> The fourth installment of county taxes for 2025 is due in the amount of $606.89 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $2,343.35 and PITI is $2,566.53. The UPB is $xx and deferred balance is xx. The deferment agreement was located at "xx". | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $2,343.35 and PITI is $2,566.53. The UPB is xx and deferred balance is xx. <br> Unable to determine current occupancy of the subject property.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br> As per tape data, the borrower's income was impacted by covid-19. The servicer provided a forbearance plan from xx/xx/2020 to xx/xx/2020. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This conventional fixed-rate mortgage originated on xx with a P&I of $3,059.80, a rate of interest of 8.000% and a maturity date of 6/xx/2038. The current P&I, as per the latest payment history as of 12/xx/2024, is $2,343.35 and the rate of interest is 5.250%. There is a reduction in P&I and interest rates with respect to note data. As per tape the loan was modified on xx. The modification agreement is missing from the loan file. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "A review of the appraisal report shows the subject is a condotel. Subject is a unit in the xx. The project has a rental program and commercial amenities like a salon, a restaurant, outdoor heated spas, a business center, and a meeting facility." | \* TIL not hand dated (Lvl 2) "Final TIL is not hand-dated by the borrower." |  | Minimal | Not Covered | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75695390 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $8754.70 | Unavailable | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1790.73 | 1.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 41.770% | First | Short Form Policy | Not Applicable | XX | 12/xx/2011 | $569292.67 | $180000.00 | 2.000% | $1178.88 | 11/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $4,377.35 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of $4,377.35 on xx/xx/2025.<br> The annual water charges for 2025 have been due in the amount of $224.14 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,570.88 and interest rate is 4.000%. The UPB is xx and deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx and deferred balance is xx.<br> The step modification agreement was signed between the borrower and lender with an effective date of xx.<br> The reason for the default is not available in the latest servicing comments.<br> The foreclosure was initiated in this loan in 2010 and the notice of default located at xx. As per the notice of trustee's sale located at xx, the foreclosure sale was scheduled for xx. The notice of rescission is located at xx, shows the foreclosure case is cancelled.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:The foreclosure was initiated in this loan in 2010 and the notice of default located at xx. As per the notice of trustee's sale located at xx. The notice of rescission is located at Lnxx, shows the foreclosure case is cancelled.<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx, out of which $389,292.67 is the interest-bearing amount and the deferred amount is $180,000.00. The borrower agreed to pay the modified monthly P&I of $1,178.88 with a modified interest rate of 2.0% starting on 12/xx/2011, which will be changed in 3 steps until the new maturity date of 11/xx/2051. The terms will change in 3 steps, which ends with an interest rate of 4.00% and P&I of $1,570.88. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the per diem interest amount test due to fees charged $2,163.61 exceeds fees threshold of $403.33 over by +$1,760.28."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24172381 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $26283.89 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $20102.48 | 1.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 56.535% | First | Short Form Policy | Not Applicable | XX | 07/xx/2022 | $5348523.02 | Not Applicable | 4.125% | $22771.13 | 07/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There is a junior mortgage that was originated on xx.<br> There is a credit card judgment against the borrower in favor of xx. The SSN is inconsistent on the supporting document.<br> There is a civil judgment against the borrower in favor of xx. The SSN is inconsistent on the supporting document.<br> The first installment of county taxes for 2024 was paid in the amount of $13,141.95.<br> The second installment of county taxes for 2024 is due in the amount of $13,141.94 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $22,771.13 and the interest rate is 4.125%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. <br> The loan has been modified on xx.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> As per the seller's tape, the Covid forbearance plan was approved from xx/xx/2020 to xx/xx/2021. <br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made on xx between the borrowers, xx As per the modified terms, the new principal balance is xx. The borrower agreed to pay the P&I of $22,771.13 and an interest rate of 4.125% beginning on 7/xx/2022 until the maturity date of 6/xx/2062.<br>| HUD-1 Closing Statement<br> Loan Program Info Disclosure | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the estimated HUD in file." | \* Final TIL Date after actual transaction date (Lvl 2) "Borrower hand-dated and hand-signed the final TIL on xx/xx/2007, which is after the actual transaction date of xx."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Subject loan is ARM note. Loan program disclosure is missing from loan file."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR is hand signed by the borrower, dated xx/xx/2007, and the note date is xx." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56104384 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $5915.00 | 11/xx/2024 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $365.80 | 8.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | Second | Final policy | XX | Not Applicable | 12/xx/2013 | $23714.11 | Not Applicable | 1.000% | $69.01 | 12/xx/2023 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a prior mortgage against the subject mortgage which was originated on xx/xx/2007 in favor of xx.<br> There are 22 utility liens against the subject property in the total amount of xx, which were recorded on different dates.<br> The annual county taxes of 2024/2025 was paid on xx/xx/2024 in the amount of $2,957.50.<br> The annual county taxes of 2024/2025 is due in the amount of $2,957.50 on xx/xx/2025.<br> No prior year taxes are delinquent. | As per the seller' tape of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $97.74 which was applied for xx/xx/2024. The current P&I is $97.74 with an interest rate of 4.4750%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing. As per the seller' tape of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB reflected as per payment history is $15,648.67.<br> The loan was modified on xx with the fixed amortization with the new principal balance of $xx. <br> No records for bankruptcy have been found. <br> As per seller tape data, the subject property is owner occupied. <br> As per tape data, foreclosure was initiated and complaint was filed on xx. Further details not found. No repairs and damage have been found. <br>Foreclosure Comments:As per tape data, foreclosure was initiated and complaint was filed on xx. Further details not found. <br> Bankruptcy Comments:Not Applicable | The step modification agreement was signed between the borrowers, xx, and the new modified unpaid principal balance is xx, and the lender agrees to forgive $21,029.49. The interest-bearing amount is $23,714.11. The modified monthly P&I of $69.01 with an interest rate of 1.000% starting on 12/xx/2013, which will be changed in 5 steps until the new maturity date of 08/xx/2047. The rate will change in six steps, which ends with 4.475%. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB is xx"<br> \* Right of Rescission missing or unexecuted (Lvl 2) "Right of rescission is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97964342 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2832.75 | Unavailable | Unavailable | No | Loss Mitigation | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $935.74 | 4.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 02/xx/2017 | $136106.74 | Not Applicable | 3.000% | $487.24 | 02/xx/2017 | Financial Hardship | According to updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is junior mortgage against the subject property originated on xx.<br> 1st installment of county taxes for 2024 was paid in the amount of $508.55 on xx/xx/2024.<br> 2nd installment of county taxes for 2024 was paid in the amount of $2,324.20 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with loan, and the next due date is xx/xx/2025. Unable to determine the last payment date. The current P&I is $487.24 with an interest rate of 3.000%. The current UPB is $xx and the deferred balance is $xx.<br>| Collections Comments:The loan is currently performing.<br> According to payment history as of xx/xx/2024, the borrower is current with loan and the next due date is xx/xx/2025. The UPB is xx. <br> As per servicing comment dated xx/xx/2023, the foreclosure was initiated in 2023. According to the comment dated xx/xx/2023, the FC sale date was scheduled for xx/xx/2023. As per servicing comment dated xx, the foreclosure case closed for reinstatement. Further details not provided.<br> As per PACER, the borrower xx.<br> As per collection comment dated xx/xx/2023, the RFD is payment dispute.<br> The loan was modified on xx/xx/2017.<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:As per servicing comment dated xx, the foreclosure was initiated in 2023. According to the comment dated xx/xx/2023, the FC sale date was scheduled for xx. As per servicing comment dated xx, the foreclosure case closed for reinstatement. Further details not provided.<br> Bankruptcy Comments:As per PACER, the borrower xx on xx. As per the schedule-D of voluntary petition dated xx/xx/2005, the amount of claim is xx and the value of collateral is xx. The BK was discharged on xx. | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $487.24 with a modified interest rate of 3.000% starting on 2/xx/2017 and continuing until the new maturity date of 1/xx/2057. There is no deferred balance and principal forgiven amount. | Credit Report<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents." | \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80328187 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3866.14 | Unavailable | xx | No | Unavailable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $804.10 | 1.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 679 | Not Applicable | 35.983% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2012 | $304975.92 | $15700.00 | 2.000% | $876.00 | 08/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a credit card judgment found against the borrower in favor of xx.<br> There are 03 IRS liens found against the subject borrower in the total amount of xx.<br> There is a state tax lien (Ln#131642.pdf #pg76) found against the borrower in favor of the xx.<br> The 1st installment of county taxes for 2024 was paid in the amount of $1,933.08 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $1,933.06.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $1,109.96, and the interest rate is 3.625%. The current UPB is $219,861.22, and the deferred balance is $xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx, and the deferred balance is xx.<br> The loan modification agreement was made between the borrower and lender on xx.<br> As per the updated title report xx. The notice of trustee's sale xx shows that the foreclosure sale was set for xx. The notice of rescission xx shows that the foreclosure case was closed. Further details not found. <br> According to the PACER, the borrower xx. The bankruptcy was discharged on xx.<br> As per servicing comment dated xx/xx/2024, the subject property is owner occupied.<br> As per the servicing comment dated xx/xx/2024, the reason for default is payment dispute.<br> No evidence has been found regarding damages.<br>Foreclosure Comments:As per the updated title report xx. The notice of trustee's sale xx. The notice of rescission xx shows that the foreclosure case was closed. Further details not found. <br> Bankruptcy Comments:According to the PACER, the borrower xx. The bankruptcy was discharged on xx and terminated on xx. | The step modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx, out of which xx is an interest-bearing amount and the deferred amount is $15,700.00. The borrower agreed to pay the modified monthly P&I of $876.00 with a modified interest rate of 2.00% starting on 08/xx/2012, which will be changed in 03 steps until the new maturity date of 07/xx/2052. The rate will change in 03 steps, which ends with 3.625%. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34284320 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $597.45 | 7.050% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 632 | Not Applicable | 39.863% | First | Short Form Policy | Not Applicable | Not Applicable | 11/xx/2019 | $88169.99 | Not Applicable | 3.750% | $354.91 | 11/xx/2019 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens have been found.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $354.91 and interest rate is 3.750%. The UPB is $82,784.70. As per tape data the deferment amount is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $354.91, and the interest rate is 3.750%. The UPB is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment in income.<br> The loan was modified on xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower xx filed for bankruptcy under Chapter 7 with case #xx. The bankruptcy was discharged on xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx As per the voluntary petition schedule D xx, the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy was discharged on xx. | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $354.91 with a modified interest rate of 3.750% starting on 11/xx/2019 and continuing until the new maturity date of 10/xx/2059. There is no deferred balance and principal forgiven amount. | Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: xx"<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57697507 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Delaware | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $717.67 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $381.32 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 26.615% | First | Final policy | Not Applicable | Not Applicable | 11/xx/2016 | $26854.08 | Not Applicable | 3.125% | $98.08 | 11/xx/2016 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is a junior mortgage against the subject property that was originated on xx.<br> The annual county taxes for 2024 were paid in the amount of $717.67 on xx/xx/2024.<br> The annual city taxes for 2024 were exempt.<br> The monthly utilities/MUD taxes for 2025 were due on xx/xx/2025 in the amount of $46.31.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $98.08, and the interest rate is 3.125%. The UPB is xx. | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $98.08, and the interest rate is 3.125%. The UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified between the BWR and lender on xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the borrower and lender on xx. As per the modification agreement, the new modified UPB was xx. The BWR promises to pay the monthly P&I of $98.08 with an interest rate of 3.125% starting on 11/xx/2016. The new maturity date is 10/xx/2056. There is no deferred or forgiven amount. | Credit Report<br> HUD-1 Closing Statement<br> Mortgage Insurance | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents." | \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94223861 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $2927.52 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | $2070.71 | $3070.01 | 5.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 37.791% | First | Final policy | Not Applicable | Not Applicable | 09/xx/2014 | $470773.39 | $198200.00 | 2.000% | $825.42 | 09/xx/2014 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are five child support liens against the borrower, xx which was recorded on different dates. The SSN# is not available on the supportive document.<br> There is one judgment against the borrower, xx. The middle name of the borrower is unable to be confirmed.<br> There is one judgment against the borrower, xx. The middle name of the borrower is unable to be confirmed.<br> There are seven state tax liens against the borrower, xx, which was recorded on different dates. Middle names of the borrowers are different. The SSN# is not available on the supportive document to confirm whether the said liens are against the spouse of the borrower.<br> There is notice of an independent solar energy producer contract against the subject property in favor of xx.<br> The first installment of county taxes for 2024 is paid in the amount of $2,927.52 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the total amount of $2,927.52 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape data, the UPB is xx, and the deferred balance is xx. The current interest rate is 4.125%, and P&I is $1,117.80. | Collections Comments:Currently, the loan is performing.<br> According to the seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. As per tape data, the UPB is xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The loan was modified on xx with the 4-step amortization.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> The debtor, xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The debtor, xx.<br> According to the voluntary petition schedule D, the value of the collateral is xx, and the amount of the secured claim is xx. The unsecured amount is $xx. A motion for relief from stay was filed on xx. <br> The case was discharged on xx and was terminated on xx. | The loan was modified on xx with the 4 step amortization with the new principal balance of xx out of which xx has been deferred and the new interest bearing principal amount is in the amount of $272,573.39. The borrower promises to pay the initial step P&I of $825.42 with the new initial step interest rate of 2.000% beginning on 9/xx/2014 and the new maturity date is 8/xx/2054. | HUD-1 Closing Statement |  | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD missing. File missing final HUD. CE was tested using the borrower estimated statement in the loan file." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25630917 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1184.78 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $414.62 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 05/xx/2011 | $43180.33 | Not Applicable | 8.125% | $372.30 | 05/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 2 civil judgments found against the borrower in favor of xx, which were recorded on different dates.<br> There is a credit judgment found against the borrower in favor of xx.<br> The annual county taxes for 2024 were paid in the amount of $1,032.42 on xx/xx/2024.<br> The annual school taxes for 2024 were paid in the amount of $152.36 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $553.42, which was applied for the due date of xx/xx/2024. The current monthly P&I is $372.03 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx and deferred balance is xx. The deferment agreement is located at xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The modification agreement was signed between the borrower and lender with an effective date of xx.<br> No information has been found related to damage or repairs.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied.<br> As per the tape data, the borrower's income was impacted by Covid-19. The borrower was on a COVID-19 forbearance plan from xx/xx/2020 to xx/xx/2021.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $372.30 with a modified interest rate of 8.125% starting on 05/xx/2011 and continuing until the new maturity date of 04/xx/2030. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan document. xx search shows an estimated value at $xx. Current UPB is xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75719483 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $3339.46 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1734.99 | 3.425% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 36.802% | First | Final policy | Not Applicable | Not Applicable | 09/xx/2010 | $274890.00 | Not Applicable | 5.000% | $2149.88 | 10/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active prior mortgage against the subject property in favor of xx. <br> There is IRS lien found against the borrower in favor of xx. <br> There are 02 abstracts of judgments found against the borrower in the total amount of $12,564.53 in favor of different plaintiffs & recorded on different dates. <br> The 1st installment of county taxes for 2024-2025 was paid in the total amount of $1,669.73 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of $1,669.73.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $2,149.88 and the interest rate is 5.00%. | Collections Comments:The current status of the loan is performing. According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx.<br> As per the seller's tape data, the subject property is owner occupied. No evidence regarding the foreclosure and bankruptcy has been found. <br> No repairs and damages have been found. As per the seller tape, the borrower's income was impacted by covid. The FB plan was offered that began from xx/xx/2020 to xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement was signed between the borrower and lender with an effective date of xx. The new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $2,149.88 with a modified interest rate of 5.000%, beginning from 10/xx/2010. The new maturity date is 07/xx/2037. The lender had agreed to forgive the principal balance in the amount of $82,166.94 on the modification effective date. This principal forgiven amount exceeds 2% of the modified principal amount. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $1,397.44 exceeds the per diem interest charge or credit threshold of $890.40 over by +$507.04." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7048553 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3885.18 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1485.74 | 1.475% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 720 | Not Applicable | 17.850% | First | Final policy | Not Applicable | XX | 02/xx/2019 | $271556.18 | Not Applicable | 3.500% | $1440.67 | 03/xx/2019 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There is an active junior mortgage against the subject property in favor of xx.<br> The first installment of county taxes for 2024 was paid in the amount of $1,942.59 on xx/xx/2024.<br> The second installments of county taxes for 2024 are due in the amount of $1,942.59 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,440.67 and rate of interest is 3.500%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,440.67 and rate of interest is 3.500%. The UPB is xx. <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> Unable to determine the reason for the default.<br> The loan was modified on xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx with new principal balance of xx. The borrower promises to pay the new modified P&I of $1,440.67 with the new fixed interest rate of 3.500% beginning from 3/xx/2019 to the new maturity date of 12/xx/2041. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed the state regulations for the per diem interest amount test due to fees charged of $158.62 exceed fees threshold of $123.90 over by +$34.72."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94633607 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $550.86 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Unavailable | Not Applicable | xx | Not Applicable | $526.09 | 12.990% | 240 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | Not Applicable | xx | Investor | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> No active judgments or liens were found.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $275.43 on xx/xx/2025.<br> The 1st installment of county taxes for 2024 was paid in the amount of $275.43 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $335.39, which was applied for the due date of xx/xx/2024. The current monthly P&I is $175.94 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx and deferred balance is $175.94. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> The foreclosure was initiated in xx. As per the notice of trustee's sale located at xx. As per the tape data, the foreclosure case has been suspended. Further details were not provided.<br> According to the PACER, the borrower filed for bankruptcy under xx. The borrower was terminated on xx.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19. <br> The loan was modified on xx.<br> The deferment agreement dated xx. According to the terms of the deferment, 1 payment totaling xx was deferred.<br>Foreclosure Comments:The foreclosure was initiated in xx. As per the notice of trustee's sale located at xx, the sale was scheduled on xx. As per the tape data, the foreclosure case has been suspended. Further details were not provided.<br> Bankruptcy Comments:According to the PACER, the borrowers, xx. As per the amended chapter plan 11 doc xx, there is a stipulation regarding plan treatment the debtor will make a payment on full payoff of approximately $31,861.53. The interest rate is reduced to 5.25%, and the loan is re-amortized over 30 years. The bankruptcy case is closed and terminated on xx. | Not Applicable | Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: xx."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. The appraisal report is missing from the loan file. As per the tax report attached with the updated title report dated xx/xx/2025, located at xx, the subject property is a mobile home and shows the serial numbers xx for the mobile home in the legal description."<br> \* TIL not hand dated (Lvl 2) "Final TIL is not hand dated by the borrower." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97050073 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1323.76 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $701.74 | 11.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Not Applicable | Not Applicable | Not Applicable | 707 | 666 | 52.427% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There are 2 state tax liens found against the subject borrower in the total amount of xx.<br> There is a credit judgment found against the borrower in favor of xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $661.88 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $661.88 on xx/xx/2025.<br> No prior year taxes are delinquent. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $701.74 and interest rate is 11.25%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrowers filed for bankruptcy under Chapter xx. The bankruptcy was discharged on xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrowers xx, the amount of claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is xx. The bankruptcy was discharged on xx and terminated on xx.<br>| Not Applicable | Notice of Servicing Transfer | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final HUD-1 dated xx/xx/2007 reflects cash to the borrower in the amount of $140.34."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34608317 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $7321.48 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $877.89 | 3.950% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 02/xx/2011 | $155267.24 | Not Applicable | 4.000% | $959.38 | 02/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> The 1st and 2nd installments of county taxes for 2024/25 were paid in the amount of $7,321.48.<br> No prior year's delinquent taxes have been found. | According to the payment history seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $959.38 with an interest rate of 4.00%. The current UPB reflected as per the seller's tape is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the seller's tape is xx.<br> Unable to determine the RFD.<br> As per the seller's tape data, the borrower's income was impacted by COVID-19. The COVID-19 FB plan that was started on xx/xx/2020 and ended on xx/xx/2020. Further details are not provided.<br> The loan was modified on xx/xx/2011 with the principal balance of xx.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made on xx, between the borrowers and the lender. The new principal balance stated in the modification is in the amount of xx. The borrower promises to make a monthly payment of $959.38 with the rate of interest 4.00%, beginning from 3/xx/2011 till the maturity date of 7/xx/2030. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. xx search shows an estimated value at $1,146,000. Current UPB:xx."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78231867 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $626.20 | Unavailable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $641.98 | 7.999% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 554 | 519 | 52.296% | First | Final policy | Not Applicable | Not Applicable | 09/xx/2016 | $92301.19 | $27690.36 | 3.250% | $240.70 | 09/xx/2016 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a credit judgment found against the borrower in favor of xx.<br> The second installment of county taxes for 2024/2025 is due in the amount of $313.10 on xx/xx/2025.<br> The first installment of county taxes for 2024/2025 was paid in the amount of $313.10 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $240.70 and rate of interest is 3.250%. The UPB is $53,281.38 and deferred balance is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $240.70 and rate of interest is 3.250%. The UPB is $53,281.38 and deferred balance is xx. <br> As per comment dated xx/xx/2023, the RFD is payment dispute.<br> As per comment dated xx/xx/2023, the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy.<br> As per seller's tape data the borrower's income was impacted by Covid-19. The servicer provided FB plan that started from xx/xx/2021 to xx/xx/2021. The deferment agreement was located at "xx".<br> No evidence has been found regarding damage.<br>Foreclosure Comments:<br> As per UT dated xx/xx/2025, the FC was initiated and dismissed multiples times. The latest NOD was filed on xx which was dismissed on xx. As per seller's tape data the FC was re-initiated on xx. The complaint was filed on xx. Further details not provided.<br>Bankruptcy Comments:Not Applicable | The loan was modified on xx with new principal balance of xx. The borrower promises to pay the new modified P&I of $240.70 with the new fixed interest rate of 3.250% beginning from 9/xx/2016 to the new maturity date of 8/xx/2056. The deferred amount is $27,690.36 and interest bearing amount is $64,610.83. This deferred balance is eligible for forgiveness. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $95.88 exceeds the per diem interest charge or credit threshold $38.88." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8256852 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | Second | XX | $0.00 | $2734.36 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2745.47 | 9.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 660 | Not Applicable | 42.047% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2012 | $323612.71 | $99362.71 | 3.125% | $1059.60 | 07/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an HOA lien against the subject property in favor of xx.<br> The annual county taxes for 2024 were paid in the amount of $2,624.99 on xx/xx/2024.<br> The water charges have been delinquent in the amount of $231.84 which due on xx/xx/2025 and good through xx/xx/2025. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,121.87 and interest rate is 3.750%. The UPB is $124,443.06. The PH tape data reflects deferred amount of xx and the deferred agreement is located at xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> The loan was modified on xx.<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied<br> No foreclosure activity has been found.<br> No bankruptcy-related details have been found.<br> The reason for default is not available.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower xx shows the new modified unpaid principal balance is xx out of which xx is interest bearing amount and deferred amount is $99,362.71. The borrower agreed to pay the modified monthly P&I of $1,059.60 with a modified interest rate of 3.125% starting on 07/xx/2012, which will be changed in 02 steps until the new maturity date of 02/xx/2038. The rate will change in 02 steps which ends with 3.750%. The deferred principal balance was eligible for forgiveness. |  | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $673,308.46. Calculated finance charge is $673,372.32 for an under disclosed amount of -$63.86. Reason for finance charge under disclosure is unknown as the fee itemization is missing." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87190632 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7652.56 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1340.00 | 1.950% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | 39.638% | First | Final policy | Not Applicable | XX | 04/xx/2017 | $328260.01 | Not Applicable | 3.625% | $1296.38 | 04/xx/2017 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is an active junior mortgage against the subject property in favor of xx.<br> There are 2 civil judgments found against the borrower in favor of xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $3,826.28 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $3,826.28 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,296.38, and the interest rate is 3.625%. The UPB is $290,098.60. As per tape, the deferment balance is xx, and the deferment agreement is located at xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,296.38, and the interest rate is 3.625%. The UPB is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> As per tape data, the borrower's income is impacted by Covid-19, and the forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx. The borrower agreed to pay the modified monthly P&I of $1,296.38 with a modified interest rate of 3.625% starting on 4/xx/2017 and continuing until the new maturity date of 3/xx/2057. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> Loan Program Info Disclosure<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $784.44 exceeds the per diem interest charge or credit threshold $618.66."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed the TILA APR test due to final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "ARM loan program disclosure is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42137315 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $682.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $758.05 | 7.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 543 | 667 | 21.269% | First | Final policy | Not Applicable | Not Applicable | 04/xx/2019 | $81381.03 | Not Applicable | 3.500% | $495.33 | 05/xx/2019 | Financial Hardship | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> No active judgments or liens have been found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $682.26 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $495.33 and the interest rate is 3.500%. The current UPB is xx. Tape shows the deferred balance is xx. <br> The deferment agreement was made on xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $495.33 and the interest rate is 3.500%. The current UPB is xx. Tape shows the deferred balance is xx. <br> No foreclosure evidence has been found. <br> As per tape data, the servicer provided Covid-19 FB plan to the borrower from xx/xx/2020 to xx/xx/2021. <br> As per the collection comment dated xx/xx/2024, the RFD is excessive obligation.<br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:As per the PACER, the borrowers xx. The schedule D of voluntary petition shows that the amount of claim without deducting the value of the collateral is xx . The unsecured portion is $0.00. The bankruptcy case was discharged and terminated on xx. | The recast agreement was made between the borrower and lender on xx and the new principal balance is $81,381.03. The borrower promises to pay P&I in the amount of xx with an interest of 3.500%, beginning from 5/xx/2019 until the new maturity of 12/xx/2037. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "Home is affixed. <br> As per the appraisal report located at "xx", the subject property type is manufactured housing. The Alta-7 endorsement is incorporated with the final title policy. The VIN# xx is available in the legal description of the vesting deed, which is located at "xx". The home is permanently affixed to the land." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96260918 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Nebraska | xx | xx | xx | Nebraska | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1702.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $756.99 | 9.600% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 37.666% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.<br> There is one junior mortgage against the subject property originated on xx.<br> The first and second installments of county taxes for 2024 are due in the amount of $1,702.00 on xx/xx/2025 and xx/xx/2025.<br> Annual water charges for 2024 have been delinquent in the amount of $154.71, which is payable on xx/xx/2025. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $761.11 with an interest rate of 9.60%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> As per the tape data, the loan was modified on xx.<br> As per the comment dated xx/xx/2024, the RFD is excessive obligations.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. <br> As per the post-disaster inspection report located at xx, the subject property was located in severe storms, straight-line winds, and tornadoes on xx. The subject property was clear and free of disaster-related damages.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM rate mortgage with a P&I of $756.99, a rate of interest of 9.600%, and a maturity date of 4/xx/2033. The P&I, as per payment history tape data, is $761.11, and the rate of interest is 9.600%. There is a difference in P&I with respect to the note. As per the seller's tape data, the loan was modified on xx. The modification agreement is missing from the loan file. | Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: xx." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42189030 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1496.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $976.65 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | 635 | 637 | 27.393% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage originated on xx<br> There are no active liens or judgments found.<br> The 1st and 2nd installments of county taxes for 2023 have been paid in the amount of $1,496.00 on xx/xx/2024 and xx/xx/2024.<br> No delinquent taxes have been found. | According to seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $763.62 with an interest rate of 5.250%. As per tape data, the current UPB is xx, and the deferred balance is xx. | Collections Comments:The loan is in bankruptcy.<br> According to seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $763.62 with an interest rate of 5.250%. As per tape data, the current UPB is xx, and the deferred balance is xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> According to the PACER, the borrower, xx. The bankruptcy case is still active.<br> No information has been found for foreclosure.<br> No information has been found for damage or repairs.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx. According to the voluntary petition of the Schedule D, the amount of the claim without deducting the value of the collateral is xx. The unsecured portion is $0.00. The POC was filed on xx, with the claim amount of xx and the arrearage amount of xx. The chapter 13 plan was confirmed on xx. Under the confirmed chapter 13 plan, the debtor shall pay xx. The motion to dismiss the chapter 13 plan case was filed on xx. The BK is active. There is no indication found for cram down. | This is a conventional fixed-rate mortgage with P&I of $976.65 with the rate of interest 8.25000% and a maturity date of 6/xx/2033. The P&I as per payment history is $763.62, and the rate of interest is 5.250%. There is a reduction in P&I and rate of interest with respect to note data. As per tape data, the loan has been modified on xx."The MOD agreement is missing from the loan file. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79267194 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $569.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $603.71 | 8.100% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 653 | Not Applicable | 23.070% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2013 | $86351.14 | Not Applicable | 3.520% | $290.81 | 08/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. <br> There are 2 IRS liens against the borrower in favor of the xx.<br> The annual county taxes for 2024 were paid in the amount of $546.49.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $290.81 and the interest rate is 3.520%.<br>| Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The loan has been modified.<br> The foreclosure was not initiated. <br> The borrowers, xx.<br> As per the comment dated xx/xx/2024, the reason for default is a servicing problem.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The borrowers,xx. The schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx, and the value of the collateral is xx. The unsecured portion is $0.00. The reaffirmation agreement was filed on xx. The MFR was filed on xx, and the order on MFR was filed on xx. The bankruptcy was discharged on xx, and the case was terminated on xx.<br>| The modification agreement was made on xx between the borrower,xx As per the modified terms, the unpaid principal balance is xx. The principal forgiven is $27,551.14, and the new principal balance is $58,800.00. The borrower agreed to pay the P&I of $290.81 and an interest rate of 3.520% beginning on 8/xx/2013 until the maturity date of 2/xx/2039.<br>|  | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64005860 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $19547.72 | Unavailable | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $5056.54 | 6.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 660 | Not Applicable | 46.983% | First | Final policy | Not Applicable | XX | 08/xx/2015 | $639353.64 | $196049.98 | 2.000% | $1342.44 | 08/xx/2015 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2002 in the amount of xx with xx<br> 1. There are 5 Notices of Special Tax Lien against the subject property in the 'xx' that were recorded on different dates.<br> 2. There is a UCC lien against the subject property in favor of 'xx which was recorded on xx/xx/2022. The supportive document does not reflect the lien amount.<br> 3. There is a junior mortgage against the borrower in the amount of xx in favor of xx, which was recorded on xx<br> The 1st installment of county taxes for 2024 is paid on xx/xx/2024 in the amount of $9,773.86.<br> The 2nd installment of county taxes for 2024 is paid on xx/xx/2025 in the amount of $9,773.86.<br> No prior year taxes are delinquent. | According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The interest rate is 4.125% & the P&I is xx The current UPB is xx and the deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. xx<br> As per seller tape data, xx<br> The RFD is unable to be determined.<br> No repairs and damage have been found.<br> As per seller tape data, the current occupancy of the subject property is owner-occupied.<br> According to the PACER, xx<br> Foreclosure Comments:As per seller tape data, xx<br> Bankruptcy Comments:According to the PACER, xx | The step modification agreement was signed between the borrower and lender with an effective date of xx showing the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.000% starting on 8/xx/2015, which will be changed in 4 steps until the new maturity date of xx The rate will change in four steps, which ends with 4.125%. The deferred balance is xx and the interest-bearing balance is xx | Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $3,276.81, allowed xx and it is over charged by xx<br> \* Loan does not conform to program guidelines (Lvl 2) "Tape Shows : Non-Forgivable Forbearance at xx Forbearance at MOD::…………Non-Mod Forbearance::……….Applied Forgiveness::………EverCovid::No………BK Flag:: No"<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer disclosure is missing from loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34108427 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $6332.64 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1341.33 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 41.683% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2011 | $197978.52 | Not Applicable | 4.500% | $1072.20 | 08/xx/2011 | Financial Hardship | According to an updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx in the amount of xx which was recorded on xx/xx/2005.<br> There are two notices of assessment & payment of contractual assessment under the xx against the subject property. The first one was filed on 3/xx/20217 with instrument xx which was recorded on xx/xx/2017, and the second one was filed on xx/xx/2017 with instrument xx which was recorded on xx/xx/2017. <br> There is an active junior mortgage against the subject property originated on xx/xx/2006 in xx<br> The 1st installment of county taxes for 2024-2025 were paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 are due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx with an interest rate of 4.500%. The current UPB reflected as per the tape data is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $1,072.20 with an interest rate of 4.500%. xx<br> The post-closing details regarding the foreclosure and bankruptcy have not been found.<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2011.<br> As per the tape data, the borrower's income was impacted by Covid-19. The borrower was on a COVID-19 forbearance plan from xx to xx xx<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 4.500% starting on 8/xx/2011 and continuing until the new maturity date of xx |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7556628 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $1001.40 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $777.37 | 6.800% | 300 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx in favor of "xx<br> There is a municipal lien on the subject property in favor of "xx" in the amount of xx The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> There is a hospital lien active against the borrower in favor of "xx" in the amount of xx which was recorded on xx <br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> The water charges for 2025 are due in the amount of xx on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and PITI is $1,175.06. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and PITI is $1,175.06. The UPB is xx <br> Collection comment does not state RFD.<br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> No evidence has been found regarding damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This conventional fixed rate mortgage originated on xx with a P&I of xx a rate of interest of xx and a maturity date of xx The current P&I, as per latest payment history as of xx is xx and rate of interest is xx There is a difference in P&I and rate of interest with respect to note. As per the seller's tape data, the loan has been modified on xx The modification agreement is missing from the loan file. | Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value at xx Current UPB is xx |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43188146 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2252.92 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $686.92 | 2.450% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 06/xx/2022 | $127498.07 | Not Applicable | 3.875% | $522.99 | 06/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "xx<br> There is a junior mortgage against the subject property that was originated on xx in favor of xx<br> The first installment of county taxes for 2024 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 3.875%. The UPB is xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 3.875%. The UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> The BWR xx filed the bankruptcy under chapter xx on xx with cxx<br> As per the tape, the FB plan was active. Further details were not provided. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The BWR "xx | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is xx The monthly P&I is $522.99 with an interest rate of xx beginning on xx and a maturity date of xx There is no forgiven or deferred amount. | Credit Application<br> Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Loan Program Info Disclosure<br> Notice of Servicing Transfer<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents." | \* Application Missing (Lvl 2) "Final application signed by the borrower is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index doc is missing from loan file."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9146873 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9791.38 | Unavailable | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1475.84 | 1.950% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | Not Applicable | 15.176% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2021 | $351906.52 | Not Applicable | 2.750% | $1209.60 | 01/xx/2021 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx<br> There is an active junior mortgage against the subject property in favor of xx, which originated on xx and was recorded on xx with the instrument \| Book/Page# xx.<br> The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx/xx/2025.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 2.75%. The UPB is $331,475.70. | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> As per the servicing comment dated xx the reason for default is curtailment in income.<br> The loan was modified on xx<br> As per the tape, xx<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br>Foreclosure Comments:As per the tape, the foreclosure was initiated with the loan on xx.<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx and lender xx with an effective date of 01/xx/2021 shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.75% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25914006 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $597.01 | $1194.02 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $525.42 | 6.400% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 32.768% | First | Final policy | Not Applicable | Not Applicable | 10/xx/2018 | $70727.39 | Not Applicable | 4.500% | $317.96 | 10/xx/2018 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with the lender, xx<br> There is a mechanic's lien against the BWR "xx" in the amount of xx in favor of "xx<br> The first installment of county taxes for 2024 is delinquent in the amount of xx with the good-through date of xx/xx/2025.<br> The second installment of county taxes for 2024 is due on xx/xx/2025 in the amount of xx<br> The first and second installments of county taxes for 2023 were paid in the amount of xx<br> The water/sewer charges were delinquent in the amount of $0.38 with the good-through date of xx | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is xx and the interest rate is 4.500%. The UPB is $66,149.04. As per the tape, there is a deferred balance in the amount of xx and as per the deferral agreement located at xx" the amount of xx has been deferred. | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 4.500%. The UPB is xx <br> As per the comment dated xx/xx/2023, the RFD was curtailment of income. <br> As per the tape, the BWR's income was impacted by COVID, xx<br> As per the comment dated xx/xx/2023, the subject property was damaged by the xx on xx and the estimated cost of repair was xx No comments have been found regarding the repair completion.<br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified on xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance was xx and the BWR agreed to pay the monthly P&I of xx with an interest rate of xx beginning on xx The maturity date is xx There is no deferred or forgiven amount. | Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand-dated by the borrower." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $22260.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25648934 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $808.58 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $366.28 | 8.600% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 49.966% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2013 | $52026.64 | Not Applicable | 5.770% | $281.74 | 02/xx/2013 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx<br> There is a junior mortgage against the subject property in the amount of xx which was originated on xx and recorded on xx in favor of "xx<br> The first and second installments of county taxes for 2024 are due in the total amount of xx<br> The second installment of county taxes for 2023 is paid in the amount of xx on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history on the seller's tape dated xx the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and PITI is $341.26. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is xx and PITI is $341.26. The UPB is xx <br> As per seller's tape data the subject property is owner occupied.<br> Collection comment does not state RFD.<br> No evidence has been found regarding bankruptcy and foreclosure. <br> As per collection comment dated xx the subject property was damaged by xx on xx The borrower received loss draft check in the amount of xx No comments have been found regarding repair completion.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified on xx with new principal balance of xx The borrower promises to pay the new modified P&I of xx with the new fixed interest rate of 5.770% beginning from xx to the new maturity date of xx | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final settlement statement points and fees are not clearly visible." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on final TIL as xx Calculated finance charge is xx for an under disclosed amount of - xx Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as xx Calculated finance charge is xx for an under disclosed amount of -$126.28. Reason for finance charge under disclosure is unknown as the fee itemization is missing."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the xx these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." |  | Moderate | Pass | Fail | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $8580.75 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86188944 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3647.20 | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1154.24 | 4.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Yes | Other | xx | xx | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 37.257% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2021 | $140318.39 | Not Applicable | 2.750% | $482.31 | 07/xx/2021 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller' tape, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 2.750%. The UPB is xxx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller' tape, the borrower is current with the loan and the next due date is xx The UPB is xx<br> The reason for default is not available.<br> As per servicing comment dated xx/xx/2023, the subject property is owner occupied.<br> xx<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:xx<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx and lender xx. with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.750% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "HUD-1 is not signed by BWR." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA Finance Charge test due to calculated finance charge of xx exceeds disclosed finance charge of xx for an under disclosed amount of - xx<br>Loan failed TILA Foreclosure Rescission Finance charge of $166,916.64 exceeds disclosed finance charge of xx for an under disclosed amount of - xx<br>Loan failed TILA APR test due to APR calculated 4.261% exceeds APR threshold 4.864% under disclosed by -0.603%.<br> ."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Operative index value is unable to confirm (Lvl 2) "Index value is unable to confirm due to supporting documents are missing from the loan file."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand dated by the borrower."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date not consistent with note and hud." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38676747 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Mississippi | xx | xx | xx | Mississippi | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $874.13 | 11.350% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 47.266% | First | Short Form Policy | Not Applicable | Not Applicable | 11/xx/2016 | $98518.97 | $12268.97 | 3.000% | $308.76 | 11/xx/2016 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the favor of xx<br> There is one municipal lien open against the subject property in favor of 'xx<br> There is one judgment against the borrower, xx, in favor of xx.<br> Annual taxes for 2024 are exempt.<br> No prior year's delinquent taxes have been found. | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment transaction detail is not available. The interest rate is xx and P&I is xx The current UPB is xx and the deferred principal balance is xx | Collections Comments:The current status of the loan is performing.<br> According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment transaction detail is not available. The interest rate is 3.00%, and P&I is xx The current UPB is xx and the deferred principal balance is xx <br> As per tape data, xx<br> No evidence has been found regarding BK.<br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding xx<br> The loan modification agreement was made between the borrower and lender on xx<br> As per seller tape data, the borrower's income is impacted by COVID-19, and a xx<br> According to comment dated xx/xx/2024, the reason for default is curtailment of income.<br>Foreclosure Comments:As per tape data, xx<br> Bankruptcy Comments:Not Applicable | This modification agreement was made between the borrower, "xx" and the lender, "xx" on 11/xx/2016. As per modified terms, the new principal balance is xx out of which deferred principal balance is xx and the interest bearing amount is xx<br> Deferred principal balance is eligible for principal forgiveness.<br> Borrower promises to make payment with the modified interest rate of xx and P&I of xx beginning from xx till maturity date of xx | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Operative index value is unable to confirm (Lvl 2) "Index value is unable to confirm due to supporting documents are missing from the loan file." |  | Moderate | Pass | Pass | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50767699 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $618.90 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $388.53 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 30.840% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2014 | $48529.24 | $30129.24 | 7.990% | $163.31 | 08/xx/2014 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx<br> There is an active prior mortgage against the subject property in favor of the xx in the amount of xx which originated on xx/xx/2000 and was recorded on xx/xx/2001 with the instrument \| Book/Page# xx<br> There is an active junior mortgage against the subject property in favor of the xx in the amount of xx which originated on xx and was recorded on xx with the instrument \| Book/Page# xx<br> The 2024 county annual taxes are due in the amount of xx on xx/xx/2025.<br> The 2024 county annual taxes were paid; a partial amount in the amount of xx on xx/xx/2025.<br> The water charges have been due in the amount of xx on xx/xx/2025.<br> No prior year delinquent taxes have been found. | As per the review of the seller's tape data as of xx the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> The reason for the default is not available.<br> The loan was modified on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per the servicing comment dated xx the subject property had damages due to a xx, and the borrower filed an insurance claim for a loss amount of xx There is no evidence to confirm the current status of repairs.<br> As per tape data, the subject property is owner-occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The deferred amount is xx which is eligible for forgiveness, and the interest-bearing amount is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 7.99% starting on xx and continuing until the new maturity date of xx | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $8333.00 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91436419 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4817.48 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1274.46 | 8.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 47.551% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2014 | $169303.57 | $32803.57 | 5.000% | $839.75 | 01/xx/2014 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx<br> There are three IRS liens against the borrower in the total amount of xx in xx<br> There is a UCC lien against the subject borrower in favor of xx.<br> There are four state tax liens against the borrower in the total amount of xx.<br> The first and second installments of county taxes for 2024 were due in the amount of xx on xx and xx<br> The water/sewer charges were due on xx in the amount of xx<br> No prior year's taxes have been delinquent. | As per the review of tape data of payment history as of xx the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 5.000%. The UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> As per the tape, the BWR's income was impacted by COVID, and the FB plan was started on xx and ended on xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the BWRs and lender on 1/xx/2014 with the new principal balance of xx the deferred balance is xx and the new interest-bearing principal amount is in the amount of xx The deferred balance is eligible for forgiveness in the amount of xx The borrower promises to pay the P&I of xx with the new interest rate of 5.00% beginning from xx and the new maturity date is xx | Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99226191 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $4710.20 | 11/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3485.00 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 559 | 564 | 44.382% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2014 | $504990.24 | $168100.00 | 2.000% | $1373.89 | 01/xx/2014 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with MERS as nominee for 'xx<br> No active judgments/liens against the borrower/owner/subject property have been found.<br> The annual county taxes for 2024/2025 (1st installment) are paid on xx in the amount of xx<br> The annual county taxes for 2024/2025 (2nd installment) are due on xx in the amount of xx<br> No prior year taxes are delinquent. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx in the amount of xx which was applied for the due date of xx The interest rate is 4.125%, & the P&I is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of xx which was applied for the due date of xx The interest rate is xx & the P&I is xx The UPB is xx and the deferred balance is xx<br> As per seller tape data, the borrower's income is impacted by COVID-19, xx<br> The RFD is unable to be determined.<br> No repairs and damage have been found.<br> As per tape data, the current occupancy of subject property is owner occupied.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step loan modification agreement was made on xx with the new principal balance of xx the deferred balance is xx and the new interest-bearing principal amount is in the amount of xx The deferred balance is eligible for forgiveness in the amount of xx The borrower promises to pay the P&I of xx with the interest at the starting rate of 2.00% beginning from xx and the new maturity date is xx | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final executed HUD. CE was tested based on seller provided unexecuted HUD at closing." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed disclosed APR High-Cost threshold exception test due to APR calculated 13.185% exceeds APR threshold of 12.590% over by +0.595%." |  | Moderate | Pass | Pass | No Result | Pass | Pass | Fail |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4911545 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5927.36 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1183.04 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | 4 Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 54.828% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the UT dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2007 and recorded on xx/xx/2007 in the amount of xx with the lender "xx<br> The first installment of county taxes for 2024 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br> There is a special tax lien against the subject property in favor of xx | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx As per the deferral agreement located at xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified on xx<br> As per the tape, the BWR's income was impacted by COVID,xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is a conventional ARM loan with an original P&I of xx and an interest rate of xx The current P&I as per payment history is xx and the interest rate is 4.000%. There is a difference in P&I and rate of interest with respect to the note. As per the seller's tape data, the loan was modified on xx The modification agreement is missing from the loan file. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the borrower estimated closing statement in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the per diem interest amount test due to fees charged $518.54 exceed fees threshold of $135.59 over by +$382.95." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56516416 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6048.12 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2073.32 | 5.725% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 48.346% | First | Final policy | Not Applicable | Not Applicable | 04/xx/2022 | $229625.59 | Not Applicable | 3.500% | $889.55 | 04/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.500%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> The reason for the default is not available.<br> As per tape data, the property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower filed for bankruptcy under Chapter xx with case xx on xx The bankruptcy was dismissed on xx and terminated on xx<br> No information has been found related to damage or repairs.<br> As per the seller's tape data, the borrower's income was impacted by covid, and the forbearance plan started from xx/xx/2020 to xx/xx/2021.<br> Foreclosure Comments:Not xx<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under Chapter xx with case #xx on xx The bankruptcy was dismissed on xx and terminated on xx | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.500% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 closing statement signed by borrower is missing from the loan documents. estimated disbursement statement is available at - xx | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA Finance Charge test due to calculated finance charge of xx exceeds disclosed finance charge of $394,586.35 for an under disclosed amount of -$23,918.22.<br>Loan failed TILA Foreclosure Rescission Finance charge of $370,668.13 exceeds disclosed finance charge of $394,551.35 for an under disclosed amount of -$23,883.22.<br>Loan failed TILA APR test due to APR calculated 5.564% exceeds APR threshold 5.800% under disclosed by -0.236%."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan document."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58613998 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $5753.26 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1269.25 | 1.475% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 647 | Not Applicable | 26.250% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2012 | $538805.49 | $313400.00 | 4.500% | $969.52 | 01/xx/2012 | Financial Hardship | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage originated on xx and was recorded on xx in the amount of xx" No active judgments or liens have been found. <br> The first installment of county taxes for 2024 is paid in the amount of xx on xx/xx/2024. <br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx | Collections Comments:The current status is performing. As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx No foreclosure activity has been found. No evidence of damage or repair has been found. No record of post-closing bankruptcy filed by the borrower has been found. As per the tape, the subject property is owner-occupied. The loan was modified on xx <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This is step rate modification. The loan was modified between the borrower and lender with an effective date of xx As per the modification agreement, the new modified unpaid principal balance was xx and the borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 4.500% starting on xx and continuing until the new maturity date of xx There is a deferred balance in the amount of xx and the interest-bearing amount is xx | HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the estimated closing statement in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of xx Current UPB xx |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55933136 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $686.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $292.57 | 7.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 595 | Not Applicable | 26.011% | First | Short Form Policy | Not Applicable | Not Applicable | 03/xx/2013 | $47250.00 | Not Applicable | 4.375% | $211.16 | 04/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx<br> There is one renewed judgment against the borrower xx in favor of xx, which was recorded on xx/xx/2009.<br> There is a credit card judgment against the borrower xx in favor of xx in the amount of xx recorded on xx<br> There is a credit card judgment against xx in favor of xx, , in the amount of xx which was recorded on xx<br> Annual combined taxes for the year of 2024 have been paid in the amount of xx on xx<br> No prior year delinquent taxes have been found. | As per the tape data of payment history as of xx the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. Current P&I is xx and the interest rate is xx The UPB as per tape data is xx | Collections Comments:The loan is performing.<br> As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The new UPB is reflected in the amount of xx<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> The loan was modified on xx with the modified principal balance of xx<br> According to the PACER, the borrower, xx<br> No foreclosure details have been found.<br> No damage and repairs have been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower, xx, filed bankruptcy under Chapter xx with the case #xx on xx Schedule D of the voluntary petition shows that the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx Therefore, the unsecured portion is xx The POC was filed on xx with a claim amount of xx and an arrearage in the amount of xx The chapter xx plan was confirmed on xx The debtor shall pay to the trustee xx for xx months. The case was dismissed on xx and terminated on xx There is no comment indicating a cram down. | The loan was modified on xx between the borrower and lender with the modified principal balance of xx The debtor has promises to pay in the amount of xx with an interest rate of xx beginning from xx till the new maturity date of xx The lender agrees to forgive the amount of xx | Mortgage Insurance | xx | 3: Curable |  | \* Lost Note Affidavit (Lvl 3) "The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx."" | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2) "Final TIL not hand dated by the borrower." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51477513 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $5353.30 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1250.00 | $1753.77 | 5.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 32.740% | First | Final policy | Not Applicable | XX | 10/xx/2018 | $210850.40 | $89000.00 | 3.000% | $673.74 | 12/xx/2018 | Financial Hardship | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage originated on xx and was recorded on xx in the amount of xx in favor of "xx." There is a junior mortgage against the subject property in favor of "xx," dated xx/xx/2004 in the amount of $20,000.00 with the instr/book/page xx and it was recorded on xx/xx/2004. There is a junior mortgage found against the subject property in favor of "xx," dated xx/xx/2018 in the amount of $49,200.00 with the instr/book/page # xx, and it was recorded on xx The 1st installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024. The 2nd installment of county taxes for 2024 has been due in the amount of $2,676.65 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is xx with an interest rate of xx The current UPB is xx and the deferred balance amount is xx The deferred document is located at xx | Collections Comments:The current status of loan is performing. According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current UPB is xx and the deferred balance amount is xx CCs do not show damages. <br> No information has been found for FC and BK. <br> Unable to determine the reason for default. <br> As per tape data, the subject property is occupied by the borrower. As per seller tape data, the borrower's income is impacted by COVID-19, and a forbearance plan was offered to the borrower, which was started on xx and ended on xx/xx/2021. Further details not found. The loan was modified on xx/xx/2018. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower, xx, and lender, xx., with an effective date of xx shows the new modified unpaid principal balance is xx the deferred balance is xx and interest-bearing amount is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of xx starting on 12/xx/2018 and continuing until the new maturity date of xx | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE tested through disbursement statement." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83907107 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3951.35 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1187.21 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 24.838% | First | Final policy | Not Applicable | Not Applicable | 03/xx/2009 | $379787.68 | Not Applicable | 4.960% | $2105.20 | 03/xx/2009 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage in favor of xx in the amount of xx which originated on xx and was recorded on xx with the instrument \| Book/Page # xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 4.960%. The UPB is $185,151.19, and the deferred amount is xx The deferment agreement is located at xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan was modified on xx<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> As per tape data, the borrower's income has been impacted due to the Covid-19 pandemic, xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement made between the borrowerxx and lender xx., with an effective date of xx shows the new modified unpaid principal balance is xx The modified monthly P&I is xx with a modified interest rate of xx starting on xx which will be changed in 6 steps until the new maturity date of xx The rate will change in 6 steps, which ends with 4.960%. There is no deferred balance or principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the per diem interest amount test due to fees charged $717.44 exceed fees threshold of $284.51 over by +$432.93."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46562688 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Other | XX | $0.00 | $19832.68 | Unavailable | xx | No | Loss Mitigation | Chapter 13 | xx | Not Applicable | Yes | xx | Not Applicable | $4998.78 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | No | 770 | Not Applicable | 36.276% | First | Final policy | Not Applicable | Not Applicable | 10/xx/2012 | $1754869.91 | $1056500.00 | 2.000% | $2114.84 | 11/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx in favor of "xx".<br> There is an active junior mortgage against the subject property in favor of "xx" in the amount of xx which was originated on xx and recorded on xx/xx/2017. <br> There are two HOA liens on the subject property in favor of same plaintiff "xx" which were recorded on xx and xx in the total amount of xx <br> The first installment of county taxes for 2024-2025 was paid in the amount of $ xx on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of xx on xx<br> No prior year delinquent taxes have been found. | According to the payment history on the seller's tape dated xx the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and rate of interest is xx The UPB is xx and deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and rate of interest is 4.500%. The UPB is xx and deferred balance is xx <br> As per seller's tape data the subject property is owner occupied.<br> No evidence has been found regarding Covid-19.<br> No evidence has been found regarding damage.<br> Collection comment does not state RFD.<br> Foreclosure Comments:As per seller's tape data the foreclosure was initiated on xx<br> Bankruptcy Comments:According to the PACER, the borrower "xx" filed for bankruptcy under chapter-xx with the case#xx on xx As per voluntary petition schedule D, the amount of claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is xx There is no any evidence of cram down. The BK was dismissed on xx and terminated on xx <br> According to the PACER, the borrower "xx" filed for bankruptcy under chapter-xx with the case#xx on xx As per voluntary petition schedule D, the amount of claim without deducting the value of the collateral is xxx and the value of the collateral is xx. The unsecured portion is xx The BK was discharged on xx and terminated on xx  | The loan was modified on 10/xx/2012 with new principal balance of xx The borrower promises to pay the new modified P&I of xx with the new fixed interest rate of 2.000% beginning from xx to the new maturity date of xx The deferred amount is xx and interest bearing amount is xx The mod consist 4 steps. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final HUD-1 dated xx/xx/2004 reflects cash to in the amount of $914.27."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test. Total fees charged is $647.36 and allowed $260.40. It is over charged by +$386.96."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99610907 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $10349.76 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2076.75 | $2951.31 | 4.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 42.436% | First | Final policy | Not Applicable | Not Applicable | 04/xx/2020 | $359231.65 | Not Applicable | 3.750% | $1446.00 | 04/xx/2020 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx and was recorded on xx in the amount of xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2006 in favor of xx<br> The first installment of the county taxes for 2024/2025 is paid on xx in the amount of $5,174.88.<br> The second installment of the county taxes for 2024/2025 is due on xx in the amount of xx<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 3.750%. The UPB is xx As per the tape, there is a deferred balance in the amount of xx and according to the deferral agreement located at "xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied<br> As per the tape, the BWR's income was impacted by the COVID, xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance was xx and the BWRs promised to pay the monthly P&I of xx with an interest rate of xx beginning on x The maturity date is xx There is no deferred or forgiven amount. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15463281 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3514.46 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $949.77 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 31.115% | First | Final policy | Not Applicable | Not Applicable | 11/xx/2021 | $289023.25 | Not Applicable | 3.000% | $1034.66 | 11/xx/2021 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $1,034.66, and the interest rate is 3.000%. The UPB is xx<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2021.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower xx<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> As per the tape data, the borrower's income has been impacted due to the Covid-19 pandemic. xx<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under Chapter xx with the case #xx on xx As per voluntary petition schedule D (xx), the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is $0.00. The bankruptcy was discharged on xx | The modification agreement made between the borrowers xx and lender xx with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.000% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Credit Report<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $661.80 exceeds the per diem interest charge or credit threshold xx<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment penalty rider is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70148978 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6469.02 | Unavailable | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1024.75 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 42.428% | First | Final policy | Not Applicable | XX | 09/xx/2011 | $356370.31 | $50000.00 | 4.625% | $1338.53 | 09/xx/2018 | Financial Hardship | As per the review of the updated title report dated xx the subject mortgage was originated on xx and was recorded on xx<br> There is an active junior mortgage against the subject property in favor of Wxx<br> There are multiple state tax liens found against the subject borrower in the total amount of xx filed by different plaintiffs, which were recorded on xx/xx/2015 and xx/xx/2015.<br> There are multiple civil judgments found against the borrower in the total amount of xx filed by different plaintiffs & recorded on different dates.<br> There are multiple IRS liens on the subject borrower in favor of the xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.625%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> The reason for the default is not available.<br> As per the tape data, the property is owner-occupied.<br> xx<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> The loan was modified on xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx<br> Bankruptcy Comments:Not Applicable | The step modification agreement made between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx out of which xx is an interest-bearing amount and the deferred amount is xx The modified monthly P&I is xx with a modified interest rate of xx starting on xxx which will be changed in 04 steps until the new maturity date of xx The term will change in 04 steps, which ends with an interest rate of xx and P&I of xx | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan file and CE was tested through TIL itemization available in file #xx." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The loan failed the per diem interest amount test." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81197033 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $1992.74 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1793.15 | 9.790% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Unavailable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 12/xx/2010 | $220640.16 | $32600.00 | 2.000% | $569.43 | 12/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx<br> There are 19 municipal liens against the subject property in the total amount of xx in favor of xx<br> The county taxes for 2024 (1st, 2nd, and 3rd installments) were paid in the total amount of xx<br> The county taxes for 2024 (4th installment) are due in the total amount of xx on xx<br> No prior year delinquent taxes have been found. | As per the tape data of PH as of xx/xx/2024, the borrower is current, and the next payment is due for xx The last payment received details are not available. The current P&I is $783.60, and PITI is xx The current UPB is xx and the deferred balance is xx | Collections Comments: <br> The current status of the loan is performing.<br> As per the tape data of PH as of xx/xx/2024, the borrower is current, and the next payment is due for xx The current UPB is xx and the deferred balance is xx<br> As per tape data, the subject property is owner-occupied.<br> No evidence has been found regarding damages.<br> No information has been found regarding BK and foreclosure.<br> Unable to determine the reason for default.<br> The loan was modified on xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This step modification agreement was made between the borrower, xx, and the lender, xx, on xx with the new principal balance of xx out of which the deferred amount is xx and the interest-bearing amount is xx The borrower promised to make a monthly payment of xx with an interest rate of xx beginning from xx which will get changed in 4 steps till the maturity date of xx The rate will change in 4 steps, which ends with 4.25%. The deferred balance is eligible for forgiveness. | Balloon Rider<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL signed by the borrower is missing from loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from loan documents. xx search shows an estimated value of xx Current UPB xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 2 months prior to note date." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50075613 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $2499.97 | 10/xx/2024 | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $637.61 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 23.629% | First | Final policy | Not Applicable | Not Applicable | 06/xx/2010 | $93655.00 | Not Applicable | 7.750% | $637.87 | 06/xx/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx<br> There is one junior hospital lien against the borrower in favor of xx.<br> The annual county taxes for the year of 2024 have been paid in the amount of xx on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is currently 2 months delinquent with the loan, and the next due date is xx The last payment was received on xx in the amount of xx which was applied for the due date of xx The current monthly P&I is xx with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 2 months delinquent with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx<br> The reason for the default is not available in CC.<br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> The foreclosure was initiated in this loan in xx<br> As per the servicing comment dated xx/xx/2023, the subject property had damage due to the xx The date of loss is xx<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of xx starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 2: Acceptable with Warnings |  |  | \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 60 days prior to note date." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $27556.20 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55272471 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1142.03 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $483.90 | 10.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 507 | 527 | 43.520% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for xx were paid in the total amount of xx on xx/xx/2024 and xx <br> The annual water charges for 2025 have been paid on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 10.250%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx the borrower is current with the loan and the next due date is xx The UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by owner.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This conventional ARM rate mortgage originated on 05/xx/2004 with a P&I of xx a rate of interest of 10.250% and a maturity date of xx The current P&I, as per latest payment history as of xx is $485.36 and rate of interest is xx There is a reduction in P&I with respect to note data. The modification agreement is missing from the loan file. The tape data indicate the latest modification was made on xx | Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2) "Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64979710 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $45.51 | Unavailable | Not Applicable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $425.65 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Not Applicable | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 762 | Not Applicable | 33.239% | First | Final policy | Not Applicable | XX | 09/xx/2012 | $51693.91 | $16043.91 | 7.875% | $244.54 | 09/xx/2012 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender xx<br> There is a junior mortgage against the subject property that was originated on xx and recorded on xx in the amount of xx with the lender "xx"<br> There is a credit card judgment against the borrower in favor of xx recorded on xx The amount of the lien is not mentioned on the supporting document. <br> The annual combined taxes for 2024 were paid in the amount of $45.51.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 7.875%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape, the borrower is current with the loan, and the next due date is xx The current unpaid principal balance is xx <br> The loan has been modified on xx<br> As per seller tape data, the foreclosure was initiated in xx<br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/2024, the reason for default is curtailment of income.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied.<br> As per the comment dated xx/xx/2023, the repayment plan was approved for 5 months from xx/xx/2023. <br> xx<br> Foreclosure Comments:As per seller tape data, the foreclosure was initiated in 2012 and complaint was filed on xx/xx/2012. Further details not found. <br> Bankruptcy Comments:Not Applicable | The modification agreement was made on xx between the borrower, "xx," and the lender, "xx." As per the modified terms, the new principal balance is xx The interest-bearing amount is xx and the deferred balance is xx The deferred balance is eligible for forgiveness. The borrower agreed to pay the P&I of xx and an interest rate of xx beginning on xx until the maturity date of xx<br>| Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Not all borrowers signed HUD (Lvl 3) "Final HUD-1 is not signed by the borrower." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "The appraisal report is more than 120 days old at closing. Appraisal update or 1004D is missing from the loan documents. xx search shows an estimated value of xx Current UPB xx<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 48277821 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Oregon | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2545.27 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $740.71 | 1.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 26.508% | First | Final policy | Not Applicable | XX | 12/xx/2011 | $232290.95 | $53200.00 | 4.125% | $734.44 | 08/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> There is an active junior mortgage against the subject property in favor of xx, a federal association in the amount of xx which originated on xx and recorded on xx/xx/2005 with the instrument # xx<br> There is a divorce judgment found against the subject borrower in favor of xx<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.125%. The UPB is xx As per the deferment agreement located at xx, the modified deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx<br> As per the comment dated xx the reason for default is payment adjustment.<br> The loan was modified on xx<br> As per the seller's tape, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower xx and lender xx with an effective date of xx shows the new modified unpaid principal balance is xx out of which xx is interest-bearing amount and deferred amount is $53,200. The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.00% starting on xx which will be changed in 04 steps until the new maturity date of xx The rate will change in 04 steps which ends with 4.125%. There is no principal forgiven amount. As per the document located at xx, the lender had forgiven the deferred balance in the amount of xx which exceeds the 2.00% of the modified principal balance of xx | Balloon Rider<br> Credit Report<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from the loan document."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Missing credit report (Lvl 2) "Credit report doc is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36952259 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $3585.82 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $1624.18 | 1.825% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 31.729% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2015 | $472899.78 | $273434.09 | 2.000% | $604.03 | 07/xx/2015 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on <br> xx and was recorded on xx/xx/2006 in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/25 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/25 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 2.00%. The UPB is xx and deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx The UPB is xx<br> The loan was modified on xx<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrower filed for bankruptcy under Chapter xx<br> As per tape data, the borrower's income was impacted due to Covid-19 pandemic <br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under Chapter xx with the case#xx on xx As per voluntary petition schedule D the amount of claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is xx | This modification agreement signed between the borrower xx and lender xx. with an effective date of xx shows the new modified unpaid principal balance is xx out of which xx is interest-bearing amount and deferred amount is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of xx starting on xx and continuing until the new maturity date of xx There is no principal forgiven amount. | Balloon Rider<br> Credit Report<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from loan file."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Missing credit report (Lvl 2) "Credit report doc is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38568292 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $24398.48 | Unavailable | Unavailable | No | Unavailable | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $5151.98 | 1.600% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | PUD | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 32.525% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2014 | $1626732.98 | $461200.00 | 2.000% | $3529.53 | 07/xx/2014 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.  | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx | Collections Comments:The current status is bankruptcy.<br> As per the review of tape data of payment history as of xx the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 4.250%. The UPB is xx<br> As per the UT dated xx/xx/2025, the foreclosure was initiated by filing thexx<br> The BWRs "xx" filed the bankruptcy under chapter 11 on xx/xx/2011 with case #xx. The BK is still active.<br> The loan was modified on xx <br> No evidence of damage or repair has been found.<br> As per the tape, the subject property is owner-occupied. <br>Foreclosure Comments:As per the UT dated xx/xx/2025, the foreclosure was initiated by filing the lis pendens on xx/xx/2011. As per the tape, the FC was suspended. Further details were not provided.<br> Bankruptcy Comments:The BWRs "xx | The step modification agreement was signed between the borrower and lender with an effective date of xx and the new modified unpaid principal balance is xx The modified monthly P&I is xx with an interest rate of xx starting on xx which will be changed in 4 steps until the new maturity date of xx The rate will change in four steps, which end with xx There is a deferred amount of xx and the interest-bearing amount was xx | Balloon Rider<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated closing statement in the file." | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from the loan documents."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $4,163.36 exceeds the per diem interest charge or credit threshold $1,097.13."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29197304 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3729.77 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $855.53 | Unavailable | 5.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 768 | Not Applicable | 33.316% | First | Final policy | Not Applicable | XX | 09/xx/2016 | $186803.78 | Not Applicable | 2.000% | $724.93 | 09/xx/2016 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx<br> There is a junior mortgage against the subject property in the amount of xx in favor of xx<br> The annual county taxes for 2024 were paid in the amount of xx<br> No prior year's delinquent taxes have been found.  | According to seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is xx with an interest rate of 3.375%. The current UPB reflected as per the payment history tape data is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to seller tape data, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history tape data is xx<br> The loan was modified on xx with the principal balance of xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement was made on 9/xx/2016 between the borrower "xx" and lender "xx". The new principal balance is xx with an interest rate of xx which steps up in 3 steps, ending at xx The borrower promised to pay the monthly P&I of xx beginning on xx and the maturity date is xx | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is not signed by the borrower." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32058555 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $10718.29 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | $2680.00 | $3840.07 | 6.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 26.316% | First | Final policy | Not Applicable | XX | 10/xx/2020 | $455845.74 | Not Applicable | 3.250% | $1698.21 | 10/xx/2020 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There is a credit card judgment found against the borrower in favor of xx<br> There is a civil judgment found against the borrower in favor of xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 3.25%. | Collections Comments:The current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> The loan was modified on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> The borrower filed for bankruptcy under Chapter xx with case #xx on xx The borrower was discharged on xx and terminated on xx<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2023, the borrower's income is impacted by Covid-19. xx<br> As per the deferment agreement dated xx/xx/2022, which is located at xx, the servicer deferred payments in the amount of xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx | This modification agreement signed between the borrower, xx, and lender, xx., with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of xx starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. |  | xx | 1: Acceptable |  |  |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40413439 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7173.56 | Unavailable | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2880.12 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | Not Applicable | 50.864% | First | Final policy | Not Applicable | Not Applicable | 10/xx/2010 | $462141.62 | Not Applicable | 2.000% | $1715.13 | 10/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There are 5 state tax liens found against the subject borrower in the total amount of xx filed by different plaintiffs, which were recorded on different dates.<br> There is a credit card judgment found against the subject borrower in favor of xx<br> The 1st installment of county taxes for 2024/25 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/25 is due in the amount of xx on xx/xx/2025.<br> The annual water charges for 2025 have been delinquent in the amount of $112.47 which good through xx | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is xx The UPB is xx<br> As per the deferment agreement dated xx xx and xx which is located at xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is $296,920.63, and the deferred balance is xx<br> As per the servicing comment dated xx the reason for default is curtailment of income.<br> As per the servicing comment dated xx the property is owner-occupied.<br> The foreclosure was initiated in this loan in xx<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> As per the tape, the borrower's income was impacted by covid-19, xx<br> Foreclosure Comments:The foreclosure was initiated in this loan in xx<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.00% starting on xx which will be changed in 4 steps until the new maturity date of xx The term will change in 4 steps, which ends with an interest rate of 4.500% and P&I is xx | Good Faith Estimate<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan documents. Values are updated from borrower estimated closing statement." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The loan is failing for Per Diem Interest Amount Test."<br> \* Good Faith Estimate missing or unexecuted (Lvl 2) "Final GFE signed by borrower is missing from the loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date is not consistent with note and/or HUD" |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1992661 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $11.79 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2144.68 | 8.775% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 696 | 680 | 47.461% | First | Final policy | Not Applicable | XX | 08/xx/2012 | $271835.31 | $33785.31 | 4.625% | $1089.39 | 09/xx/2012 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lxx<br> The first prior mortgage was originated on x x recorded on xx in the amount of xx with xx<br> There are three junior mortgages against the subject property. The first mortgage was originated on xx and recorded on xx in the amount of xx with xx the second mortgage was originated on xx and recorded on xx in the amount of xx with xx and the third mortgage was originated on xx/xx/2024 and recorded on xx in the amount of xx with the xx<br> There is a quiet title judgment against the borrower in favor of xx recorded on xx/xx/2015. The amount of the judgments is not mentioned on the supporting document. <br> The annual county taxes for 2024 were paid in the amount of $11.79.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 4.625%.<br> The deferred principal balance is xx<br>| Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current unpaid principal balance is xx <br> The loan has been modified on xx<br> As per the seller's tape, the Covid forbearance plan was approved from xx<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made on 8/xx/2012 between the borrowers, "xx," and the servicer, "xx." As per the modified terms, the new principal balance is xx The deferred balance is xx and the interest-bearing principal is xx The borrower agreed to pay the P&I of xx and an interest rate of xx beginning on xx until the maturity date of xx | Loan Program Info Disclosure | xx | 2: Acceptable with Warnings |  |  | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65626041 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $819.20 | Unavailable | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1218.36 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Unavailable | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 52.164% | First | Final policy | Not Applicable | Not Applicable | 09/xx/2010 | $201722.95 | $101600.00 | 2.000% | $303.20 | 09/xx/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for the year of 2024 has been paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for the year of 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current interest rate is 4.625%, and P&I is xx The UPB as per the tape data is xx and the deferred principal balance is xx | Collections Comments:The current status of the loan is performing.<br> According to seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB as per the tape data is xx and the deferred principal balance is xx<br> The loan was modified xx<br> According to a comment dated xx/xx/2023, RFD is other.<br> xx<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No comment pertaining to damage to the subject property has been observed.<br> According to a comment dated xx/xx/2023, the subject property is owner-occupied.<br>Foreclosure Comments:xx<br> Bankruptcy Comments:Not Applicable | The step modification agreement was made between the borrower and lender on xx and the new principal balance is xx The modified monthly P&I is xx with a modified interest rate of xx starting on xx which will be changed in 4 steps until the new maturity date of xx The rate will change in 04 steps, which ends with xx The deferred balance is xx and the interest-bearing amount is xx | Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from loan documents."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date is xx/xx/2007, and the note date is xx/xx/2007, which is not consistent." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36009802 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $1660.05 | Unavailable | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1039.92 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 616 | Not Applicable | 26.559% | First | Final policy | Not Applicable | Not Applicable | 02/xx/2017 | $143393.11 | Not Applicable | 3.000% | $513.32 | 02/xx/2017 | Financial Hardship | According to the updated title report dated xx/xx/2025, the xx mortgage was originated on xx in favor of MERS as nominee for xx. for the amount of xx which was recorded on xx<br> There are 2 civil judgments found against the borrower filed by different plaintiffs & recorded on xx & xx/xx/2023. The supporting document does not reflect the judgments amount.<br> Annual county taxes for the year of 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> The loan was modified on x<br> As per the tape, the foreclosure was initiated with xx<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2023, the repayment plan has been approved in the amount of xx for 5 months from xx/xx/2023.<br> Foreclosure Comments:As per the tape, the foreclosure was initiated xx<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.00% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand-dated by the borrower."<br> \* TIL not hand dated (Lvl 2) "The final TIL is not hand-dated by the borrower." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96766221 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $7877.55 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2748.63 | 5.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  |  |  | Unavailable | Single Family | xx | xx | Primary | Yes | No | No | 719 | 614 | 49.111% | First | Final policy | Not Applicable | Not Applicable | 12/xx/2010 | $448395.66 | Not Applicable | 3.250% | $1670.46 | 12/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xxassociation, in the amount of xx which was recorded on xx<br> There is an active junior mortgage against the subject property in favor of the xx<br> The first installment of county taxes for the year of 2024-25 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for the year of 2024-25 is due in the amount of xx on xx/xx/2025.<br> No prior year delinquent taxes have been found. | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last payment date. The current P&I is $1,917.33 with an interest rate of 4.250%. As per the tape, the current UPB is xx | Collections Comments:The loan is currently performing.<br> As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. As per the tape, the current UPB reflected is xx<br> As per the collection comment dated xx/xx/2023, the RFD is an excessive obligation.<br> The loan was modified on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No foreclosure activity has been found.<br> As per PACER, the borrower, xx had filed bankruptcy under chapter xx with the case #xx on xx The BK discharged on xx<br> No details pertaining to the damage to the subject property have been observed.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:As per PACER, the borrower, xx | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.250% starting on 12/xx/2010, which will be changed in 2 steps until the new maturity date of xx The borrower is making payment per the 2nd step with P&I xx and an interest rate of xx There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the fee itemization in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $296.80 exceeds the per diem interest charge or credit threshold $-74.20 over by $371." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81847888 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $9233.99 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3427.23 | 1.450% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | 640 | 22.933% | First | Final policy | Not Applicable | XX | 07/xx/2022 | $826816.16 | Not Applicable | 4.780% | $3867.17 | 07/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.780%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> As per the tape data, the property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan was modified on xx/xx/2022.<br> As per the tape data, borrower's income was impacted by covid-19 and xx<br> As per the deferment agreement dated xx<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement made between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 4.780% starting on xx continuing until the new maturity date of xx | HUD-1 Closing Statement<br> Loan Program Info Disclosure | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 along with preliminary HUD-1 is missing from the loan file." | \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from loan file."<br> \* Operative index value is unable to confirm (Lvl 2) "Operative index doc is missing from loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40498228 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $889.03 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $326.04 | 11.750% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 08/xx/2018 | $23679.96 | Not Applicable | 4.625% | $108.37 | 08/xx/2018 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is a hospital lien found against the borrower in favor of xx<br> There is a civil judgment found against the borrower in favor of xx.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and the interest rate is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $108.37, and the interest rate is 4.625%. The UPB is xx<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, the borrower xx filed for bankruptcy under Chapter xx with case # xx on xxNo information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower xx | This modification agreement signed between the borrower xx and lender xx with an effective date of 08/xx/2018 shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 4.625% starting on 08/xx/2018 and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. xx search shows an estimated value of xx Current UPB xx<br> \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79284646 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2457.50 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1029.25 | 1.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 740 | 697 | 23.225% | First | Short Form Policy | Not Applicable | Not Applicable | 01/xx/2016 | $212152.63 | $41600.00 | 3.875% | $676.85 | 01/xx/2016 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the total amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the tape data as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $899.68, which was applied for the due date of xx/xx/2024. The current monthly P&I is $676.85 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx As per tape data deferment amount is xx and the loan was modified on xx with deferred amount xx and deferment agreement is located at xx | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx The current monthly P&I is $676.85 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment in income.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> According to the PACER, xx<br> The loan was modified on xx/xx/2016.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024, the property is owner-occupied.<br> As per comment dated xx/xx/2023,xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER,xx | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx out of which xx is an interest-bearing amount and the deferred amount is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.00% starting on 1/xx/2016, which will be changed in 03 steps until the new maturity date of xx The rate will change in 03 steps, which ends with xx There is no principal forgiven amount. | Balloon Rider<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the estimated HUD-1 in the file." | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from the loan documents."<br> \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan exceeds the per diem interest charge or credit threshold xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 815928 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | Other |  | $0.00 | $1285.08 | Unavailable | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2883.43 | 8.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | 71.999% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2013 | $479639.81 | $280282.00 | 3.500% | $791.92 | 08/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender xx<br> There is a municipal lien against the subject property in favor of thexx, in the amount of xx which was recorded on xx/xx/2016.<br> There is an active real estate lien against the subject property in favor of the xx<br> There is an active state tax lien against the borrower in favor of thexx<br> 2nd installment of county taxes for the year 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history of tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is $791.92 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx and deferred balance is xx | Collections Comments:The loan is currently performing.<br> According to the payment history of tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current UPB reflected as per the payment history is xx<br> The reason for the default is not available.<br> Unable to determine the current occupancy of subject property.<br> The loan was modified on xx<br> xx<br> No comments have been found for bankruptcy.<br> No details pertaining to the damage to the subject property have been observed.<br>Foreclosure Comments:The foreclosure was initiated multiple times.xx<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is xx The monthly P&I is $791.92 with an interest rate of xx beginning on xx and a maturity date of xx The deferred balance is xx which is eligible for forgiveness. |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78056120 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $8272.02 | Unavailable | Unavailable | No | Unavailable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $2166.14 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | No | No | Not Applicable | Not Applicable | 47.401% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2014 | $651087.95 | $190700.00 | 2.000% | $1394.17 | 08/xx/2014 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx<br> There is a junior mortgage against the subject property that originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is a credit card judgment found against the borrower in xx<br> There are 5 state tax liens found against the borrowers in favor of different plaintiffs in the total amount of xx which were recorded on different dates. The documents reflect this lien upon all property and real estate now owned by the borrower.<br> There is an abstract judgment found against the 'xx' recorded on xx/xx/2019 under Instrument No. xx and this was satisfied. Acknowledgment of satisfaction of judgment was recorded on xx/xx/2023 under Instrument No. xx<br> The first installment of county taxes for 2024 is paid on xx/xx/2024 in the amount of xx<br> The second installment of county taxes for 2024 is due on xx/xx/2025 in the amount of xx<br> No prior year's delinquent taxes have been found. | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is $1,888.02 with an interest rate of 4.125%. The current UPB is xx and the deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current P&I is xx with an interest rate of 4.125%. The current UPB is xx and the deferred balance is xx<br> As per UT, the foreclosure was initiated inxx<br> As per seller tape data, the subject property is occupied by the borrower.<br> No evidence has been found regarding damages.<br> The loan modification agreement was made between the borrower and lender on xx/xx/2014.<br> According to the PACER report, the borrowers, xx<br> The RFD is not available. <br>Foreclosure Comments:As per UT, the foreclosure was initiated in xx.<br> Bankruptcy Comments:According to the PACER report, the borrowers, xx | The step modification agreement was made between the borrower and lender with an effective date of xx The new modified UPB is xx out of which the deferred balance is xx The interest-bearing principal balance is xx The modified monthly PITI of xx with an interest rate of 2.00% starting on xx which will be changed in 4 steps until the new maturity date of xx The rate will change in 4 steps, which end with 4.125%. | HUD-1 Closing Statement<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated closing cost in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $1,544.18 exceeds the per diem interest charge or credit threshold $333.90."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88719164 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $6799.92 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $3006.80 | 2.550% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation | No | Not Applicable |  |  |  |  | Unavailable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 31.132% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2010 | $825831.99 | Not Applicable | 2.130% | $1783.41 | 07/xx/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024-2025 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 2.130%. The UPB is xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $1,783.41, and the interest rate is 2.130%. The UPB is xx<br> The RFD is unable to be determined. <br> The loan was modified on xx<br> As per the tape, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> The BWRs "xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:The BWRs "xx | The modification agreement was made between the lender and borrower on 7/xx/2010. As per the modification agreement, the UPB was xx from which the amount of xx has been reduced, and the new modified UPB was xx The BWRs agreed to pay the monthly P&I of $1,783.41 with an interest rate of 2.130% beginning on xx The maturity date is xx There is no deferred amount. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the estimated borrower's closing statement in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan ($2,635.50) exceeds the per diem interest charge or credit threshold ($792.25)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment penalty rider is missing from loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11648485 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $7164.45 | Unavailable | xx | No | Other | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1732.91 | 1.250% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 730 | 698 | 17.823% | First | Final policy | Not Applicable | XX | 09/xx/2010 | $546318.22 | $203100.00 | 4.625% | $1499.52 | 09/xx/2010 | Financial Hardship | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in xx<br> There are 4 junior state tax liens in the total amount of xx<br> The 1st installment of county tax for 2023/2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county tax for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx Unable to determine the last payment received date. The current P&I is xx and the interest rate is 4.625%. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx Unable to determine the last payment received date. The current P&I is $1,499.52 and the interest rate is 4.625%. The current UPB is xx<br> xx<br> According to the PACER, the borrower <br> The step modification agreement made between the borrower and lender with an effective date of xx<br> Unable to determine the RFD. <br> As per tape data, the subject property is owner occupied. <br> No damage or repairs have been found.<br>Foreclosure Comments:The foreclosure was initiated. As per the UT report dated xx the complaint was filed on xx located at "xx<br> Bankruptcy Comments:According to the PACER, the borrower "xx" filed for bankruptcy under Chapter 7 with case# xx on xx The subject property address is not listed in schedule A and schedule D of the voluntary petition. | The step modification agreement made between the borrower and lender with an effective date of 09/xx/2010 and the new modified principal balance is $546,318.22 out of which $343,218.22 is interest bearing amount and deferred amount is $203,100.00. The modified monthly P&I is $1,039.35 with a modified interest rate of 2.000% starting on 09/xx/2010, which will be changed in 04 steps until the new maturity date of 08/xx/2050. The rate will change in 04 steps which ends at 4.625%. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 closing statement signed by borrower is missing from the loan documents. Fees are updated from buyers/borrowers closing statement." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test. Total fees charged is $435.48 and allowed $90.30, it is over charged by+$345.18."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2611385 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1227.93 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $456.61 | 9.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 45.962% | First | Final policy | Not Applicable | Not Applicable | 05/xx/2015 | $38259.91 | Not Applicable | 3.875% | $201.24 | 05/xx/2015 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is xx The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx The UPB is xx<br> As per tape data, the subject property is owner occupied. <br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by owner.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 2.00% starting on xx which will be changed in 03 steps until the new maturity date of xx The rate will change in 03 steps, which ends with 3.875%. There is no deferred balance and principal forgiven amount. | Credit Report<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* TIL not hand dated (Lvl 2) "TIL not hand dated by the borrower." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86995905 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $164.42 | Unavailable | Unavailable | No | Unavailable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $875.61 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  |  |  | Unavailable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 53.807% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2013 | $139739.41 | Not Applicable | 3.520% | $194.50 | 08/xx/2013 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the xx<br> There are 3 municipal liens found against the subject property in the total amount of xx<br> The 1st, 2nd, 3rd installments of county taxes for 2025 were paid in the total amount of xx on xx/xx/2024, xx/xx/2024 and xx/xx/2025.<br> The 4th installment of county taxes for 2025 is due in the total amount of xx on xx/xx/2025.<br> The sewer charges have been due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 3.52%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2013.<br> As per the tape, the foreclosure was initiated with the loan onxx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:As per the tape, the foreclosure was initiated with the loan on xx and the FC status is removed. Further details are not provided.<br> Bankruptcy Comments:According to the PACER, the xx | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx out of which xx is an interest-bearing amount. The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of xx starting on 08/xx/2013 and continuing until the new maturity date of xx As per the modification agreement, the lender has forgiven the principal in the amount of xx | HUD-1 Closing Statement<br> Notice of Servicing Transfer | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) "Home is not affixed to the land. As per the appraisal report dated xx/xx/2008 located at xx, the subject property is a single family. As per the seller's tape data and tax certificate attached with the updated title report dated xx/xx/2025, the subject property is a manufactured home. The affidavit of affixation document is not available in the loan file. The ALTA 7 endorsement is not attached to the final title policy. The VIN/serial number is not available in the legal description of the recorded mortgage. We are unable to determine whether the home is attached to the permanent foundation." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents."<br> \* Lost Note Affidavit (Lvl 3) "The lost note affidavit is available in the file located at xx the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Servicing transfer doc is missing from loan file." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16221614 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $16858.20 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5072.27 | 6.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 671 | Not Applicable | 30.787% | First | Final policy | Not Applicable | XX | 01/xx/2022 | $994389.18 | Not Applicable | 3.000% | $3559.76 | 01/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There are 3 civil judgments found against the borrower in the total amount of xx filed by different plaintiffs and recorded on xx/xx/2023, xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.00%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx<br> The loan was modified on xx/xx/2022.<br> As per the servicing comment dated xx/xx/2024, the reason for default is business failure.<br> As per servicing comment dated xx/xx/2024, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the borrower's income was impacted due to Covid-19 pandemic and the Covid forbearance plan began on xx/xx/2020 and ended on xx/xx/2021.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower xx and lender xx with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.00% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD is missing from the loan documents. CE was tested based on seller provided closing statement." | \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test as the final TIL is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $44021.03 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93156703 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $7044.42 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2408.03 | 1.350% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  |  |  | Unavailable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | No | 778 | 778 | 22.636% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2010 | $740582.34 | Not Applicable | 5.000% | $2782.71 | 08/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The 1st installment of county taxes for 2024-2025 was paid in the total amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and the interest rate is xx The UPB is $303,446.82 and deferred balance is xx | Collections Comments:The loan is currently performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx<br> As per servicing comment dated xx/xx/2023, the borrower's income has been impacted due to Covid-19 pandemic and as per seller's tape data,xx<br> As per the servicing comment dated xx/xx/2023, the reason for default is unemployment.<br> The loan was modified on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement was signed between the borrower and lender with an effective date of xx and shows the new modified unpaid principal balance is xx The principal forgiven is xx and the interest-bearing UPB is xx The borrower agreed to pay the P&I of xx and an interest rate of 5.000% beginning on xx until the maturity date of xx | HUD-1 Closing Statement<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated settlement statement in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $2,371.52 exceeds the per diem interest charge or credit threshold $421.64 over by xx<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan file." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4860077 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $10802.32 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5408.33 | 7.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 652 | Not Applicable | 45.267% | First | Final policy | Not Applicable | XX | 01/xx/2021 | $838665.76 | Not Applicable | 3.000% | $3002.29 | 01/xx/2021 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor ofxx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024. <br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to the seller tape, as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is xx with an interest rate of xx The current UPB reflected as per the seller tape is xx | Collections Comments:Currently, the loan is performing.<br> According to the seller tape, as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025.The current UPB is xx<br> xx<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Loan modification agreement was made between the borrower and lender on 1/xx/2021. The new modified rate is 3.000% and the borrower promises to pay P&I of xx which began on 1/xx/2021. The new principal balance is xx The maturity date is xx | Missing or error on the Rate Lock |  | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50823708 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $7835.81 | $7123.47 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3353.50 | 2.400% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 645 | Not Applicable | 26.086% | First | Final policy | Not Applicable | XX | 06/xx/2010 | $885834.89 | Not Applicable | 4.522% | $3875.03 | 07/xx/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx in favor ofxx<br> There are two active judgments against the borrower in xx<br> There is an active judgment against the borrower in favor of xx<br> The county taxes for 2024 (2nd installment) are due in the amount of xx on xx/xx/2025.<br> The county taxes for 2024 (1st installment) are delinquent in the amount of xx which is good through xx/xx/2025. | According to the seller tape data, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is xx and PITI is xx with an interest rate of 4.522%. The current UPB is xx and the balance is $50,375.39. As per document xx | Collections Comments:The current status of loan is performing. <br> According to the seller tape data, the borrower is current with the loan, and the next due date is xx The current UPB is xx and the deferred balance is xx<br> CCs do not show damages. <br> Unable to determine the reason for default.<br> As per tape data, the subject property is occupied by the borrower. <br> No information has been found regarding foreclosure and bankruptcy. <br> As per seller tape data, the borrower's income is impacted by COVID-19, and a xx<br> Loan was modified on xx/xx/2010.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx with the new principal balance of xx out of which a principal amount of $26,584.89 has been forgiven. The monthly P&I is xx with an interest rate of 4.522% beginning on xx and a maturity date of xx | Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan of $5,378.62 exceeds the per diem interest charge or credit threshold of $1,074.41."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan document." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 82537398 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $2908.98 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 11 | xx | Not Applicable | Not Applicable | xx | $1836.20 | $2460.84 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  |  |  | Unavailable | 2 Family | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | 47.856% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last transaction details. The current P&I is $1,821.38 with an interest rate of 5.00%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current UPB, as reflected in the payment history tape data, is xx the deferred balance is xx<br> As per the deferral agreement dated xx/xx/2021, the lender deferred the 9 months payment in the total amount of xx<br> As per the seller's tape data, the borrower's income was impacted by COVID-19.<br> No foreclosure activity has been found.<br> xx<br> As per the comment dated xx/xx/2023, the subject property was damaged due to the water and needs interior repairs on the xx. As per the collection comment dated xx/xx/2023, the loss draft check was received in the amount of xx on xx/xx/2023. Unable to confirm the cost to cure and repair status.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:As per the review of the PACER report, the borrower xx | Not Applicable | HUD-1 Closing Statement | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 is missing from the loan documents. Fees are updated from the disbursement statement."<br> \* Lost Note Affidavit (Lvl 3) "The lost-note affidavit dated xx/xx/2007 was found at location "xx," showing the original note was misplaced, lost, or destroyed. A copy of the note is also located in the same file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35931456 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7200.96 | Unavailable | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2295.31 | 6.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | 793 | 38.983% | First | Final policy | Not Applicable | XX | 05/xx/2010 | $444238.36 | $44100.00 | 2.000% | $1211.72 | 05/xx/2010 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx/xx/2007 and recorded on xx/xx/2007 in the amount of xx <br>There is an IRS lien against the borrower in favor of the xx<br> The first installment of county taxes for 2024 was paid in the amount of xx<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 5.000%. | Collections Comments:The loan is currently performing.<br> According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current unpaid principal balance is xx <br> The loan was modified on xx<br> xx<br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br>Foreclosure Comments:As per the notice of lis pendens located at "xx<br>Bankruptcy Comments:Not Applicable | The modification agreement was made on 5/xx/2010 between the borrowers, "xx," and the lender, "xx." As per the modified terms, the new principal balance is xx The interest-bearing amount is xx and the deferred balance of $44,100.00. As per the document located at "xx" the deferred balance is xx has been forgiven. There are 4 steps of modification. The borrower agreed to pay the P&I of $1,211.72 and an interest rate of 2.000% beginning on xx until the maturity date of xx | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1 is missing from the loan documents. CE was tested based on seller provided TIL fee itemization." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $603.88 exceeds the per diem interest charge or credit threshold $226.38."<br> \* Final TIL Date after actual transaction date (Lvl 2) "Final TIL date is after the transaction date."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 2 months prior to note date."<br> \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) "ROR transaction date is xx/xx/2007 and the note date is xx/xx/2007 which is not consistent." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13324486 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $5915.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1043.14 | 1.625% | 480 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 676 | 707 | 20.888% | First | Final policy | Not Applicable | XX | 02/xx/2020 | $198979.44 | Not Applicable | 3.625% | $785.82 | 02/xx/2020 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There are 22 utility liens found against the subject property in the total amount of xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.625%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx As per the tape, the current P&I is xx and the interest rate is 3.625%. The UPB is xx<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2020.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrowers Isabel Amezcua and Genaro V. Amezcua and lender xx with an effective date of 2/xx/2020 shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.625% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1 signed by borrower is missing from the loan documents. CE was run using estimated closing statement." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $0.00 and allowed -$99.66, it is over charged by +$99.66."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91983021 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | Other |  | $0.00 | $4267.29 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2022.34 | 5.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | Not Applicable | Not Applicable | 39.382% | First | Short Form Policy | Not Applicable | XX | 07/xx/2011 | $0.00 | Not Applicable | 4.474% | $2022.24 | 08/xx/2011 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are 2 active prior mortgages against the subject property which were recorded prior to the subject mortgage. The first prior mortgage was originated on xx which was recorded on xx in the amount of xx with the lender xx and the second mortgage was originated on xx which was recorded on xx in the amount of xx with the lender of xx<br> There is an active mortgage against the subject property in favor of xx in the amount of xx which was originated on xx and recorded on xx This mortgage is subordinate to subject mortgage and the subordinate agreement located at "xx".<br> There is a federal tax lien on the subject borrower in favor of xx<br> The 1st installment of county taxes for 2024-25 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-25 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.474%. The UPB is $376,912.62 and deferred balance is xx<br> As per the deferment agreement dated xx and xx which are located at xx, the servicer deferred 14 payments in the total amount of xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is xx and the deferred balance is xx<br> The reason for default is not available in CC.<br> The modification agreement was signed between the borrower and lender with an effective date of xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the property is owner-occupied.<br> As per the tape, the borrower's income was impacted by covid<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $2,022.24 with a modified interest rate of 4.474% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77961525 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $6498.88 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1928.53 | 2.025% | 360 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation | Not Applicable | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | xx | xx | Primary | Yes | Yes | No | 659 | 705 | 9.248% | First | Final policy | Not Applicable | Not Applicable | 03/xx/2011 | $543025.18 | Not Applicable | 4.000% | $2570.52 | 03/xx/2011 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender xx,, in the amount of xx which was recorded on x<br> There is a junior mortgage against the subject property that originated on xx/xx/2006 in favor of xx, a federal association, in the amount of xx which was recorded on xx<br> The first installment of county taxes for 2024-2025 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $2,570.52, and the interest rate is 4.000%. The UPB is xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $2,570.52, and the interest rate is 4.000%. The UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified on xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan was modified between the BWR and lender on 3/xx/2011. As per this modification agreement, the new principal balance is xx and the borrower promised to pay principal and interest in the amount of $2,570.52 at a rate of 4.000%. According to this agreement, the new maturity date will be xx There is no deferred or forgiven amount. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Prepayment Penalty Rider | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD missing. CE was tested using the latest TIL itemization in the file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test. The per diem interest amount charged on the loan of xx exceeds the per diem interest charge or credit threshold of $-28.85."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan document." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12272474 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3488.17 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1248.72 | 1.600% | 480 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Full Documentation |  | Not Applicable |  |  | Not Applicable |  | Unavailable | Single Family | xx | xx | Primary | Yes | Yes | No | 778 | Not Applicable | 52.939% | First | Final policy | Not Applicable | Not Applicable | 05/xx/2014 | $452040.48 | $57000.00 | 4.375% | $1488.01 | 05/xx/2014 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is a junior mortgage against the subject property in the favor of xx, in the amount of xx and recorded on xx<br> The first installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the seller tape, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is $281,526.82. The current P&I is xx and the interest rate is 4.375% and deferred balance is xx | Collections Comments:The current status of the loan is performing.<br> According to the seller tape, the borrower is current with the loan, and the next due date is xx The current unpaid principal balance is xx<br> The reason for the default is not available.<br> The loan was modified on xx/xx/2014.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx and the interest-bearing amount is xx The total deferred amount is xx out of which xx is eligible for forgiveness. As per the tape data, the applied forgiveness amount xx The borrower agreed to pay the modified monthly P&I of $1,064.28 with a modified interest rate of 2.00% starting on xx which will be changed in 4 steps until the new maturity date of xx The rate will change in 4 steps, which ends with 4.375%. | HUD-1 Closing Statement<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "File missing final HUD. CE was tested using the latest TIL itemization in file." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed state regulations for the per diem interest amount test due to fees charged $1,756.20 exceeds fees threshold of $452.33 over by +$1,303.87."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60336295 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $5927.36 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 7.990% | 360 |  | xx | xx |  | HELOC | Revolving |  | Cash Out | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | 4 Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> There is an active prior mortgage against the subject property in favor of xx, a federal association in the amount of xx which originated on xx and recorded on xx with the instrument # xx<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current monthly payment is $712.36 and interest rate is 7.49%. The UPB is xx and the deferred amount is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx The UPB is xx<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> xx<br> No information has been found related to damage or repairs.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. Zillow search shows an estimated value of xx Current UPB xx<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Minimal | Not Covered | Pass | No Result | Not Covered | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79669121 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $5158.97 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1655.55 | 1.475% | 480 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 47.151% | First | Final policy | Not Applicable | XX | 02/xx/2022 | $517348.07 | Not Applicable | 3.375% | $1965.56 | 02/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx.<br> There is a junior mortgage originated on xx in favor of xx in the amount of xx which was recorded on xx<br> The first installment of county taxes for the year 2024-2025 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for the year 2024-2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is unable to be determined. The current P&I is xx and PITI is $3,055.18 with an interest rate of xx The current UPB reflected as per the tape data is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the tape data is xx<br> As per the servicing comment dated xx/xx/2023, the reason for default is excessive obligation.<br> The modification agreement was made between the lender and borrower on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2023, the subject property is owner occupied.<br> As per collection comment dated xx/xx/2023, the subject property is located in FEMA disaster area. CCs do not show damages.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on xx As per the modified term, the new principal balance is xx The monthly P&I is $1,965.56 with an interest rate of 3.375% beginning on xx and a maturity date of xx | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $340.68 exceeds the per diem interest charge threshold $97.00."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80536612 | xx | xx | xx | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $808.58 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | Unavailable | 9.900% | 360 |  | xx | xx |  | HELOC | Revolving |  | Refinance | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Second | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> There is an active prior mortgage in favor of xx in the amount of xx which originated on xx and was recorded on xx<br> The 1st and 2nd installments of county taxes for 2024 are due in the total amount of xx on xx and xx<br> The 2nd installment of county taxes for 2023 was paid in the amount of xx on xx/xx/2024.<br> The annual water charges for 2025have been due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $6.26 and interest rate is 8.900%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $6.26, and the interest rate is 8.900%. The UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Note<br> Origination Appraisal | xx | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) "The original note is missing. The lost note affidavit is not available in the loan file. The loan was not modified." |  | \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. xx search shows an estimated value at xx Current UPB: xx |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65277217 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1290.22 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $324.34 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 10/xx/2010 | $46070.66 | Not Applicable | 4.250% | $259.91 | 10/xx/2010 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx in the amount of xx which originated on xx and recorded onxx<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx<br> No prior year's delinquent taxes have been found. | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $259.91, and the interest rate is 4.250%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $259.91, and the interest rate is 4.250%. The UPB is xx<br> The reason for the default is not available.<br> The step modification agreement was signed between the borrower and lender with an effective date of xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The step modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $259.91 with a modified interest rate of 4.250% starting on xx which will be changed in 3 steps until the new maturity date of xx The rate will change in 3 steps, which ends with 4.250%. There is no deferred balance and principal forgiven amount. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file. xx search shows an estimated value of xx Current UPB xx<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85709204 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Michigan | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2265.66 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Chapter 7 | xx | Not Applicable | Yes | xx | Not Applicable | $515.88 | 7.200% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Manufactured Housing | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 02/xx/2008 | $71554.89 | Not Applicable | 7.200% | $556.26 | 03/xx/2008 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx<br> There is a junior mortgage against the subject property that was originated on xx in favor of xx, in the amount of xx which was recorded on xx<br> The second installment of county taxes for the year 2024 is due in the amount of xx on xx/xx/2025. <br> The first installment of county taxes for the year 2024 is paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $556.26, and the interest rate is 7.200%. The UPB is $21,837.81 and deferred balance is $11,728.39.<br> As per the tape, there is a deferred amount of $11,728.39 and the deferral agreement located at "xx," shows that the amount of $11,728.39 has been deferred. | Collections Comments:The current status of the loan is performing.<br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $556.26, and the interest rate is 7.200%. The UPB is $21,837.81 and deferred balance is $11,728.39.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> According to the PACER, the borrower Christina Elaine Bennett filed bankruptcy under Chapter 7 with case xx on xx/xx/2003. The BK was discharged on xx/xx/2004 and terminated on xx/xx/2004.<br> As per the tape, the BWR's income was impacted by the COVID, and the FB plan started on xx/xx/2020 and ended on xx/xx/2021.<br> As per the tape, the subject property is owner-occupied. <br> The loan was modified between the BWR and lender on xx/xx/2008.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:According to the PACER, the borrower Christina Elaine Bennett filed bankruptcy under Chapter 7 with case xx. As per the voluntary petition, the amount of the claim without deducting the value of the collateral was $71,500.00, and the value of the collateral was xx. The unsecured portion is $0.00. The BK was discharged on xx/xx/2004 and terminated on xx/xx/2004. | The modification agreement was made between the lender and borrower on 2/xx/2008. As per the modified term, the new principal balance was $71,554.89, and the BWR promises to pay the monthly P&I of $556.26 with an interest rate of 7.200% beginning on 3/xx/2008. The new maturity date is 9/xx/2028. There is no deferred or forgiven amount. | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) "Home is not affixed. The final appraisal report is missing, and as per the tape, the subject property type is manufactured home. The Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached to the final title policy, and the VIN# is not available in the legal description of the recorded mortgage." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB $xx."<br> \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86848781 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1180.88 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $454.19 | 7.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 06/xx/2013 | $55255.46 | Not Applicable | 7.750% | $476.16 | 06/xx/2013 | Financial Hardship | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage was originated on xx which was recorded on xx in the amount of xx in favor of xx<br> There is one writ of fieri facias found against the borrower in the total amount of $978.81 in favor of xx, and it was recorded on xx<br> There is one junior mortgage open against the property in the amount of xx which was recorded on xx and re-recorded on xx with xx<br> The first and second installments of city taxes for 2024 are paid in the amount of xx on xx and xx/xx/2024.<br> The first and second installments of combined taxes for 2024 are paid in the amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the seller tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is $476.16 and the interest rate is 7.750%. | Collections Comments:Currently, the loan is performing.<br> According to the seller tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is $476.16 and the interest rate is 7.750%.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> As per the seller's tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Loan modification agreement was made between the borrower and lender on 6/xx/2013. The new modified rate is 7.750% and the borrower promises to pay P&I of xx which began on xx The new principal balance is xx The maturity date is 4/xx/2031. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal |  | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents" | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan document."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan document."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date is considered 2 months prior to note date." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55716605 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $926.03 | Unavailable | xx | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $323.44 | 10.625% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | 524 | 517 | 27.598% | First | Final policy | Not Applicable | Not Applicable | 07/xx/2019 | $27191.23 | Not Applicable | 4.500% | $122.24 | 07/xx/2019 | Financial Hardship | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is a child support lien against the BWR "xx." in favor of "xx," which was recorded on xx The lien amount was not mentioned in the supporting document.<br> The first installment of county taxes for 2024 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $122.24, and the interest rate is 4.500%. The UPB is xx | Collections Comments:The current status is performing. <br> As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $122.24, and the interest rate is 4.500%. The UPB is xx<br> The RFD is unable to be determined. <br> The loan was modified on xx<br> As per the UT dated xx/xx/2025, the foreclosure was initiated by filing the lis pendens on xx According to the rescission of lis pendens located at "xx," the FC was cancelled.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>Foreclosure Comments:As per the UT dated xx/xx/2025, the foreclosure was initiated by filing the lis pendens on xx<br> Bankruptcy Comments:Not Applicable | The loan was modified between the BWRs and lender on 07/xx/2019. As per the modification agreement, the new modified UPB was xx The borrower agreed to pay the modified monthly P&I of $122.24 with an interest rate of xx starting on xx and continuing until the new maturity date of xx is no deferred or forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents" |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83544557 | xx | xx |  | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $4032.10 | Unavailable | xx | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1191.44 | 8.750% | 480 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 01/xx/2011 | $123144.63 | Not Applicable | 5.000% | $956.16 | 02/xx/2011 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor ofxx<br> No active judgments or liens have been found.<br> 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last transaction details. The current P&I is $956.16 with an interest rate of 5.000%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB is xx<br> The reason for default is not available.<br> The loan was modified on xx/xx/2011.<br> The FC was initiated on the loan. xx<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Foreclosure Comments:The FC was initiated on the loan. xx<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 5.000% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "Loan program disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99807243 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1024.24 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $356.88 | 10.380% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | XX | 09/xx/2023 | $20183.44 | Not Applicable | 8.625% | $149.89 | 09/xx/2023 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx<br> There is a state tax lien found against the subject borrower in favor of the xx<br> There is a civil judgment found against the subject borrower in favor of xx<br> The 2024 county annual taxes were paid in the amount of xx on xx/xx/2024.<br> The 2024 Utilities annual taxes were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $149.89, and the interest rate is 8.625%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The UPB is $20,101.99.<br> As per the servicing comment dated xx/xx/2023, the reason for default is curtailment of income.<br> The loan was modified on xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2023, the subject property is owner-occupied.<br> As per tape data, the borrower's income was impacted by Covid-19. FB plan was approved in the loan that began from xx and ends on xx/xx/2021.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrower, Charles Stansbury, and lender, xx, with an effective date of 9/xx/2023, shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $149.89 with a modified interest rate of 8.625% starting on xx and continuing until the new maturity date of xx There is no deferred balance and principal forgiven amount. | ARM Rider<br> Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Loan Program Info Disclosure<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4) "As per the final title policy located at xx, the property is leasehold. The subject loan originated on xx with a maturity date of xx The lease expiration date is not available in the lease agreement, which is located at xx Policy shows the subject lease period is 99 years. As per PT, there is no cancellation of the leasehold agreement." | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Loan program disclosure missing or unexecuted (Lvl 2) "ARM program disclosure is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. xx search shows an estimated value of xx Current UPB: xx<br> \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Mortgage - Missing required ARM Rider (Lvl 2) "The ARM rider is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64094256 | xx | xx | xx | XX | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $14042.98 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1987.06 | 3.950% | 480 |  | xx | xx |  | Conventional | ARM |  | Unavailable | xx | xx | Unavailable |  | Not Applicable |  |  | Not Applicable |  | Unavailable | PUD | Not Applicable | xx | Primary | Not Applicable | Not Applicable | No | Not Applicable | Not Applicable | Unavailable | First | Final policy | Not Applicable | XX | 03/xx/2022 | $333018.89 | Not Applicable | 3.500% | $1290.08 | 03/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There are 02 junior mortgages against the subject property. The first junior mortgage in favor of xx in the amount of xx which originated on xx/xx/1995 and was recorded on xx/xx/1997 with instrument \|xx and the second junior mortgage in favor of xx in the amount of xx originated on xx which was recorded on xx with xx<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $1,290.08, and the interest rate is 3.500%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $1,290.08, and the interest rate is 3.500%. The UPB is xx<br> The reason for default is not available in latest servicing comments.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> The loan was modified on xx<br> As per the tape data, the borrower's income was impacted by Covid-19. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | This modification agreement signed between the borrowers, xx, and lender xx, with an effective date of 03/xx/2022, shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of xx with a modified interest rate of 3.500% starting on xx and continuing until the new maturity date of xx | Balloon Rider<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents." | \* Balloon Rider Missing (Lvl 2) "Balloon rider is missing from the loan documents."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan file. xx search shows an estimated value of xx Current UPB is xx<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38062979 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4722.66 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1754.77 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 787 | Not Applicable | 15.931% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2024 shows that the subject mortgage was originated on xx which was recorded on xx with instrument xx in the amount of xx in favor of MERS as nominee forxx.<br> No active judgments or liens found.<br> The annual county taxes for 2023 are paid in the amount of xx on xx/xx/2023.<br> The annual county taxes for 2024 are due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,754.77 (PITI), which was applied for the due date of xx The current P&I is xx with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current UPB is xx<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> Unable to determine the RFD.<br> Unable to determine the current occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 20.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Seller tape defect shows early payment default. Further details are not provided. PH is missing from the loan file. As per seller's tape as of xx the borrower is current with the loan, and the next due date is xx The current UPB reflected as per tape is xxx |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96679915 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $6543.49 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3293.07 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 733 | 49.980% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There are 3 active prior mortgages against the subject property which were recorded prior to the subject mortgage. The first senior mortgage was recorded on xx/xx/1988 in the amount of xx with the lender xx, and the second mortgage was recorded on xx in the amount of xx with the lender xx. The third mortgage was recorded on xx/xx/2024 in the amount of xx with the lender xx<br> There is an active junior subordinate mortgage against the subject property in favor of xx in the amount of xx originated on xx/xx/2024 and was recorded on xx/xx/2024 with the instrument \| xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 are due in the amount of xx on xx/xx/2025.<br> The 2023 county annual taxes were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $4,527.90 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,293.07 with an interest rate of 6.500%.The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is xx with an interest rate of 6.500%.The current UPB reflected as per the payment history is xx<br> The reason for the default is not available in the latest servicing comments.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The notice of commencement located at xx, which was recorded on xx shows a general description of improvement as a fence installation. No details are available regarding the estimated repair cost. There is no evidence to confirm the current status of repairs in the latest 24 months of collection comments.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has 6.16 years on the job as an xx. BWR1 has 4.51 years on the second job as a xx<br> BWR2 has 5 months on the job as an xx with xx. BWR2 has had multiple jobs in the past 2 years.<br> BWR3 has 1.16 years on the job as a xx. BWR3 has prior employment experience as a xx with xx between xx/xx/2012 and xx/xx/2022 for 10.25 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the realtor of the subject loan is on Freddie Mac's exclusionary list. Further details not provided. Subject closed 8/xx/24. Value is supported at xx UPB xx |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32020006 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | Montana | xx | xx | No | Yes | Not Applicable | First |  | $3619.63 | $6983.12 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $7643.26 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 805 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject property was originated on xx and recorded on xx in favor of xx<br> No active judgments or liens have been found.<br> The 1st installment combined taxes for 2024 have been delinquent in the amount of xx due on xx/xx/2024 with good through xx/xx/2025.<br> 2nd installment combined taxes for 2024 have been due in the amount of xx on xx/xx/2025. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $8,410.59 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 6.990%. The current UPB is xx | Collections Comments:The loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the tape data, the subject property is owner-occupied.<br> No evidence of post-closing foreclosure and bankruptcy has been found.<br> No information has been found for damage or repairs.<br> BWR employment details are not available. BWR qualified using assets. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "The revised loan estimate delivery date is less than seven business days from the consummation date. The revised loan estimate delivery date is on or after the initial closing disclosure delivery date."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure signed by borrower is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report at the time of closing is missing from the loan file. Post close AUS is available at Pg#805."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The tape shows BWR income miscalculation, and the revised DTI is 89%. BWR has over 3 million in assets. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR employment details are not available. BWR qualified using assets, FICO 805, and $1M equity in the subject." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74630224 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2833.15 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1236.70 | 9.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 725 | Not Applicable | 35.797% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx with the lender xx<br> There is a prior mortgage against the subject property that was originated on xx and recorded on xx in the amount of $172,000.00 in favor of "xx.".<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,236.70 and was applied to the due date of xx/xx/2024. The monthly P&I is xx and the interest rate is xx The current UPB is xx | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,236.70 and was applied to the due date of xx/xx/2024. The monthly P&I is xx and the interest rate is 9.250%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has been SE for 3.25 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing Initial LE | xx | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.827% exceeds APR threshold of 9.820% over by +0.007%. The subject loan is not escrowed." | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan file."<br> \* Missing Initial LE (Lvl 3) "Initial LE is missing from the loan file."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the subject 2nd home property gross living area is 408 sqft, which is below the GSE minimum of 500. Further details not provided. xx shows estimated value at xx UPB xx |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65826055 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3116.28 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1248.03 | 4.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 673 | Not Applicable | 35.070% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with MERS as nominee for 'xx<br> No active judgments or liens found.<br> The annual county taxes for 2024 were paid on xx/xx/2024 in the amount of xx<br> No prior year taxes are delinquent. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,806.50, which was applied for the due date of xx/xx/2024. The current P&I is $1,248.03 with an interest rate of 4.990%. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> Unable to determine the RFD.<br> As per the BPO report dated xx/xx/2024 (xx), the subject property is occupied by the borrower. <br> As per the comment dated xx/xx/2025, the subject property was damaged due to water on xx/xx/2024. The loss amount is xx The borrower received the loss draft check in the amount of xx No comment has been found regarding the completion of repairs. <br> The comment dated xx/xx/2024 shows that a dispute has been found for payment. Further details not found.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> BWR has 3 months on the job as a xx Additionally, BWR has 4.91 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged xx exceeds fees threshold of $6,665.52 over by $1,934.60. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: xx<br> Points - Loan Discount Fee paid by Borrower: $2,199.49."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged xx exceeds fees threshold of $6,665.12 over by $1,934.60. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: xx<br> Points - Loan Discount Fee paid by Borrower: $2,199.49." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect points - loan discount fee. Final CD dated xx/xx/2022 reflects points - loan discount fee at $2,199.49. This is an increase in fee of $2,199.49 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2022 reflects the sum of section C fees and recording fee at $250.00. Final CD dated xx/xx/2022 reflects the sum of section C and recording fee at $292.00. This is a cumulative increase of $17.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.112% exceeds APR threshold of 5.730% over by +0.382%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $68153.53 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53421014 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7765.04 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3949.22 | 4.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.395% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "xx.". The subject mortgage was re-recorded on xx/xx/2022 to correct the complete legal description of the DOT.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024-25 is paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024-25 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of xx which was applied for the due date of xx The current monthly P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has 4.91 years on the job as a xx at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $28,016.48 exceeds fees threshold of $21,405.64 over by +$6,610.84. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $7,865.48<br> Points - Loan Discount Fee paid by Borrower: $18,656.00<br> Underwriting Fee paid by Borrower: $1,495.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $28,016.48 exceeds fees threshold of $21,405.64 over by +$6,610.84. <br> The following fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $7,865.48<br> Points - Loan Discount Fee paid by Borrower: $18,656.00<br> Underwriting Fee paid by Borrower: $1,495.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the CA AB 260 higher-priced mortgage loan test (CA AB 260, California Financial Code Division 1.9 4995(a)) due to an APR calculated at 5.271% exceeds APR threshold of 5.260% over by +0.011%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.271% exceeds APR threshold of 5.260% over by +0.011%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86980186 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $14308.00 | 12/xx/2024 | xx | No | Not Applicable | Chapter 7 | xx | Not Applicable | No | xx | Not Applicable | $1598.60 | 3.500% | 360 |  | xx | xx |  | Conventional | ARM |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | 25.561% | First | Final policy | Not Applicable | Not Applicable | 06/xx/2022 | $389239.69 | Not Applicable | 5.250% | $2149.40 | 08/xx/2022 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as xx<br> There are 02 junior mortgages against the subject property. The first junior mortgage was originated on xx/xx/2006 in favor of xx, in the amount of xx and recorded on xx with instrument \|xx. and the second junior mortgage was originated on xx/xx/2019 in favor of xx, in the amount of xx which was recorded on xx<br> There is a state tax lien found against the borrower in favor of the xx in the amount of xx which was recorded on xx/xx/2008.<br> There is a civil judgment found against the borrower in favor of xx in the amount of xx which was recorded on xx/xx/2016.<br> There is a credit card judgment found against the borrower in favor of xx in the amount of xx which was recorded on xx<br> The 1st and 2nd installments of town taxes for 2025 are due in the total amount of xx on xx/xx/2025 & xx/xx/2025, respectively.<br> The 3rd and 4th installments of town taxes for 2024 were paid in the total amount of xx on xx/xx/2024 & xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $3,351.12, which was applied for the due date of xx The current monthly P&I is $2,149.40 with an interest of 5.25%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $375,732.31.<br> xx<br> The modification agreement was signed between the borrower and lender with an effective date of xx<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied. <br>Foreclosure Comments:The foreclosure was initiated in xx<br> Bankruptcy Comments:According to the PACER, the borrowers xx | This modification agreement signed between the borrower, xx, and lender, xx, with an effective date of xx shows the new modified unpaid principal balance is xx The borrower agreed to pay the modified monthly P&I of $2,149.40 with a modified interest rate of 5.250% starting on xx and continuing until the new maturity date of xx | Prepayment Penalty Rider | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. <br>Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> Commitment Fee paid by Borrower: $550.00<br> 4th Quarter Taxes paid by Borrower: $1,822.00"<br> \* Final TIL Date after actual transaction date (Lvl 2) "Final TIL dated after note date."<br> \* Prepayment Rider Missing (Lvl 2) "Prepayment rider is missing from the loan documents." |  | Moderate | Pass | Pass | No Result | Pass | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12769266 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $5162.86 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6569.29 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | Yes | 764 | Not Applicable | 19.515% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "MERS as nominee for xx<br> There is a prior mortgage active against the subject property in favor of xx in the amount of xx originated on xx/xx/2023 and recorded on xx/xx/2023.<br> There are 2 prior state tax liens active against the borrower xx in favor of the xx in the total amount of xx recorded on xx and xx/xx/2024.<br> The combined annual taxes for 2024 are paid in the amount of $5,162.86 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history as of xx the next due date is xx The current P&I is $6,569.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the next due date is xx/xx/2025. The current P&I is $6,569.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx<br> Unable to determine the current occupancy of subject property. <br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1.25 years on the job as a xx at xx. BWR has prior employment experience as xx between xx/xx/2016 and xx/xx/2023 for 7.33 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report reflects as-is conditions, and the improvement section shows barn and office doors, a dishwasher, a refrigerator, and a dryer need to be installed. Estimated cost to cure is not available in the loan file. The 1004D/Completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Compliance Testing (Lvl 3) "The tape shows CD reflect change in APR and was not received by the borrower at least 3 business days prior to the consummation date. Infinity compliance shows loan failed revised closing disclosure delivery waiting period test due to APR becomes inaccurate. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Lock Extension Fee at $3,600.00. Final closing disclosure dated xx/xx/2024 reflects Lock Extension Fee at $4,000.00. This is an increase in fee of +$400.00 for charges that cannot increase. A valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active." |  |  | Moderate | Not Covered | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8417001 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4024.72 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3410.88 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 711 | Not Applicable | 9.393% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is one prior judgment against the borrower in the favor of xx<br> The annual county taxes for the year of 2023 have been paid in the amount of $3,220.69 on xx/xx/2023.<br> The annual county taxes for the year of 2024 are due in the amount of $4,024.72 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,501.13, which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,410.88 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $499,609.95. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $499,609.95.<br> The occupancy of the subject property is unable to be determined.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The notice of commencement recorded on xx/xx/2024 located at "Ln#xx Pg#17" shows a description of improvement as a pergola. CCs do not show damages.<br> BWR has been SE for 16 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows, no proof in the file which shows that the BWR received revised LE 4 days prior to the consummation date. BWR paid a down payment of 65% of the sales price of the subject property. Initial CD is missing from the loan file. Final CD shows, BWR paid a down payment of $xx. Further details not provided."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to initial CD is missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling organizations disclosure is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Transmittal summary is missing from loan documents." |  |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61258371 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2797.11 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 737 | 734 | 49.761% | First | Short Form Policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx/xx/2024 with instrument # xx in the amount of $xx with MERS as nominee for xx There is a junior mortgage active against the subject property, which was originated on xx and recorded on xx/xx/2024 with instrument # xx in the amount of xx with the xx<br> The annual installments of combined taxes for 2024 have been paid in the amount of xx on xx/xx/2024. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $3,621.81 (PITI), which was applied for the due date of xx The current P&I is $2,797.11 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB is xx<br> As per the seller's tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR1 has 6 months on the job as a xx with xx, BWR1 had 10 months on the job as a xx at xxl between xx/xx/2022 and xx/xx/2023, and prior to that, BWR1 had 2.08 years on the job as a sales advisor at xx between xx/xx/2019 and xx/xx/2021. <br> BWR2 has 1.75 years on the job as an xx with xx. BWR2 has prior employment experience as a xx at xx between xx/xx/2018 and xx/xx/2021 for 3.08 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.76%. Tape shows income miscalculation. Review shows both BWRs have had multiple employments over the last couple of years. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 6 months on the job as a with xx; BWR2 has 1.75 years on the job as anxx with xx, FICO 734, 0X30 since inception, and $xx equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2023 reflects cash in the amount of $1,000.00."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.831% exceeds APR threshold of 8.260% over by +0.571%. Subject loan is escrowed."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.849% exceeds APR threshold of 8.260% over by +0.589%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the OK HOEPA higher-priced mortgage loan test due to an APR calculated at 8.849% exceeds APR threshold of 8.260% over by +0.589%. The subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66526375 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1021.83 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1361.49 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 34.441% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx/xx/2024 in the amount of xx with "xx.". There is a junior mortgage against the subject property originated on xx in favor of xx, in the amount of $7,885.00, which was recorded on xx/xx/2024. The annual combined taxes for 2024 are paid in the amount of $1,021.83 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,873.26, which was applied for the due date of xx The current P&I is xx with an interest rate of xx The current UPB is xx | Collections Comments:The current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx CCs do not show damages. No information has been found regarding BK. No information has been found regarding FC. The loan has not been modified since origination. As per the tape data, the subject property is owner-occupied. <br> Borrower has 7.83 years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) "The subject property type is a manufactured home. As per UT dated xx/xx/2025, the warranty deed with the vendor's lien (xx) dated on xx/xx/2024 is subject to covenants, restrictions, and conditions." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows subject property is built on a 6-acre lot. Deed and mortgage show 4 acres. Appraisal report is as is, and the lot size is 4.18 acres. No value was given to the subject's storage building as it is considered portable, and the subject requires leveling and a bathroom exhaust fan. The estimated cost to cure these items is $3,000. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. xx search shows an estimated value at $xx. Current UPB is $xx."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. <br>This loan failed the TRID disclosure delivery date validation test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "The revised loan estimate delivery date is on the initial closing disclosure delivery date."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.949% exceeds APR threshold of 7.600% over by +0.349%.The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 7.949% exceeds APR threshold of 7.600% Over By +0.349%. Subject loan is escrowed."<br> \* Property is Manufactured Housing (Lvl 2) "Home is affixed. As per the appraisal report "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "Ln#132093 PG# 9" state that the manufactured home with Serial #xx has been affixed to the permanent foundation." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63475383 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | Not Applicable | Yes | Not Applicable | First |  | $0.00 | $10753.82 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8732.10 | 7.000% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | 762 | 36.399% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2025 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2025 was paid in the amount of $5,385.20 on xx<br> The third installment of county taxes for 2025 is due in the amount of $5,376.91 on xx<br> The fourth installment of county taxes for 2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history tape data as of xx the next due date is xx/xx/2025. The current P&I is $8,732.10 with an interest rate of 7.000%. The current UPB reflected as per payment history tape data is xx | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history tape data as of xx/xx/2024, the next due date is xx/xx/2025. The current UPB reflected as per payment history tape data is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner.<br> BWR1 has been SE for 13.75 years at xx<br> BWR2 has 7 months on the job xx. BWR2 has prior employment experience as a atxx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan program disclosure missing or unexecuted (Lvl 3) "Loan program disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 36%. Tape shows increased DTI of 48%. Review shows 53.52% as lender included BWR1 income 2X. BWR also had 1X30 on prior residence within last 12 months. Further details not provided. Lender defect. Subject loan originated on xx and the 3-year SOL is active. BWR1 has been SE for 13.75 years at xx; BWR2 has 7 months on the job (employed by a family member) as an office administrator at xx, FICO 718, $xx equity in the subject, and xx residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94232383 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7265.03 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1477.83 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 42.439% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> No active judgments or liens were found.<br> The annual county and school taxes for 2024 were paid in the total amount of xx on xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $2,502.17, which was applied for the due date of xx The current monthly P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current monthly P&I is $1,477.83 with an interest rate of 6.880%. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 3.58 years on the job as a xx with xx. Additionally, BWR has been SE for 3 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject is home-style renovation loan is aged more than 15 months from closing and as a result is ineligible for delivery. Further details not provided."<br> \* Missing proof of hazard insurance (Lvl 3) "Valid hazard insurance policy is missing from the loan documents." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects document preparation fee at $125.00. Final CD dated xx/xx/2023 reflects document preparation fee at $325.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86986377 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $314.96 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2645.46 | 5.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 804 | 801 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> There is an active prior mortgage against the subject property in favor of xx, in the amount of xx which originated on xx and was recorded on xx/xx/2024. <br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx The current P&I is xx and the interest rate is 5.88%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is an investment. CCs do not show any damage.<br> BWR1 has 8.08 years on the job as a xx at xx<br> BWR2 has 20.25 years on the job as a xx at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The tape shows the original appraisal was expired, and the updated 1004D was issued after 2 days of closing. Appraised value at $xx. UPB $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5528347 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1338.53 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1535.85 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 701 | Not Applicable | 43.536% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> There is an active junior mortgage against the subject property in favor of xx, in the amount of xx which originated on xx and was recorded on xx with instrument \|xx<br> There is a UCC lien found against the subject property in favor of xx which was recorded on xx The supporting document does not specify the lien amount.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of xx which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,535.85 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the loan is unsalable due to LP not being pulled prior to the note date. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan file." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41762566 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2032.47 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2079.00 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Secondary | Yes | Yes | No | 703 | 782 | 47.042% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor ofxx<br> No active liens and judgments have been found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $2,679.16, which was applied for the due date of xx The current monthly P&I is $2,079.00 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current monthly P&I is $2,079.00 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has 2 months on the job as an xx at xx. BWR1 had multiple jobs in the past 2 years.<br> BWR2 has 20.83 years on the job as a captain/arson investigator at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan failed APR APOR spread threshold test. Infinity compliance result shows the loan failed the QM APR threshold test."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to an APR calculated 9.435% exceeds APR threshold of 8.680% over by +0.755%.<br> Loan failed qualified mortgage APR threshold test due to an APR calculated 9.435% exceeds APR threshold of 8.680% over by +0.755%." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.435% exceeds APR threshold of 7.930% over by +1.505%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 29055654 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2092.37 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1251.93 | 7.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 791 | 820 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> There is an active prior mortgage against the subject property in favor of xx in the amount of xx which originated on xx and was recorded on xx/xx/2022 with the instrument \|xx<br> No active judgments or liens were found.<br> The annual county taxes for 2023 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,251.93 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,251.93 with an interest rate of 7.750%. The current UPB reflected as per the tape data is xx | Collections Comments:As per tape, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the tape data is xx<br> No foreclosure activity has been found.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the property occupancy is stated as investor.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "DSCR is less than 1.00%. Net operative income is $19,800.00, and annual payments (debt service) are $23,589.00. DSCR ratio is xx<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan closed at xx LTV exceeds the xx LTV threshold allowed. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90161986 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $156.52 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $935.80 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 666 | Not Applicable | 47.545% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with MERS as nominee for 'xx,' and it was recorded on xx/xx/2024.<br> No active judgments against the borrower/subject property/owner have been found.<br> The combined taxes for 2024 were paid on xx in the amount of $156.52.<br> No prior year taxes are delinquent. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,237.74 which was applied for the due date of xx The current monthly P&I is $935.80 with an interest rate of 6.375%. The current UPB reflected as per the tape data is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the tape data is xx<br> No bankruptcy details have been found.<br> The RFD is unable to be determined.<br> Unable to determine the current occupancy of subject property.<br> BWR has 6.16 years on the job as a xx at the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows AUS is ineligible due to the subject property being changed to a manufactured home, and the AUS eligible findings were lost. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS/DU report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document attached to the mortgage, which is located at xx, shows the home is affixed permanently to the land with VIN/serial no. #xx. The manufacture rider is attached with the recorded mortgage (xx)." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56044176 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2533.47 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1109.82 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | No | Not Applicable | No | 801 | Not Applicable | 43.877% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender MERS as nominee for xx., in the amount of xx which was recorded on xx<br> No active judgments or liens have been found.<br> Parcel#xx<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> Parcel #xx<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is $1,109.82 with an interest rate of 7.625. The current UPB is xx<br>| Collections Comments:The current status of the loan is collection.<br> According to payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is $1,109.82 with an interest rate of 7.625. The current UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> The RFD is unable to be determined.<br> Unable to determine the current occupancy of subject property.<br> BWR has 12.66 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Flood Certificate<br> HUD-1 Closing Statement<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB is $xx."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Revised CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $967.46. This is an increase fee in the amount of +$967.46 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "Final closing disclosure is missing from the loan documents. CE was tested based on revised CD dated 0xx/xx/2024."<br> \* Missing flood cert (Lvl 3) "Flood insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Settlement services provider list is missing from loan documents.<br>Home loan toolkit is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78342367 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $782.98 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1307.30 | 5.875% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | No | Not Applicable | No | 814 | Not Applicable | 35.009% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> The mortgage was re-recorded on xx to add a tax exemption rider.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> The annual water charges have been delinquent in the amount of xx which were due on xx<br> No prior year's delinquent taxes have been found. | The entire PH is missing. As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current interest rate is 5.875%.The UPB is xx | Collections Comments:The current status of the loan is performing.<br> The entire PH is missing. As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx As per tape, the current interest rate is 5.875%.The UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR receives VA benefit income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Flood Certificate<br> Hazard Insurance<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects lender credit at $3,868.00. Final CD dated reflects lender credit at $0.00. This is a decrease of $3,868.00 for a fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows FEMA did not establish a flood zone for the subject property, and the flood certificate is missing from the loan documents. Further details not provided."<br> \* Missing flood cert (Lvl 3) "Flood certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance policy is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77247839 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $786.88 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3812.95 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 785 | Not Applicable | 36.229% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for 2024 are paid in the amount of xx on xx/xx/2024.<br> The water charges have been due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $4,555.79 which was applied for the due date of xx/xx/2025. The current P&I is $3,812.95 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 5 years on the job as xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows first-time homebuyer education certificate is missing from the loan file. Further details not provided." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64244109 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1614.28 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $829.46 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 20.958% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "MERS as nominee for xx<br> No active judgments or liens have been found. <br> The annual county taxes of the year for 2024 are paid in the amount of xx on xx/xx/2024. <br> No prior year's delinquent taxes have been found. | According to tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is $829.46 with an interest rate of 6.99000%. The current UPB reflected as per tape data is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx current UPB reflected as per the tape data payment history is xx<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 8.33 years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the first lien prohibited fees test. <br> The following fee was included in the test:<br> Administration Fee paid by Borrower: $1,085.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows collateral issue. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17238387 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2384.52 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $1700.00 | $2132.92 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | Yes | 700 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "MERS as nominee for xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2024 were paid in the amount of xx<br> No prior year's delinquent taxes have been found. | The subject mortgage was originated on xx/xx/2024, and the first payment date is xx/xx/2024. As per the tape as of xx the next due date is xx and the current UPB is xx | Collections Comments:The current status is performing. <br> The subject mortgage was originated on xx/xx/2024, and the first payment date is xx/xx/2024. As per the tape as of xx/xx/2024, the next due date is xx and the current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR employment details are not available. Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "Net operating income is xx and annual payments (debt service) are xx and the debt service cover ratio (DSCR) is 0.89, which is less than 1."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan does not meet minimum FICO score of 720, DSCR of 1, interest-only terms, and BWR is a first-time investor that is not allowed on DSCR loans. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35116085 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $10613.15 | $10610.97 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5766.85 | 8.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 672 | Not Applicable | 16.173% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2023 were paid in the amount of xx<br> The water/sewer charges for 2025 are due in the amount of xx on xx/xx/2025.<br> The annual combined taxes for 2024 are delinquent in the amount of xx on xx/xx/2024, which are good through xx/xx/2025. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $7,036.76, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is xx and the interest rate is 8.500%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE for 52.25 years at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails compliance delivery and timing test for revised CD dated xx/xx/2024. Document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial CD dated xx/xx/2024 reflects Rate extension fee at $4,500.00. Final CD dated xx/xx/2024 reflects Rate extension fee at $8,000.00. This is an increase in fee of +$3,500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $2,968.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $3,433.00. This is a cumulative increase of +$168.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan closed as cash-out refinance at xx LTV exceeds the 70% LTV threshold allowed for rural property. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.759% exceeds APR threshold of 8.440% over by +0.319%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14838865 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Delaware | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2967.92 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2459.34 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 750 | Not Applicable | 32.437% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with the lender, xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of xx<br> The annual utilities/MUD taxes for 2025 were due on xx in the amount of $298.00.<br> The water/sewer charges were due in the amount of $92.86 on xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of xx (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is xx and the interest rate is 6.490%. The current UPB is xx | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx in the amount of $2,889.46 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $2,459.34, and the interest rate is 6.490%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has 3 months on the job as an xx. BWR has prior employment experience as an] at xx between xx/xx/2021 and xx/xx/2023 for 2.50 years. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $505,407.57. Calculated finance charge is $505,764.57 for an under disclosed amount of -$253.92. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year.<br>The loan failed TRID total of payments test. Total of payment disclosed on final CD as $896,275.90. Calculated total of payments is $896,632.90for an under disclosed amount of -$103.92. The disclosed total of payments of $896,275.90 is not considered accurate because it is understated by more than $100."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows MI was not disclosed correctly. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 91978989 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6391.69 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4754.66 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 805 | 800 | 34.985% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx<br> There is one prior notice of federal tax lien (IRS lien) found against the borrower in the favor of the xx in the amount of xx which was recorded on xx<br> For parcel # xx<br> The annual combined taxes for 2024 have been paid in the amount of xx on xx/xx/2024.<br> For parcel # xx<br> The annual combined taxes for 2024 have been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received and current P&I are not available. As per tape, the interest rate is 7.500%. The UPB is xx | Collections Comments:The current status of the loan is performing.<br> As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. Details of the last payment received and current P&I are not available. As per tape, the interest rate is 7.500%. The UPB is xx<br> The reason for default is not available.<br> Unable to determine the current condition and occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 16.5 years on the job as a xx at xx <br> BWR2 receives pension and social security income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1 with a sales price of $xx, is closest to the subject property. Comps could not be located within .5 miles of the subject due to lot size, and the comps required gross adjustments ranging from 33.3% to 179.2%, mostly due to land size but also condition and GLA. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68740802 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1116.48 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $733.10 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 45.063% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2024, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xxx<br> There is a junior mortgage that was originated on xx/xx/2023 and recorded on xx/xx/2023 with the lender "xx" for the amount of xx<br> The first and second installments of county taxes for 2023 were paid in the amount of $1,116.48.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $976.51, which was applied to the due date of xx The unpaid principal balance is xx The current P&I is $733.10, and the interest rate is 8.000%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> Unable to determine the current condition of the subject property. <br> BWR has 6.41 years on the job as a certified vet tech at the xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #2, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2023 reflects cash to in the amount of $250.00."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL has expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2023 reflects Credit Report Fee at $100.00. Final CD dated xx/xx/2023 reflects Credit Report Fee at $137.00. This is an increase fee in the amount of +$37.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41317831 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arkansas | xx | xx | xx | Mississippi | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $334.63 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $265.85 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 759 | 47.019% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found.<br> The annual county taxes for 2020 to 2024 were paid in the amount of xx on different dates.<br> The annual water charges for 2025 have been due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $406.92 which was applied for the due date of xx/xx/2024. The current monthly P&I is $265.85 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current monthly P&I is $265.85 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> The appraisal report is completed as is. The photos addendum shows the laundry area needs to be repainted, the 2nd-floor bathroom ceiling paint requires, the vanity tub needs replacing, and there is a crack in the brick veneer and a window peeled off. The cost of repair is not available. The 1004D is missing from the loan file. No evidence is available to confirm the current status of repairs.<br> As per tape data, the property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 employment details are not available.<br> BWR2 has been SE at xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report shows as-is conditions. Tape and appraisal show subject is in poor to fair C5 condition in need of interior and exterior repairs. Estimated cost to cure is not available in the loan file. Updated 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2023 and delivered on xx/xx/2023 which is on the consummation date xx/xx/2023." | \* ComplianceEase TILA Test Failed (Lvl 2) "Finance charge disclosed on Final CD as $58,469.80. Calculated finance charge is $58,594.80 for an under disclosed amount of -$125.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12439527 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Arkansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $936.08 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1015.50 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 40.017% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx in favor of xx<br> There is an active junior mortgage against the subject property in favor of xx. in the amount of xx which originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument # xx<br> There is a prior medical lien found against the borrower in favor of xx, which was recorded on xx<br> The annual county taxes for 2023 were paid in the amount of $936.08 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $1,248.51 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,015.50 with an interest rate of 6.630%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The current UPB is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br>BWR has 2.33 years on the job as an xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows that the subject closed with a DPA loan of $xx, and the state agency would not purchase the loan. Further details not provided."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents. Post-closure DU is available at xx 1REM and 2REM Loan Package pg#191."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18176606 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arkansas | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1971.76 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $997.61 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 751 | Not Applicable | 33.305% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2023 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2024, the next due date is xx and the current UPB is xx | Collections Comments:The current status of the loan is performing.<br> The loan originated on xx/xx/2024, and the first payment date is xx According to payment history tape data as of xx/xx/2024, the next due date is xx and the current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 3.08 years on the job as a xx of xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS/DU submitted at closing is missing from the loan documents. Subject loan closed on xx/xx/2024 and post-closing AUS dated xx/xx/2024 is available in the file."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the lender did not approve the condo project as the special assessments had been planned, and the HOA obtained loans to finance improvement or deferred maintenance in the amount of $xx. Further details not provided. Elevated for client review."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "Affiliated business disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49950977 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2498.82 | 12/xx/2024 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $600.39 | 3.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 786 | Not Applicable | 47.158% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender MERS as nominee for xx in the amount of xx which was recorded on xx<br> No active liens and judgments have been found.<br> Annual county taxes for 2024 were paid in the amount of xx on xx<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,273.15, which was applied on xx The current P&I is $600.39, and the interest rate is 3.00%. The current UPB reflected in payment history is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected in payment history is $132,081.88.<br> As per the collection comment dated xx/xx/2024, the RFD was loss of income.<br> No bankruptcy-related details have been found.<br> As per the collection comments, the foreclosure was initiated inxx<br> As per the collection comment dated xx/xx/2023, the borrower stated that the subject property was damaged by the fire in July 2023. As per the collection comment dated xx/xx/2024, the subject property was not livable at that time. The borrower filed a claim for fire. As per the collection comment dated xx/xx/2024, the loss draft check was received in the amount of $119,258.63 on xx/xx/2024. Unable to confirm the current condition and repair status of the subject property.<br> BWR receives SSI and retirement income.<br>Foreclosure Comments:As per the collection comments, the foreclosure was initiated inxx<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Occupancy concerns - (Lvl 3) "xx search indicates that the subject OO property was listed for rent on xx/xx/2024." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 47.15%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR receives SSI and retirement income, FICO 786, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2021 does not reflect Points - Loan Discount Fee. Final CD dated 0xx/xx/2021 reflects Points - Loan Discount Fee at $890.00. This is an increase in fee of +$890.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2021.Initial CD dated xx/xx/2022 reflects lender credit at $712.00. Final CD dated 0xx/xx/2021 reflects lender credit at $0. This is decrease of +$712.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Loan failed charges that cannot increase 10% tolerance test. Initial LE dated xx/xx/2021 reflects Recording Fee at $60.00. Final CD dated 0xx/xx/2021 reflects Recording Fee at $90.00. This is an increase in fee of +$24.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase case, originated on 0xx/xx/2021, and the 1-year SOL has expired.<br>."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.16% as the borrower's income is $4,460.25 and total expenses are in the amount of $2,103.38 and the loan was underwritten by LP Locator xx and its recommendation is Accept with a DTI of 47%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $119258.63 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92831228 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1870.28 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2118.97 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 787 | Not Applicable | 25.029% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "MERS as nominee for xx<br> No active judgments or liens have been found.<br> The annual combined taxes of the year for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx in the amount of $2,485.50, which was applied for the due date of xx The current P&I is $2,118.97, and the interest rate is 7.500%. The current UPB reflected as per the payment history is xx | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has 1.25 years on the job as a xx with xx. BWR has prior employment experience as a xx with xx between xx/xx/2013 and xx/xx/2022 for 9 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66474359 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $10164.16 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1613.88 | 10.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 716 | 703 | 39.624% | Second | Short Form Policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with "xx.".<br> There is a prior mortgage against the subject property. The prior mortgage was originated on xx and recorded on xx in the amount of xx with the lender "xx.".<br> The first and second installments of county taxes for 2024/2025 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,613.88 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,613.88 with an interest rate of 10.500%. The current UPB is $144,288.41. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,613.88 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,613.88 with an interest rate of 10.500%. The current UPB is $xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR1 has 4 months on the job as a xx with xx. BWR1 has prior employment experience as a sr.xx2 with xx between xx/xx/2019 and xx/xx/2024 for 5.08 years.<br> BWR2 has 5.75 years on the job as a xxwith xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows subject originated as a second lien non-QM loan without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows the subject valued at $xx. Current UPB is $xx."<br> \* Compliance Testing (Lvl 3) "This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2024 is more than 60 calendar days after the consummation date xx/xx/2024."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that are in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $1,159.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $1,113.20. This is a cumulative increase of +$45.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated on 0xx/xx/2024 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.177% exceeds APR threshold of 9.880% over by +1.297%. The subject loan is not escrowed. <br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.177% exceeds APR threshold of 9.880% over by +1.297% The subject loan is not escrowed." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8743933 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $850.75 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $729.61 | 5.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 700 | 705 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in favor of "MERS as nominee for xx." for the amount of xx which was recorded on xx<br> No active liens and judgments have been found against borrower and property.<br> The first and second installments of county taxes for 2024 were paid in the total amount of xx<br> No prior year delinquent taxes have been found. | The latest payment history is missing from the loan file. According to the payment history tape data as of xx/xx/2024, the borrower has been delinquent for 8 months and the next due date for the payment is xx/xx/2024. The last transaction details are not available. The current UPB reflected as per tape data is xx | Collections Comments:The current status of the loan is collection.<br> The latest payment history is missing from the loan file. According to the payment history tape data, the borrower is currently 08 months delinquent with the loan, and the next due date is xx The last transaction details are not available. The current UPB reflected as per the tape is xx<br> Unable to determine the reason for default.<br> As per the seller tape data, the subject property is owner-occupied.<br> No bankruptcy-related details have been found.<br> No foreclosure activity has been found.<br> As per the seller's tape data, the borrower is on the FB plan.<br> No evidence has been found regarding damage.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 48.75%. Tape shows BWR2 income miscalculation. The revised DTI is 72%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR2 has 2 months on the job as a xxwith xx. BWR2 has prior employment experience as a xx with xx between xx/xx/2015 and xx/xx/2022 for 6.5 years. FICO 686, $xx equity in the subject, and $369 residual income." | \* Compliance Testing (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $4,346.00 Exceeds Fees threshold of $3,863.92 Over by +$482.08. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,346.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $4,346.00 Exceeds Fees threshold of $3,863.92 Over by +$482.08. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,346.00"<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents" | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.756%, the borrower income is $1,950.00 and total expenses are in the amount of $950.75 and the loan was underwritten by LP (xx) and its recommendation is "Accept" with a DTI of 48.756%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 99378471 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Kentucky | xx | xx | xx | Kentucky | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $392.00 | 11/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $330.63 | 3.375% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 723 | Not Applicable | 34.379% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> There is a medical lien found against the borrower in favor of the xx in the amount of xx which was recorded on xx/xx/2023.<br> The 2024 city annual taxes are due in the amount of xx on xx/xx/2025.<br> The 2024 combined annual taxes were paid in the amount of $392.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2024, the borrower has been delinquent for 1 month on the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $485.74, which was applied for the due date of xx The current P&I is $330.63 with an interest rate of 3.375%. The current UPB reflected as per payment history is xx | Collections Comments:The current status of the loan is collection.<br> As per the review of payment history as of xx/xx/2024, the borrower has been delinquent for 1 month on the loan, and the next due date is xx The current UPB reflected as per payment history is xx<br> As per the servicing comment dated xx/xx/2024, the reason for default is illness of borrower.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWR has 7 months on the job as a xx with xx. BWR has prior employment experience as an xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal was more than 120 days old at closing and expired at closing. The appraisal update is available in loan documents. xx search show an estimated value of $xx. Current UPB is $xx. Further details not provided."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for lender originator total net income test.<br> Below fees were included in the test:<br> Mortgage Insurance Premium paid by Borrower: $0.25<br> Mortgage Insurance Premium $1,286.00<br> Points - Loan Discount Fee paid by Borrower: $919.12<br> Underwriting Fee paid by Borrower: $1,100.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject is an uninsured government loan, and case number is canceled. Further details not provided." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan fails Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is less than 3 business days from the consummation date xx/xx/2020."<br> \* MI, FHA or MIC missing and required (Lvl 2) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1787194 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $388.24 | $474.03 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $983.34 | 6.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 643 | Not Applicable | 51.068% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with the lender MERS as nominee for xx in the amount of xx which was recorded on xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of $85.79 on xx<br> Annual city taxes for the year 2024 are delinquent in the amount of $388.24, and good through xx | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,264.49 with the interest rate of 6.500%, which was applied for the due date of xx The current UPB is xx | Collections Comments:The loan is performing and the next payment is due on xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,264.49 which was applied for xx<br> Unable to determine the occupancy of the subject property.<br> No evidence for foreclose and bankruptcy has been found. <br> No repairs and damages have been found. <br> BWR has 2.66 years on the job as a xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $76.23.<br> Loan estimate dated xx/xx/2024 does not reflect Verification Fee. Final CD dated xx/xx/2024 reflects Verification Fee at $139.00.<br> This is a cumulative increase in fee of $215.23 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in lender credit on final CD dated xx/xx/2024. Revised CD dated xx/xx/2024 reflects lender credit at $677.53, Final CD dated xx/xx/2024 reflects lender credit at $0.00. This is decrease of $677.53 for fee which has 0% tolerance test. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "The subject loan approved under FHA $100 down program is uninsurable as the subject is not a HUD owned property. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20834606 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1253.47 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1428.72 | 6.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 533 | Not Applicable | 45.200% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 have been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,842.15 which was applied on xx/xx/2024. The current monthly P&I is xx with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 6.08 years on the job as an xx with xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows an FHA uninsurable loan, and the underwriter did not update the appraised value and used the prior value for qualifying the loan in less than 12 months. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from the loan documents."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6405013 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3103.78 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1408.68 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 712 | 761 | 47.949% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2023 was paid in the amount of xx<br> The 2nd installment of county taxes for 2023 was paid in the amount of xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,853.08 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,408.68 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $219,805.90.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per tape data, the subject property is owner occupied.<br> BWR1 has 13 years on the job as a xx with xx.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows subject is NOO as BWR listed property for rent after purchase. Elevated for client review." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search reflects an estimated value of $xx. The current UPB is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 47.95%. Tape shows the subject is NOO, as the BWR rented the property after closing causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 13 years on the job as a xx. BWR2 receives social security income, FICO 712 and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96640536 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6980.39 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3745.20 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 682 | 667 | 49.909% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are 4 credit card judgments found against the subject borrower in the total amount of $8,399.51 filed by different plaintiffs, which were recorded on xx/xx/2018, xx/xx/2020, xx/xx/2024, and xx/xx/2024.<br> The 2024 combined annual taxes were paid in the amount of $6,980.39 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/2024 with a first payment date of xx/xx/2025. As per the payment history dated xx/xx/2025, the next due date is xx/xx/2025. The current interest rate is 6.99%, and P&I is $3,745.20, and UPB is $563,500.00. | Collections Comments:The current status of the loan is performing.<br> As per the payment history dated xx/xx/2025, the next due date is xx/xx/2025. The current UPB is xx<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has 3.08 years on the job as a xx<br> BWR2 has 8.66 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The subject loan is FHA uninsured, and the tape shows APR increased by more than 0.125% and no new waiting period established. Infinity CE result shows the loan failed higher price and safe harbor test. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $21,060.28 exceeds fees threshold of $16,606.24 over by +$4,454.04. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $14,087.50<br> Points - Loan Discount Fee paid by Borrower: $6,972.78<br>Loan fails Qualified mortgage lending policy points and fees test due to fees charged $21,060.28 exceeds fees threshold of $16,606.24 over by +$4,454.04. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $14,087.50<br> Points - Loan Discount Fee paid by Borrower: $6,972.78" | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.202% exceeds APR threshold of 7.900% over by +0.302%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.198% exceeds APR threshold of 7.900% over by +0.298%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83452832 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4244.97 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1519.63 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | Not Applicable | 46.832% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $2,135.86, which was applied for the due date of xx The current monthly P&I is $1,519.63 with an interest rate of 7.625%. The current UPB is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx current UPB is xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> The occupancy of the subject property is unable to be determined.<br> No damage and repairs have been found.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 4.50 years on the job as a xx with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape shows property has health and safety issues. Appraisal and seller disclosure show subject was affected by an earthquake that caused cracks in the foundation. Foundation piers were previously repaired. Mold was found in the property based on mold inspection in file. No 1004D in file. CCs do not show damage. Elevated for client review." |  |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65698327 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | West Virginia | xx | xx | xx | Ohio | xx | xx | No | No | Not Applicable | First |  | $0.00 | $922.24 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $393.79 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 4 Family | xx | xx | Investor | Yes | Yes | Yes | 744 | Not Applicable | 30.697% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2nd installment of combined taxes for 2024 is due in the amount of $449.59 on xx/xx/2025.<br> The 1st installment of combined taxes for 2024 was paid in the amount of $449.59 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $618.46 which was applied for the due date of xx/xx/2025. The current monthly P&I is $393.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $58,432.09.<br> PH shows a large transaction in the amount of $4,198.88 on xx/xx/2024, which was applied for the due dates of xx/xx/2023 to xx/xx/2024. The collection comment dated xx/xx/2024 shows the payments are made by the borrower. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $58,432.09.<br> The reason for default is not available.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> Appraisal and tape show the need for multiple interior and exterior repairs, including but not limited to significant exterior wood rot, an electric panel missing its cover with exposed wiring, a subject foundation that was missing mortar in multiple sections, and dampness in the basement due to the intrusion of rainwater. There is no evidence found indicating repairs have been completed. CCs do not show damages. <br> The occupancy of the subject property is unable to be determined.<br> BWR has 7.91 years on the job as xx at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape and appraisal show multiple interior and exterior repairs, including but not limited to significant exterior wood rot, an electric panel missing its cover with exposed wiring, a subject foundation that was missing mortar in multiple sections, and dampness in the basement due to the intrusion of rainwater. The estimated cost to cure is $5,250. Updated 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. xx search shows an estimated value at $xx. Current UPB is $xx." |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89772846 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6229.27 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2066.76 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 738 | 772 | 49.997% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is a junior mortgage originated on xx/xx/2023 in favor of xx<br> There is a prior judgment against the borrower in favor of xx.<br> Annual county taxes for 2024 were paid in the amount of $5,980.10 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,709.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,066.76 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $288,684.90. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $288,684.90.<br> As per the collection comment dated xx/xx/2024, the RFD was an excessive obligation.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR1 has been SE for 9.58 years at xx.<br> BWR2 has 5.58 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Application<br> Hazard Insurance<br> Initial Escrow Acct Disclosure<br> Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 49.99%. Tape shows the lender did not include the monthly payment of the auto loan debt in the DTI calculation. The revised DTI is 57%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has been SE for 9.58 years at xx. BWR2 has 5.58 years on the job as a xx at xx 738, 2X30 since inception, $xx equity in the subject, and $4,663 residual income." | \* Application Missing (Lvl 3) "Final application is missing from the loan documents."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents. Settlement services provider list is missing from loan documents." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 401565 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1678.40 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3225.15 | 6.875% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 740 | Not Applicable | 43.094% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of combined taxes for 2024 were due on xx/xx/2025 and xx/xx/2024 in the amount of $1,762.22.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,225.15 with an interest rate of $6.875%. The current UPB is $482,500.00. | Collections Comments:The current status of the loan is performing.<br> The loan originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,225.15 with an interest rate of $6.875%. The current UPB is $482,500.00.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> The borrower has 4.83 years on the job as an xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan does not meet the FHA flipping requirements. At the time of the sales contract, the seller was vested in the title for less than 90 days. Further details not provided. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2024, and the price of the prior sale or transfer was $xx. The current sale price is $xx. Appraisal shows a complete remodel both inside and out. The exterior/interior were painted, new windows installed, new flooring, kitchen/bathrooms remodeled, new appliances, designer fixtures and LED lighting. xx search shows an estimated value of $xx. Current UPB $xx."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents." | \* Compliance Testing (Lvl 2) "Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 7.989% exceeds APR threshold of 7.882% over by +0.107%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51330448 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $11136.08 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4085.15 | 6.475% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 807 | 775 | 43.711% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2023-2024 were paid in the total amount of $11,136.08 on xx/xx/2024 & xx/xx/2024.<br> The 1st installment of county tax for 2024-2025 is due in the total amount of $6,124.84 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $6,764.63, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,085.15 with an interest rate of 6.475%. The current UPB reflected as per the payment history is $636,255.51. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $636,255.51.<br> According to servicing comment dated xx/xx/2024, the subject property is affected due to natural disaster. <br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>BWR1 has 12.08 years on the job asxx<br> BWR2 has 1.50 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing Initial 1003_Application (Lvl 3) "Initial application dated xx/xx/2023 signed by originator is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows subject loan was repurchased due to parcel issues as there are 3 parcels and two dwelling units; 2 parcels are taxed with a dwelling on each of the 2 parcels. Review of the appraisal report confirms 3 parcels and 2 dwelling units. Further details not provided. xx search shows an estimated value at $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5063961 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1793.24 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $938.62 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 36.008% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first and second installments of county taxes for 2024 were paid in the total amount of $1,793.24.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $938.62, and the interest rate is 6.500%. The current UPB is $145,306.32. | Collections Comments:The current status is collection. <br> According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $938.62, and the interest rate is 6.500%. The current UPB is $145,306.32.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 25.25 years on the job as an xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows that the last payment was received for the due date of xx/xx/2024 on xx/xx/2024 that was reversed on xx/xx/2024 due to insufficient funds. PH also reflects the same. As per PH as of xx/xx/2024, the borrower is 1 month delinquent, and the next due date is xx/xx/2024." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 36%. The tape shows undisclosed debt. The revised DTI is 53%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 25.25 years on the job as an xx FICO 691, $xx equity in the subject, and $2,347 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2023 does not reflect Funding, Wire, or Disbursement Fee, Lock extension, Processing Fee, Underwriting Fee and Tax Service Fee. Final, CD dated xx/xx/2023 reflects Funding, Wire, or Disbursement Fee, Lock extension, Processing Fee, Underwriting Fee and Tax Service Fee at 2,005.25<br> Loan estimate dated xx/xx/2023 reflects Loan Origination Fee at $1,295.00. Final, CD dated xx/xx/2023 reflects Loan Origination Fee at $1,485.00. This is a cumulative increase in fee of $2,195.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15491810 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $2228.48 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $794.88 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 49.328% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are 10 state tax liens found against the subject borrower in the total amount of $94,889.93 filed by the xx, which were recorded on different dates.<br> There is an IRS lien against the borrower in favor of thexx in the amount of $301,744.87, which was recorded on xx/xx/2011.<br> There are 10 civil judgments found against the borrower in the total amount of $47,189.66 filed by different plaintiffs and recorded on different dates.<br> There are 3 credit card judgments found against the borrower in the total amount of $462,179.76 filed by different plaintiffs and recorded on different dates.<br> There is a hospital lien found against the borrower in favor of xx in the amount of $2,088.00, which was recorded on xx/xx/2016.<br> The 2025 city annual taxes are due in the amount of $2,228.48 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,052.72, which was applied for the due date of xx/xx/2025. The current monthly P&I is $794.88 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $120,275.57. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $120,275.57.<br> As per the servicing comment dated xx/xx/2024, the reason for default is excessive obligations.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No evidence of damage or repair has been found. <br> As per tape data, the subject property is owner-occupied. <br> BWR receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Compliance failing for state regulations. PA license validation test. In the state of PA, the lender is licensed under state ID xx as per the NMLS website."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the interest rate test due to interest rate calculated 6.875% exceeds interest rate threshold of 6.750% over by +0.125%."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at DTI 49.32%. Tape shows an undisclosed debt with a monthly payment of $526.00. The revised DTI is 73.97%. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives pension income, FICO 641, $xx equity in the subject, and $555 residual income." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 18898780 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1599.81 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3252.87 | 9.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 36.534% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> Annual county taxes for the year of 2024 have been paid in the amount of $1599.81 on xx/xx/2024.<br> No prior year delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Last payment was received on xx/xx/2024 in the amount of $3,700.00 which was applied on xx/xx/2025. Current P&I is $3,252.87 and the interest rate is 9.625%. The UPB is reflected in the amount of $381,284.80. | Collections Comments:The loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is reflected in the amount of $381,284.80.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding bankruptcy and foreclosure.<br> No damage and repairs have been found. <br> BWR has been SE for 2.16 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "The tape shows asset reserves are less than 6 months for the subject loan closed at LTV of 90%. The bank statement in the file shows $35,504.46, and the cash-to-close requirement is $xx. BWR has $xx net after closing. Reserves requirement estimated to be $xx. BWR has 716 FICO, approved at 35%. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.861% exceeds APR threshold of 8.580% over by +1.281%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69616575 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $3375.22 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2177.47 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 655 | 731 | 48.697% | First | Final policy | Not Applicable | Not Applicable | 10/xx/2024 | $467265.49 | Not Applicable | 3.990% | $1949.98 | 11/xx/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx<br> There is a UCC lien found against the subject property in favor ofxx, which was recorded on xx/xx/2024.<br> The 1st, 2nd, and 3rd installments of county taxes for 2024 were paid in the total amount of $2,534.01 on different dates.<br> The 4th installment of county taxes for 2024 is due in the total amount of $843.81 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,725.00, which was applied for the due date of xx/xx/2025. The current P&I is $1,949.98, and the rate of interest is 3.990%. The current UPB reflected as per the payment history is $466,072.57. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $466,072.57.<br> As per the servicing comment dated xx/xx/2024, the reason for default is unemployment.<br> As per servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the borrower's forbearance plan expired on xx/xx/2024.<br> No information has been found related to damage or repairs.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR1 has 2.41 years on the job as an xx with the xx. BWR2 has 6 months on the job as a xx. BWR2 had multiple jobs in the past. BWR3 has 10 years on the job as a xxwith xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the lender and borrower on 10/xx/2024. As per the modified term, the new principal balance is $467,265.49. The monthly P&I is $1,949.98 with an interest rate of 3.990% beginning on 11/xx/2024 and a maturity date of 10/xx/2064. There is no deferred balance and principal forgiven amount. | Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.69%. Tape shows supporting documents for BWR2 REO property and mortgage payment to determine DTI accurately are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has 2.41 years on the job as an xx. BWR2 has 6 months on the job as a xx. BWR3 has 10 years on the job as a xx FICO 655, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $5,365.60.<br> Loan estimate dated xx/xx/2021 does not reflect Appraisal Review Fee. CD dated xx/xx/2021 reflects Appraisal Review Fee at $175.00.<br> This is a cumulative increase in fee of $5,540.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.589% exceeds APR threshold of 4.570% over by +0.019%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.589% Exceeds APR threshold of 4.570% Over By +0.019%. Subject loan is escrowed."<br> \* LE/CD Issue date test Fail (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) "AUS/DU report at the timing of closing is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.697%, the borrower income is $16,523.96 and total expenses are in the amount of $8,046.62. AUS report is missing from the loan documents. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24271587 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5722.34 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3051.12 | 9.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 744 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2024 county annual taxes were paid in the amount of $5,493.45 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,302.87 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,051.12 with an interest rate of 9.130%. The current UPB reflected as per the payment history is $372,719.47. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $372,719.47.<br> Unable to determine the RFD.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44303846 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3233.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1729.93 | 9.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 21.593% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is a state tax lien found against the subject borrower in favor of the xx in the amount of $5,453.64, which was recorded on xx/xx/2024.<br> There is a civil judgment found against the subject borrower in favor of xx. in the amount of $1,861.96, which was recorded on xx/xx/2023.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,058.61, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,729.93 with an interest rate of 9.375%.The current UPB reflected as per the payment history is $207,234.33. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $207,234.33.<br> As per the servicing comment dated xx/xx/2024, the reason for default is loss of income.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been SE for 4.08 years at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Compliance is failing for state regulations PA license validation test."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the interest rate test due to rate calculated 9.375% exceeds rate threshold of 6.750% over by +2.625%."<br> \* Loan does not conform to program guidelines (Lvl 3) "As per the seller tape issue, the borrower is to reinstate 1/24. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $207,234.33."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.877% exceeds APR threshold of 8.420% over by +1.457%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94901205 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $355.75 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $514.38 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 794 | Not Applicable | 23.744% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens and judgments have been found.<br> Annual county taxes for the year of 2024-2025 were paid in the amount of $355.75.<br> No prior year delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $606.90 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $514.38 with an interest rate of 6.375%. The current UPB is $79,661.44. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $79,661.44.<br> Unable to determine the RFD.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No evidence has been found regarding litigation and contested matters.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is owner-occupied.<br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has 10 months on the job as a xx. BWR has prior employment experience as a xx with xx between xx/xx/2021 and xx/xx/2021 for 9 months. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan was approved at 23.74%. Tape shows BWR's FICO dropped after removing 2 accounts that the BWR wasn't responsible for. The credit report shows only two active tradelines, and one of them is an authorized user account, and the loan lost AUS approval. Further details are not provided. The subject loan originated on xx/xx/2023. BWR has 10 months on the job as a xx BWR has prior employment experience as axx between xx/xx/2021 and xx/xx/2021 for 9 months, FICO 794, and $xx equity in the subject." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $109,711.12. Calculated finance charge is $110,028.12 for an under disclosed amount of -$317.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2023 and the 1 year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60385804 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2274.84 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2494.77 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 42.806% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is a state tax lien found against the borrower in favor of thexx in the amount of $1966.43, which was recorded on xx/xx/2025.<br> The 2024 county annual taxes were paid in the amount of $2,274.84 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,845.19 which was applied to the due date of xx/xx/2024. The unpaid principal balance is $413,649.43. The current P&I is $2,494.77 and the interest rate is 5.750%. | Collections Comments:The current status of the loan is performing.<br> According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The unpaid principal balance is $413,649.43. <br> Unable to determine the RFD.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property has been occupied by owner. <br> No comments have been found stating the borrower's income was impacted by Covid-19.<br> BWR has been SE for 6 years and 5 months at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows recent delinquency and the borrower became current by making 2 payments beginning of December 2024. Further details were not provided. According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,845.19 which was applied to the due date of xx/xx/2024."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 43%. The tape shows SE income misrepresentation as two years of BWR's SE history could not be verified by the tax preparer. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been SE for 6 years and 5 months at xx, FICO 560, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $1,445.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $2,406.83. This is an increase in fee of $961.83 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on 0xx/xx/2022 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13949657 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6607.26 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5936.35 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 808 | 799 | 46.764% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024/2025 is paid on xx/xx/2024 in the amount of $3,303.63.<br> The second installment of county taxes for 2024/2025 is due on xx/xx/2025 in the amount of $3,303.63.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,873.26, which applied for xx/xx/2025. The current P&I is $5,936.35 with an interest rate of 6.125%. The current UPB is $974,136.69. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,873.26, which applied for xx/xx/2025. The current P&I is $5,936.35 with an interest rate of 6.125%. The current UPB is $xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR1 has 2 years on the job as a xx with xx BWR2 did not qualify with income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan program disclosure missing or unexecuted (Lvl 3) "Tape shows subject has one address and is zoned agricultural with 2 ADUs. Subject is a SF on 12 acres with a xx and a work shop that is not habitable. Both of the additional buildings are rented out. Parcel number is for 2 lots containing the 3 buildings (with 3 separate addresses) and the acreage."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents."<br> \* Occupancy concerns - (Lvl 3) "Tape shows subject is a second home. File shows subject is OO with 2 additional buildings. BWR purchased the property in 2022 and built a 4300 SF home." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90674752 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2393.66 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1925.46 | 8.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 46.098% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage was originated xx<br> No active judgments or liens were found.<br> The first installment of county taxes for 2024 is paid in the amount of $1,196.83 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the total amount of $1,196.83 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,258.76 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,925.46 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $241,170.79. | Collections Comments:Currently, the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The RFD is not available.<br> According to the collection comments dated xx/xx/2024, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been self-employed for 21.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure |  | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to the initial CD missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Seller tape defect shows EPD. The next due date is xx/xx/2025. Current UPB as of the date reflected in the provided payment history is $241,170.79."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to in the amount of $930.85."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.262% exceeds APR threshold of 8.690% over by +0.572%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52603335 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5536.22 | Unavailable | Unavailable | No | Other | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1794.55 | 7.875% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 703 | 703 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | The review of the updated title report dated xx/xx/2025 shows that the subject mortgage was originated xx<br> No active judgments or liens were found.<br> The annual county taxes for 2023 are paid in the amount of $2,081.00 on xx/xx/2023.<br> The annual county taxes for 2024 are due in the amount of $5,536.22‬ on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the first payment due date is xx/xx/2024, and the borrower has been delinquent for 4 months, and the next due date is xx/xx/2024. The current P&I is $1,794.55 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $247,500.00. | Collections Comments:Currently, the loan is in foreclosure.<br> According to payment history as of xx/xx/2025, the first payment due date is xx/xx/2024, and the borrower has been delinquent for 4 months, and the next due date is xx/xx/2024. The current UPB is $247,500.00.<br> No information has been found regarding the forbearance plan.<br> As per the comment dated xx/xx/2024, the subject property was damaged due to natural disaster and the cost to cure is $7,000.00. Further details not provided.<br> As per the comment dated xx/xx/2024, the subject property was tenant-occupied.<br> As per the comment dated xx/xx/2024, the reason for default is loss of income from the tenant.<br> As per the comment dated xx/xx/2024, the foreclosure was initiated in 2024. As per the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025, and the FC was put on hold due to AOM. Further details are not provided.<br> No post-close bankruptcy record has been found.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated in 2024. As per the comment dated xx/xx/2025, the complaint was filed on xx/xx/2025, and the FC was put on hold due to AOM. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is EPD. The first payment was due on xx/xx/2024. According to payment history as of xx/xx/2025, the first payment due date is xx/xx/2024, and the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The current UPB is $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $7000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17234019 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oklahoma | xx | xx | xx | Oklahoma | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2064.00 | 01/xx/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $988.21 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 674 | Not Applicable | 25.623% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is one junior mortgage against the subject property that was originated on xx/xx/2024 and recorded on xx/xx/2024 in the amount of $11,310.23 with the lender "xx.".<br> The annual combined taxes for 2024 were paid in the amount of $2,064.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,284.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $988.21 with an interest rate of 6.375%. The current UPB is $154,591.24. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,284.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $988.21 with an interest rate of 6.375%. The current UPB is $154,591.24.<br> As per the comment dated xx/xx/2023, the RFD was illness of the BWR. <br> As per the comment dated xx/xx/2024, the foreclosure was initiated in 2024. According to the comment dated, FC was put on hold as the loan was reinstated.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br>BWR was qualified using a post-close offer letter as a xx at xx. Previously, BWR has 1.25 years on the job as axx, and prior to that, BWR has prior employment experience as xx between xx/xx/2018 and xx/xx/2021 for 3.33 years.<br> Foreclosure Comments:As per the comment dated xx/xx/2024, the foreclosure was initiated in 2024. According to the comment dated, FC was put on hold as the loan was reinstated.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure |  | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "The initial escrow account disclosure signed page is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 25.62%. Tape shows BWR did not disclose working for family business. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR was qualified using a post-close offer letter as a xx. Previously, BWR has 1.25 years on the job as a xx, FICO 674, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47516190 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1256.98 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 769 | Not Applicable | 44.733% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated xx<br> There is a junior mortgage originated on xx<br> The combined annual taxes for 2024 have been paid in the amount of $563.25 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,700.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,256.98 with an interest rate of 6.750%.The current UPB is reflected as per the payment history: $191,584.75. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $191,584.75.<br> As per tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> No damage and repairs have been found.<br> BWR has 3.33 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject loan was approved at 44.73%. Tape shows subject loan was deemed ineligible for purchase as the lender did not satisfy DTI requirement within allotted time period. Further details not provided. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.33 years on the job as a xx 769, 0X30 since inception, and $xx equity in the subject." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to the borrower in the amount of $2,500.00" |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46292364 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4204.96 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $336.19 | 6.375% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 804 | Not Applicable | 18.615% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $4,204.96 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The last payment was received on xx/xx/2025 in the amount of $634.94, which was applied for the due date of xx/xx/2025. The current monthly P&I is $336.19 with an interest rate of 6.375%.The current UPB reflected as per the payment history is $38,509.34. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $38,509.34.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has 2 years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.475% exceeding the APR threshold of 7.310% by +0.165%. The subject loan is not escrowed as hazard insurance reserves were not collected at closing. Also, the tape shows the loan did not have an escrow account, which is required for HPML loans. The subject loan originated on xx/xx/2024, and the 1-year affirmative defense period is open." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB $xx."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $23,999.59. Calculated finance charge is $24,224.34 for an under disclosed amount of -$224.75. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.475% Exceeds APR threshold of 7.310% Over By +0.165%." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32850478 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Mississippi | xx | xx | xx | Mississippi | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3988.31 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3616.64 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 41.506% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for the year 2024 are due in the amount of $3,988.31 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,439.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,616.64 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $511,715.47. | Collections Comments:According to the payment history, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB, as per the payment history, is $511,715.47.<br> According to the seller's tape data, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br>BWR has 3 years on the job as a xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71084221 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4370.45 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $916.93 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 780 | Not Applicable | 39.498% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated xx<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of $4,370.45 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,342.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $916.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $142,300.79. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $142,300.79.<br> As per tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> The appraisal report is as is, and the photo addendum shows significant wood damage due to water intrusion; interior ceilings show signs of past water leakage, and the HVAC unit has some issues; the interior needs repainting, and some exterior wood needs repairs and painting. The screen needs to be replaced on the back porch, and the lamp posts and front porch columns need repair. No evidence is available to confirm the current status of repairs.<br> BWR has 6.83 years on the job as axx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as is, and the photo addendum shows significant wood damage due to water intrusion; interior ceilings show signs of past water leakage, and the HVAC unit has some issues; the interior needs repainting, and some exterior wood needs repairs and painting. The screen needs to be replaced on the back porch, and the lamp posts and front porch columns need repair. The wood and pest inspection report by a licensed professional is missing from the loan documents." | \* Cash out purchase (Lvl 3) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $843.68."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49950710 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2815.90 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1997.22 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 762 | 741 | 38.223% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual county taxes for 2024 were paid in the amount of $2,815.90.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,997.22 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $300,253.19. The current P&I is $1,997.22 and the interest rate is 6.990%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The unpaid principal balance is $300,253.19. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR1 receives SSI and retirement income.<br> BWR2 receives SSI income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $129.00<br> Underwriting Fee paid by Borrower: $1,149.00<br> Verification Fee paid by Borrower: $50.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41293709 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2825.04 | 10/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2858.38 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 665 | Not Applicable | 49.592% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is a junior mortgage active against the subject property in the amount of xx<br> There are two civil judgments active against the prior owner in favor of xx recorded on xx/xx/2020 and xx/xx/2021 in the amounts of $6530.95 and $2689.08.<br> The annual county taxes for the year 2023 are paid in the amount of $2,740.00 on xx/xx/2024.<br> The first and second installments of county taxes are due in the total amount of $2,825.04 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is delinquent for 2 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,334.64 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,858.38 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $366,399.43. | Collections Comments:According to payment history, currently the loan is in collection.<br> According to payment history as of xx/xx/2025, the borrower is delinquent for 2 months, and the next due date is xx/xx/2024. The UPB, as per the payment history, is $366,399.43.<br> As per the collection comment dated xx/xx/2025, the RFD was an excessive obligation.<br> As per the comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> BWR has 5.91 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.905% exceeds APR threshold of 8.320% over by +0.585%. Subject loan is escrowed."<br> \* Loan does not conform to program guidelines (Lvl 3) "The sellers tape data show EPD. According to payment history as of xx/xx/2025, the borrower is delinquent for 2 months, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.905% exceeds APR threshold of 8.320% over by +0.585%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41045368 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1378.16 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $427.78 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 712 | Not Applicable | 44.067% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior mortgage open against the subject property originated on xx/xx/2024 in favor of xx<br> The first installment of county taxes for 2024 was paid in the amount of $1,378.16 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of $1,378.16 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $427.78, which was applied to the due date of xx/xx/2025. The current P&I is $427.78 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $54,862.02. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $54,862.02.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR receives VA benefits and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 44.06%. Tape shows rental income used for qualification was not supported as the property was being renovated and not listed for rent. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives VA benefits and pension income, FICO 767, 0X30 since inception, and $xx equity in the subject." | \* Missing Appraisal (Lvl 3) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92536048 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1914.15 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $496.04 | 8.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 766 | Not Applicable | 44.398% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property in favor of xx<br> The first installment of county taxes for 2024 has been paid in the amount of $957.08 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of $957.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025, and the next due date for payment is xx/xx/2025. The P&I is $496.04, and the interest rate is 8.625%. The UPB reflected as per the payment history is $49,725.69. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan. The UPB reflected as per the payment history is $49,725.69.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding bankruptcy and foreclosure.<br> No evidence has been found regarding damage.<br> BWR receives SSI and pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Subject originated as a second lien loan, and the tape shows the loan fails the HPML test, and a full appraisal is required. Infinity compliance result also fails HPML test. Subject loan is escrowed. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 does not reflect AVM Fee. Final CD dated xx/xx/2024 reflects AVM Fee at $30.00. This is an increase in fee of +$30.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Missing Appraisal (Lvl 3) "The appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject FHA approved at 51.64%. Review shows lender miscalculated both BWRs income and the revised DTI is 57%. Lender defect. Subject originated 5/xx/22 and the 3 year SOL will expire on 5/xx/25. BWR1 has 4 years on the job as a xx. FICO 756."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.938% exceeds APR threshold of 8.910% over by +0.028%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36768939 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7215.69 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4347.80 | 5.875% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 793 | Not Applicable | 34.059% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a dissolution of marriage with children judgment (divorce) in favor of xx<br> The first and second installments of county taxes for 2024 have been paid in the total amount of $1,451.75. <br> The first and second installments of county taxes for 2025 are due in the total amount of $7,215.69 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,145.83 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $4,347.80 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $731,980.47. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $731,980.47.<br> Unable to determine the occupancy of the subject property. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR qualified using an offer letter as a xx. BWR has prior employment experience as a xx between xx/xx/2013 and xx/xx/2024 for 10.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan closed as a 7/1 ARM, and a review of the note shows the document shows the subject is an ARM loan with the first change date after 7 years and subsequent rate changes after 1 year. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16858168 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3353.14 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3449.44 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 641 | Not Applicable | 43.374% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated xx No active judgments or liens have been found. The 1st and 2nd installments of combined taxes for 2024 were paid in the total amount of $3,353.14 on xx/xx/2024 & xx/xx/2025, respectively. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was made on xx/xx/2025 in the amount of $3,449.44, which was applied to the due date of xx/xx/2025. The current P&I is $3,449.44 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $511,178.69. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $511,178.69. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. BWR has 4 months on the job as xx. BWR has prior employment experience as axx between xx/xx/2021 and xx/xx/2024 for 2.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows disputed account not updated as expected. The credit report shows a collection account with a remaining balance of $1250 disputed by BWR. Further details are not provided. BWR has 4 months on the job as an xx 565, and $xx equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as 10/xx/2024. Notary's signature date on the Mortgage/Deed of Trust is 10/xx/2024. Note date is 10/xx/2024." | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49053963 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1944.48 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4546.16 | 6.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 775 | Not Applicable | 42.197% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a UCC judgment against the borrower in favor of xx<br> The annual installment of county taxes for 2024 was paid in the amount of $1,944.48 on xx/xx/2024. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,022.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,546.16 with an interest rate of 6.490%. The current UPB is $706,264.40. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx. <br> CCs do not show damages. <br> No information has been found regarding BK. <br> No information has been found regarding FC. <br> The loan has not been modified since origination. <br> As per the comment dated xx/xx/2023, the subject property is owner-occupied.<br> BWR has been SE for 6 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 42.19%. Tape shows SE and rental income miscalculation. Revised DTI is 53.98%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 6 years at xx, FICO 764, 0X30 since inception, $xx equity in the subject, $7,642 residual income." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21195935 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2170.32 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $595.25 | 8.625% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 725 | Not Applicable | 31.408% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property that was originated on xx/xx/2022 in favor of xx<br> The first, second, and third installments of county taxes for 2024 were paid on xx/xx/2024, xx/xx/2024, and xx/xx/2025 in the total amount of $1,630.34.<br> The fourth installment of county taxes for 2024 is due on xx/xx/2025 in the amount of $542.58.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $595.25, which was applied to the due date of xx/xx/2025. The current P&I is $595.25 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $59,219.74. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $59,219.74.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has 19.5 years on the job as anxx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Subject originated as a second lien loan and tape shows the loan fails the HPML test, and a full appraisal is required. Infinity compliance result also fails HPML test. Subject loan is escrowed. Further details not provided."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "The loan failed the TILA post-consummation revised closing disclosure foreclosure rescission finance charge test due to the finance charge disclosed on final CD as $47,917.37. Calculated finance charge is $48,017.37 for an under-disclosed amount of -$100.00. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active."<br> \* Missing Appraisal (Lvl 3) "Appraisal report is missing from the loan documents. xx shows estimated value of $xx. Current UPB $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.873% exceeds APR threshold of 8.830% over by +0.043%. Subject loan is escrowed.<br> Loan failed qualified mortgage safe harbor threshold test APR calculated 8.873% APR threshold 8.830% over By +0.043%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77462988 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | No | Not Applicable | First |  | $0.00 | $1818.62 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2803.98 | 6.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 690 | Not Applicable | 36.600% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx<br> There is a state tax lien found against the subject borrower in the amount of $8,312.15 in favor of the xx<br> The first installment of the county taxes for 2024 was paid on xx/xx/2024 in the amount of $909.31. <br> The installment of the county taxes for 2024 is due on xx/xx/2025 in the amount of $909.31. <br> No delinquent tax has been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $3,289.56, which was applied to the due date of xx/xx/2025. The current P&I is $2,803.98 with an interest rate of 6.25%. The current UPB reflected as per the payment history is $445,837.19. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has been SE for 7.16 years at xx. Additionally, the BWR receives child support income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Appraisal report is as is. Tape and appraisal report show termite activity on the stem wall inside of the subject's garage, and a termite certification by a licensed termite professional is required. The estimated cost to cure is not available in the loan file. 1004D/termite inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $1,073.00. This is an increase in fee of +$1,073.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2023 and the 1 year SOL is expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 3477617 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5688.83 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1497.73 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 775 | 630 | 45.977% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a civil judgment found against the borrower in favor of xx<br> The annual combined taxes for 2024 were paid in the amount of $5,688.83 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,363.74 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,497.73 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $257,101.72. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $257,101.72.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the collection comment dated xx/xx/2023 the borrower's income was impacted by the covid-19 pandemic. As per tape data, the borrower was granted forbearance with deferred payment, and the total payoff amount is $268,010.53.<br> As per servicing comment dated xx/xx/2024, the property was impacted by disaster. <br> BWR1 has 10.08 years on the job as a xx with xx <br> BWR2 has 10.91 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan failed APOR test. Infinity compliance result shows the loan failed the HPML and QM Safe Harbor threshold test. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.530% exceeds APR threshold of 4.570% over by +0.960%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.277% exceeds APR threshold of 4.570% over by +0.707%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.98% as the borrower's income is 11,898 and total expenses are in the amount of $5,470.54 and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of 45.98%." | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as 7/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is 7/xx/2021. Note date is 7/xx/2021." | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83736094 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $8572.02 | $20425.38 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $8909.97 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 723 | Not Applicable | 42.945% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There is an active prior mortgage that was originated on xx<br> There is a credit card judgment against xx. The SSN mentioned in the supporting document is inconsistent with the subject borrower's SSN.<br> The first installment of county taxes for 2024/25 was paid in the amount of $10,212.69 on xx/xx/2024.<br> The second installment of county taxes for 2024-25 is due on xx/xx/2025 in the amount of $10,212.69.<br> The first and second installments of county taxes for 2023 have been delinquent, which was due on xx/xx/2024 and xx/xx/2024 in the amount of $8,582.02, good through on xx/xx/2025. | According to payment history as of xx/xx/2025 the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the mount of $9,527.40 on xx/xx/2025, which was applied to the due date for xx/xx/2025. The current P&I is $8,909.97 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $1,187,370.35. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025 the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx<br> As per the collection comment dated xx/xx/2024, the RFD was loss of income.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the collection comment dated xx/xx/2024, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has been SE for 4.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $2,100.00. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $32,856.00. This is an increase fee in the amount of +$30,756.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2023, and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows EPD. According to payment history as of xx/xx/2025 the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $1,190,221.53."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5455677 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2064.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1422.15 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | 37.778% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The first installment of combined taxes for 2023 was paid in the amount of $1,032.00 on xx/xx/2024.<br> The second installment of combined taxes for 2023 is due in the amount of $1,032.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,963.90, which was applied to the due date of xx/xx/2025. The current P&I is $1,422.15 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $222,049.95. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $222,049.95.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has 4 months on the job as axx. BWR has prior employment experience as a xxwith xx between xx/xx/2021 and xx/xx/2023 for 1.50 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the prohibited fees test. <br> The following fees were included in the test:<br> Broken Admin Fee paid by Borrower: $205.00<br> Fraud Report Fee paid by Borrower: $14.00<br> Lender's Title Insurance Policy paid by Borrower: $175.00<br> MERS paid by Borrower: $25.00<br> Redon Inspection paid by Borrower: $150.00<br> Tax Service Fee paid by Borrower: $52.00<br> Title Courier Fee paid by Borrower: $40.00<br> Title Examination Fee paid by Borrower: $250.00<br> Whole House Inspection paid by Borrower: $465.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41251746 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2902.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1357.92 | 4.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 789 | 795 | 49.410% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $2,902.00 on xx/xx/2024 & xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,090.43, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,357.92 with an interest rate of 4.50%. The current UPB reflected as per the payment history is $248,713.57. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>BWR1 has been SE for 10.33 years at xx.<br> BWR2 has been SE for 10.33 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures | xx | 3: Curable |  | \* Missing Required Disclosures (Lvl 3) "The home loan toolkit is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.410%, as the borrower's income is $4,903.22 and total expenses are in the amount of $2,422.66 and the loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of 49.41%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75986992 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1616.00 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $717.78 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 649 | Not Applicable | 28.279% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are 2 junior mortgages against the subject property. The first junior mortgage against the subject property is in favor of the xx, and the second junior mortgage against the subject property is in favor of the xx<br> The 1st installment of combined taxes for 2023 was paid in the amount of $808.00 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2023 was due in the amount of $808.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $930.03, which was applied for the due date of xx/xx/2025. The current monthly P&I is $717.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $113,630.82. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $113,630.82.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>BWR has 4.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Missing Required Disclosures<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed the state regulations for prohibited fees test. <br> The below fees were included in the test:<br>Closing Fee paid by Borrower: $600.00<br> Title - IA Title Guaranty Fee paid by Borrower: $175.00<br> Title Examination Fee paid by Borrower: $200.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan is uninsured by the FHA as secondary finance provider on the loan is not HUD approved. FCD reflects two secondary finance loans of $12,900 and $2,500 used on the subject loan. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers disclosure is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD reflects cash to borrower in the amount of $193.70."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase test. Initial LE dated xx/xx/2023 reflects pest inspection fee $135.00. Final CD dated xx/xx/2023 reflects pest inspection fee at $150.00. This is an increase of +$5.00 for charges that cannot increase. Subject loan is purchase case, originated on xx/xx/2023 and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50594102 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1090.00 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $522.81 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 38.195% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 1st installment of combined taxes for 2023 was paid in the amount of $545.00 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2023 is due in the total amount of $545.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $795.31 which was applied for the due date of xx/xx/2025. The current monthly P&I is $522.81 with an interest rate of 8.00%. The current UPB reflected as per the payment history is $70,656.54. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $70,656.54.<br> As per tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 4.58 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing Dicsloures<br> Missing DU/GUS/AUS<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged 8.755% exceeds fees threshold of 8.430% Over by +0.325%.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $800.00<br> Points - Loan Discount Fee paid by Borrower: $112.58"<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed the prohibited fees test. <br> Below fees were included in the test:<br> Escrow Holdback- Impound Fee paid by Borrower: $719.00<br> Recording Service Fee paid by Borrower: $6.00<br> Title Examination Fee paid by Borrower: $225.00<br> Title Guaranty Fee paid by Borrower: $175.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Subject is manufactured home. Tape and file show AUS was run with the incorrect property type as SFR detached. Further details not provided."<br> \* Loan has escrow holdback. No proof it was released (Lvl 3) "Final CD reflect escrow hold back in the amount of $719.00, No proof of release was found from the loan document."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "AUS/DU submitted at closing is missing from the loan documents. Subject loan closed on xx/xx/2024 and post-closing AUS dated xx/xx/2024 is available in the file. Subject is a manufactured home and appraisal is completed on form 1004C March 2005. Post close AUS shows appraisal must be completed on form 1004 March 2005."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "Affiliated Business Disclosure is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 38.19%. The tape reflects an increased DTI of 40.98%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.58 years on the job as a xx, FICO 713, 0X30 since inception, $xx equity in the subject, and $2,182 residual income."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.841% exceeds APR threshold of 8.430% over by +0.411%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 8.755% Exceeds APR threshold of 8.430% Over By +0.325%. Subject loan is escrowed."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at Loan File Package xx Page#2, the subject property is a manufactured home. The manufactured home rider located at xx and the affidavit of affixation document is available in loan files located at xx, state that the manufactured home with VIN/Serial # xx has been affixed to the permanent foundation." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31022063 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2456.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1348.99 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 763 | Not Applicable | 29.136% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior medical lien found against the borrower in favor of xx<br> The 1st installment of combined taxes for 2023 was paid in the amount of $1,228.00 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2023 is due in the amount of $1,228.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.76, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,348.99 with an interest rate of 6.00%. The current UPB reflected as per the payment history is $221,549.79. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $221,549.79.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 4.91 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 29.13%. Tape shows an issue with the continuation of the BWR salary. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.91 years on the job as a xx, FICO 763, 0X30 since inception, and $xx equity in the subject." | \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation prohibited fees test. The following fees were included in the test:<br> Employment Verification paid by Borrower: $92.66<br> Regulatory and Compliance Fee paid by Borrower: $350.00<br> Title IA Guaranty Fee paid by Borrower: $175.00<br> Transfer Fee paid by Borrower: $550.00."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active." | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $265,274.95. Calculated finance charge is $265,582.61 for an under disclosed amount of -$307.66. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Not Covered | Fail | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46717272 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2316.44 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $443.64 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | Unavailable | Not Applicable | 40.133% | First | Final policy | Not Applicable | Not Applicable | 02/xx/2012 | $68301.82 | Not Applicable | 6.750% | $412.10 | 03/xx/2012 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found. <br> The first installment of combined taxes for 2023 was paid in the amount of $1,158.00 on xx/xx/2024. <br> The second installment of combined taxes for 2023 is due in the amount of $1,158.00 on xx/xx/2024.<br> No prior year's delinquent taxes have been found.  | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $808.62, which was applied to the due date of xx/xx/2025. The current P&I is $412.10 with an interest rate of 6.75%. The current UPB reflected as per the payment history is $57,667.80. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $57,667.80.<br> The loan was modified on xx/xx/2012 with the principal balance of $68,301.82.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification was made between the borrower, xx, with an effective date of 2/xx/2012, showing the modified principal balance of $68,301.82. The borrower agreed to pay the modified monthly P&I of $412.10 with a modified interest rate of 6.75% starting on 03/xx/2012 and continuing until the new maturity date of 02/xx/2052. There is no deferred balance and principal forgiven amount. | Credit Report<br> Final Truth in Lending Discl.<br> Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan was repurchased from Fannie Mae on xx/xx/2013. Further details not provided." | \* ComplianceEase State Regulations Test Failed (Lvl 2) "Loan failed prohibited fees test. <br> The below fees were included in the test:<br>Tax Related Service Fee paid by Borrower: $63.00<br> Extension Fee/Mornet Fee paid by Borrower: $171.00<br> Title Examination Fee paid by Borrower: $150.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $15.00<br> Title Guaranty paid by Borrower: $110.00<br> Recording Service Fee paid by Borrower: $3.00"<br> \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA APR test as final TIL is missing from the loan document."<br> \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB is $xx."<br> \* Missing credit report (Lvl 2) "Credit report is missing from loan file."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98358476 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Iowa | xx | xx | xx | Iowa | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1106.00 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $407.83 | 4.000% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 669 | Not Applicable | 28.215% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active liens and judgments have been found.<br> The 1st installment of combined taxes for the year of 2023 was paid in the amount of $553.00 on xx/xx/2024.<br> The 2nd installment of combined taxes for the year of 2023 is due in the amount of $553.00 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $621.11, which was applied for the due date of xx/xx/2025. The current monthly P&I is $407.83 with an interest rate of 4.00%. The current UPB reflected as per the payment history is $74,351.68. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $74,351.68.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWR has 2 years on the job as a xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for prohibited test.<br> The below fees were included in the test:<br>Closing Fee paid by Borrower: $500.00<br> Title Examination Fee paid by Borrower: $200.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is uninsured by FHA. Further details not provided." | \* MI, FHA or MIC missing and required (Lvl 2) "FHA MI certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77754664 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $415.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $991.89 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 634 | Not Applicable | 38.038% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> Annual county taxes for 2024 were paid in the amount of $415.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,105.47 which was applied to the due date of xx/xx/2025. The current P&I is $991.89 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $135,628.63. | Collections Comments:As per the review of the servicing comments the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $135,628.63.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has 8 months on the job as xx Previously, BWR had 1 month on the job as a loan processor at xx between xx/xx/2023 and xx/xx/2023, and prior to that, BWR had 2 months on the job as a xx at xx, and prior to that, BWR was a xx with xx between xx/xx/2018 and xx/xx/2021 for 3.16 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the brokerage/finder fee test due to fees charged $5,026.55 exceed fees threshold of $2,736.00 over by +$2,290.55. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,881.00<br> Points - Loan Discount Fee paid by Borrower: $55.55<br> Points - Loan Discount Fee paid by Seller: $1,400.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $895.00."<br> \* Property Marketability Issues (Lvl 3) "The tape show agency did not agree with the comps, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB $xx." |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32329675 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6674.60 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2056.59 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 748 | 741 | 48.018% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are 04 credit card judgments found against the borrower in the total amount of $27,799.12 filed by different plaintiffs & recorded on different dates.<br> The 2024 county annual taxes were paid in the amount of $6,407.33 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,678.32, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,056.59 with an interest rate of 4.75%. The current UPB reflected as per the payment history is $376,515.98. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $376,515.98.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br>BWR1 has 1.08 years on the job as a xx at xx. Previously, BWR1 was SE between xx/xx/2018 and xx/xx/2021 for 2.91. BWR2 has 1.08 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows the investor did not validate the asset statements. Bank statements in the file show $xx in assets; cash to close required $xx. Further details not provided. The subject loan originated on xx/xx/2022. BWR1 has 1.08 years on the job as a xx. BWR2 has 1.08 years on the job as a xx, FICO 741, 0X30 in the last 24 months, and $xx equity in the subject." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.018%, as the borrower's income is $9,078.00 and total expenses are in the amount of $4,359.11 and the loan was underwritten by AUS/DU (xx) and its recommendation is Approve/Eligible with a DTI of 48.02%." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 10246667 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Pennsylvania | xx | xx | Yes | Yes | Not Applicable | Second |  | $0.00 | $5183.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1273.24 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 644 | 627 | 45.492% | First | Final policy | Not Applicable | Not Applicable | 12/xx/2023 | $279321.76 | Not Applicable | 3.375% | $1061.23 | 01/xx/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a state tax lien against the borrower xx in favor of the xx<br> Tax status to follow. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.16, which was applied to the due date of xx/xx/2025. The current P&I is $1,061.23 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $275,677.37. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $275,677.37.<br> As per the collection comment dated xx/xx/2023, the reason for default was the death of the borrower.<br> The loan was modified on xx/xx/2023 with the modified principal balance of $279,321.76.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR1 has 5.75 years on the job as a xx with xx.<br> BWR2 receives social security income.<br> BWR3 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The loan modification agreement was made between the lender and borrower on 12/xx/2023. As per the modified term, the new principal balance is $279,321.76. The borrower promised to pay the monthly P&I of $1,061.23 with an interest rate of 3.375% beginning on 1/xx/2024 and a maturity date of 12/xx/2063. | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the borrower has had some late payments in the past. The loan was modified in Jan-2024. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45%. Tape shows housing payment of second home was miscalculated. The revised DTI is 46%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 5.75 years on the job as a xx. BWR2 receives social security income. BWR3 receives social security income, FICO 627, $xx equity in the subject, and residential income $3,137."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Compliance is failing for state regulations PA license validation test."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 45.511%, as the borrower's income is $5,810.41 and total expenses are in the amount of $2,643.26 and the loan was underwritten by LP (xx) and its recommendation is accept with a DTI of 45%." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74015349 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4539.62 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2251.55 | 13.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 579 | Not Applicable | 48.729% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/25 was paid in the amount of $2,269.81 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/25 was due in the amount of $2,269.81 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,849.09, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,251.55 with an interest rate of 13.250%. The current UPB is $199,545.71. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,849.09, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,251.55 with an interest rate of 13.250%. The current UPB is $199,545.71.<br> No information has been found regarding BK and FC.<br> The comment dated xx/xx/2024 shows that the subject property is occupied by the unknown party.<br> The comment dated xx/xx/2025 shows the disaster's impact on the subject property. Further details not found.<br>BWR receives SSI income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application<br> Missing DU/GUS/AUS<br> Transmittal (1008) | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan failed TRID delivery and timing test. Infinity compliance result shows the loan passed the TRID delivery and timing test. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "LoanComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to fees charged $6,295.00. Exceeds fees threshold of $5,713.81, over by +$581.19. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $5,000.00 Underwriting Fee paid by Borrower: $1,295.00<br>The loan failed the Qualified Mortgage APR Threshold Test due to an APR charged of 13.829%, with an APR threshold of 9.540% over by +4.289%.<br>Loan failed QM Safe Harbor threshold test due to APR calculated 13.829% Exceeds APR threshold of 8.790% Over By +5.039%. The subject loan is escrowed."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2023 reflects a recording fee of $476.00. CD dated xx/xx/2024 reflects Recording fee at $581.00. This is a cumulative increase of $57.40 for charges that in total cannot increase more than 10%. COC for an increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2024, and the SOL is 3 years active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,295.00. Exceeds Fees threshold of $5,713.81 over by +$581.19. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $5,000.00 Underwriting Fee paid by Borrower: $1,295.00<br>Loan failed GSE (Fannie Mae public guidelines) QM APR Test due to APR calculated 13.829%, exceeds APR threshold of 9.540% over by +4.289%."<br> \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) "The AUS report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial 1003 signed by loan originator is missing from the loan files."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." |  |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46837956 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $5457.93 | 01/xx/2024 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2390.01 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 624 | 677 | 44.165% | First | Final policy | Not Applicable | Not Applicable | 12/xx/2024 | $526036.85 | Not Applicable | 6.000% | $2894.33 | 01/xx/2025 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> There are three credit card judgments against the BWR "xx," which were filed by the different plaintiffs in the total amount of $13,423.96, which were recorded on different dates.<br> The first and second installments of county taxes for the year 2025 were due on xx/xx/2025 and xx/xx/2025 in the amount of $5,457.93.<br> The first and second installments of county taxes for the year 2024 were paid on xx/xx/2024 and xx/xx/2024 in the amount of $5,069.32.<br> There are delinquent water/sewer charges in the amount of $242.16 with the good-through date of xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,500.00 (PITI) and was applied to the due date of xx/xx/2023. The current monthly P&I is $2,894.33, and the interest rate is 6.00%. The current UPB is $526,036.85. The due dates are moved from xx/xx/2023 to xx/xx/2025 as the loan was modified on xx/xx/2024. | Collections Comments:The current status is performing. <br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $526,036.85.<br> As per the comment dated xx/xx/2024, the RFD was curtailment of income. <br> As per the tape, the BWR's income was impacted by the COVID. No comments have been found regarding the FB plan.<br> As per the comment dated xx/xx/2023, the foreclosure was initiated. No comments have been found regarding the complaint filed and judgment. According to the comment dated xx/xx/2023 and the notice of trustee's sale located at "xx," the FC sale date has been scheduled for xx/xx/2023, and as per the comment dated xx/xx/2023, the sale was cancelled due to modification. The comments dated xx/xx/2024 and xx/xx/2025 show that FC was closed as the loan was modified on xx/xx/2024.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR1 has 4.50 years on the job as a xx. <br> BWR2 has 12.83 years on the job as a xx.<br>Foreclosure Comments:As per the comment dated xx/xx/2023, the foreclosure was initiated. No comments have been found regarding the complaint filed and judgment. According to the comment dated xx/xx/2023 and the notice of trustee's sale located at "xx," the FC sale date has been scheduled for xx/xx/2023, and as per the comment dated xx/xx/2023, the sale was cancelled due to modification. The comments dated xx/xx/2024 and xx/xx/2025 show that FC was closed as the loan was modified on xx/xx/2024.<br> Bankruptcy Comments:Not Applicable | The loan was modified between the BWRs and lender on 12/xx/2024. As per this modification agreement, the new principal balance is $526,036.85, and the borrower promised to pay principal and interest in the amount of $2,894.33 at a rate of 6.000% beginning on 1/xx/2025. According to this agreement, the new maturity date will be 12/xx/2064. There is no deferred or forgiven amount. | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The seller's tape defect shows "loss of income due to COVID, and the loan was modified in December 2024." As per the modification agreement located at "xx," the loan was modified on xx/xx/2024." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 76%. Tape shows AUS recommendation is ineligible and the lender was not initially able to modify due to loss of income due to COVID. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL is expired. BWR1 has 4.50 years on the job as a xx. BWR2 has 12.83 years on the job as a xx, FICO 624, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2019 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2019 reflects Points - Loan Discount Fee at $2,835.94. Initial loan estimate dated xx/xx/2019 reflects Appraisal Fee at $1,200.00. Final CD dated xx/xx/2019 reflects Appraisal Fee at $1,875.00. This is a cumulative increase in fees of +$3,510.94 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2019, and the 3-year SOL is expired."<br> \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 6.815% exceeding the APR threshold of 5.600% over by +1.215%. The subject loan is not escrowed. The subject loan originated on xx/xx/2019, and the 1-year affirmative defense period has expired."<br> \* Missing Appraisal (Lvl 2) "The appraisal report is missing from the loan documents. 1004D shows construction of the property is completed. xx search shows an estimated value at $xx. Current UPB is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.165%, as the borrower income is $7,994.51 and total expenses are in the amount of $3,530.76. AUS report is missing from the loan documents." |  | Critical | Fail | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40451132 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2214.09 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1792.87 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 758 | Not Applicable | 46.004% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active liens and judgments have been found against the borrower and subject property.<br> The annual county taxes for 2024 were paid in the amount of $2,214.09 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.87, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,792.87 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $200,162.70.<br> PH shows large transactions on Nov-2023, March-24, and April-24 in the amounts of $8000.00, $10,000.00, and $15,000.00, respectively. CCs of the same dates show these are BWR payments. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $200,162.70.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 1.58 years on the job as axx BWR has prior employment experience as an xx between xx/xx/2021 and xx/xx/2022 for 9 months. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details not provided. Elevated for client review." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Realtor search shows an estimated value at $xx. Current UPB is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved as OO at 46.00%. Tape shows property is NOO due to misrepresentation, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.58 years on the job as a xx, FICO 758, 1X30 since inception. $xx equity in subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $3,111.00. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $3,460.80. This is an increase fee in the amount of +$349.80 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is Purchase case, originated on xx/xx/2023 and the 1 year SOL is expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15945009 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $12302.34 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4870.01 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 779 | Not Applicable | 22.336% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $6,151.17 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of $6151.17 on xx/xx/2025.<br> No prior year delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first pay date is xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date as per tape is xx/xx/2025. As per the tape, the current P&I is $4,870.01, and the interest rate is 7.00%. The UPB is $732,000.00. | Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024, and the first pay date is xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date as per tape is xx/xx/2025. The UPB is $732,000.00.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 8 years on the job as a xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "Tape shows association indicates outstanding repairs that affect the safety and structural soundness are still not completed. A review of the condo association documents shows a special assessment of $xx has been approved for waterproofing, replacement of window glass, exterior wood materials and painting of exterior surfaces of the building. The engineer's certificate by a licensed professional verifying the completion of repairs and structural integrity of the condo project is missing from the loan documents." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68515705 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3782.38 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2267.41 | 5.500% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | No | 783 | Not Applicable | 33.313% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $3,782.38 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,615.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,267.41 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $275,504.36. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $275,504.36.<br> Unable to determine the occupancy of subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR has 15.5 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows that the subject loan is unsaleable due to the condo project no longer being approved by the agencies. Further details not provided. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54801534 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $86.57 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $742.76 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 808 | Not Applicable | 20.893% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first, second, and third installments of county taxes for the year 2025 have been paid in the total amount of $262.32 on different dates.<br> The fourth installment of the county taxes for the year 2025 is due in the amount of $86.57 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $820.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $742.76 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $115,377.40. | Collections Comments:The loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB, as per the payment history, is $115,377.40.<br> According to the seller's tape data, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> BWR has 3.50 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 20.89%. Tape shows asset misrepresentation. Bank statements in the file show $xx, and post-close verification of the bank account shows that BWR had $xx in total assets that do not satisfy the cash-to-close requirement of $xx. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.50 years on the job as a xx, FICO 808, 0X30 since inception, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46441850 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7458.83 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3986.23 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 769 | 796 | 31.704% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2024 were paid in the amount of $7,458.83 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is $577,150.00. The current P&I is $3,986.23 and interest rate is 7.375%. | Collections Comments:The loan is currently performing.<br> The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is $577,150.00. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> The appraisal report reflects as-is conditions. The photos addendum shows water damage on the 2nd floor siding and window trim. The estimated cost to cure is not available in the loan file. CCs do not show damage. Unable to determine whether the repairs have been completed.<br>BWR1 has 7 years on the job as a xx.<br> BWR2 has 6.41 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is, and the photo addendum shows water damage on 2nd floor siding and window trim. Estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows IPC (interested party contribution) exceeds the borrower's closing cost. The final CD reflects a seller credit of $13,747 exceeding closing costs of $11,131. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing in loan file." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22097608 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3607.05 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4470.42 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 657 | 693 | 47.843% | First | Commitment | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2024 county annual taxes were paid in the amount of $3,462.77 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,102.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,470.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $616,125.69. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape, the subject property is owner-occupied.<br>BWR1 has started a new job as an xxC.<br> Previously, borrower has 3.08 years with xx.<br> BWR2 has been SE for 4.25 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows subject loans APR exceeds threshold. The infinity compliance result shows that the loan failed the HPML test and the subject loan is escrowed. Further details not provided."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.133% exceeds APR threshold of 8.290% over by +0.843%."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) "Affiliated business disclosure is missing from loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.206% exceeds APR threshold of 7.540% over by +1.666%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.133% exceeds APR threshold of 7.540% over By +1.593%. Subject loan is escrowed.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 9.133% exceeds APR threshold of 8.290% over by +0.843%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41439294 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7897.52 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3068.29 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 760 | 721 | 49.677% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property that was originated on xx<br> The annual county taxes for 2024 were paid in the amount of $7,581.62.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,991.70 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $431,902.84. The current P&I is $3,068.29 and the interest rate is 7.625%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The unpaid principal balance is $431,902.84. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR1 has 3.83 years on the job as an xx.<br> BWR 2 has 2.25 years on the job as a xx.<br> BWR 3 has 25.16 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $14,949.00 exceed fees threshold of $12,496.06 over by +$2,452.94.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,100.00<br> Points - Loan Discount Fee paid by Borrower: $9,654.00<br> Underwriting Fee paid by Borrower: $1,195.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $14,949.00 exceed fees threshold of $12,496.06 over by +$2,452.94. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,100.00<br> Points - Loan Discount Fee paid by Borrower: $9,654.00<br> Underwriting Fee paid by Borrower: $1,195.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1 with a sales price of $xx, is closest to the subject property. Redfin search shows an estimated value of $xx. Current UPB is $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." |  |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22022043 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1384.50 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1375.02 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 646 | Not Applicable | 46.943% | First | Final policy | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $1,384.50 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,979.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,375.02 with an interest rate of 7.625%. The current UPB is $193,844.51. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,979.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,375.02 with an interest rate of 7.625%. The current UPB is $193,844.51.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied<br>BWR has 1.83 years on the job as xx.<br> Previously borrower has 3.91 years on the job as a xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is subject to the completion of the $xx repairs. The estimated cost to complete the repairs is $93,696. The final 1004D report is missing from the loan documents. The final CD reflects the escrow holdback in the amount of $127,143.70."<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD dated xx/xx/2024 reflects escrow holdback in the amount of $127,143.70. Proof for release of escrow holdback is missing from the loan documents." | \* Compliance Testing (Lvl 3) "Tape shows TRID violation. Infinity compliance result shows the loan fail TRID tolerance test. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 9.480% Exceeds APR threshold of 8.570% Over By +0.910%. Subject loan is escrowed."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan fails Prohibited Fees First Lien test.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $165.13"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Mortgage Broker Fee. CD dated xx/xx/2024 reflects Mortgage Broker Fee at $4,371.05.<br> Loan estimate dated xx/xx/2024 does not reflect Homestyle Draw Inspection fee. CD dated xx/xx/2024 reflects Homestyle Draw Inspection fee at $2,050.00.<br> Loan estimate dated xx/xx/2024 does not reflect Verification fee. CD dated xx/xx/2024 reflects Verification fee at $75.00.<br> This is a cumulative increase in fee of $6,496.05 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects Lender Credit at $1,031.31, Final CD dated xx/xx/2024 reflects Lender at $0.00 This is decrease of $1,031.31 for fee which has 0% tolerance test."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Freddie Mac public guidelines) QM APR Test due to APR calculated 9.480% Exceeds APR threshold of 8.570% Over By +0.910%."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial Escrow Account disclosure signed by borrower is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.606% exceeds APR threshold of 7.820% over by +1.786%. This loan is compliant with regulation 1026.35(b), (c) and (d). Subject loan is escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.480% Exceeds APR threshold of 7.820% Over By +1.660%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40789713 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6512.49 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1803.95 | 5.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 49.052% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> Annual county taxes for the year 2024 have been paid on xx/xx/2024 in the amount of $6,251.99.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,337.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,803.95 with an interest rate of 5.500%. The current UPB reflected as per payment history is $315,959.19. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per payment history is $315,959.19.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> No information has been found related to damage or repairs.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br>BWR has 2 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance<br> Right of Rescission | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $12,794.35 Exceed Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21<br>Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 6.457% Exceed APR threshold of 8.606% Over By -2.149%. Subject loan is escrowed. <br>Loan fails FHA QM Rebuttable Presumption Test due to Fees charged $12,794.35 Exceed Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $12,794.35 Exceeds Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21"<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan is refinanced within 12 months and is not insurable as the UW used an increased appraised value of $xx instead of using the prior sales price of $xx, creating an LTV issue. xx search shows an estimated value of $xx. Current UPB $xx."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Right of Rescission missing or unexecuted (Lvl 3) "ROR is missing from the loan documents." |  |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65924178 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6693.93 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3374.44 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 44.844% | First | Preliminary title policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found. <br> Annual county taxes for 2024-2025 (2nd installment) are due in the amount of $3,187.59. <br> Annual county taxes for 2024-2025 (1st installment) are paid in the amount of $3,506.34. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,159.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,374.44 with an interest rate of 6.625%. The current UPB is $525,597.40. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,159.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,374.44 with an interest rate of 6.625%. The current UPB is $525,597.40. <br> No foreclosure activity has been found.<br> No bankruptcy details have been found. <br> As per the tape data, the subject property is occupied by owner. <br> No evidence has been found regarding damages. <br> BWR has 6.08 years on the job as an xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect Mortgage Broker Fee. Final CD dated xx/xx/2024 reflects Mortgage Broker Fee at $7,905.00.<br> Loan estimate dated xx/xx/2024 does not reflect Appraisal Fee. Final CD dated xx/xx/2024 reflects Appraisal Fee at $700.00.<br> This is a cumulative increase in fee of $8,605.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2024 and the 1 year SOL is active.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2024. Initial CD dated xx/xx/2024 reflects lender credit at $3,998.80. Final CD dated xx/xx/2024 reflects lender credit at $3,367.53. This is decrease of +$631.27 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Subject loan is Purchase case, originated on xx/xx/2024 and the 1 year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan closed with inaccurate MI. Further details are not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55239769 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1342.49 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $309.43 | 4.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Secondary | Yes | Yes | No | 720 | Not Applicable | 31.994% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor ofxx<br> The annual county taxes for 2024 were paid in the amount of $1,342.49 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $768.58, which was applied for the due date of xx/xx/2025. The current monthly P&I is $309.43 with an interest rate of 4.250%.The current UPB reflected as per the payment history is $58,482.60.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $58,482.60.<br> The reason for the default is unable to be determined.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>BWR has 3.91 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject property is a single-wide manufactured home and not eligible for a cash-out refinance with Fannie Mae. Further details not provided."<br> \* Occupancy concerns - (Lvl 3) "The subject was approved as a second home. Tape shows the subject is primary. Further details not provided." | \* ComplianceEase TILA Test Failed (Lvl 2) "TRID total of payment disclosed on final CD as $113,751.63. Calculated total of payments is $115,917.30 for an under disclosed amount of -$2,165.67. The disclosed total of payments of $402,759.40 is not considered accurate because it is understated by more than $100. <br>Loan failed TILA finance charge test. Finance charge disclosed on final CD as $50,210.92. Calculated finance charge is $50,496.59 for an under disclosed amount of -$285.67. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 2) "The home is affixed to the land. As per appraisal report located at, xx, the subject property is a manufactured home. The affidavit of affixation document is located at xx, reflecting that the home is affixed permanently to the land with serial no. xx |  | Moderate | Not Covered | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4247583 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1850.46 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1896.89 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 749 | Not Applicable | 40.492% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of $1,850.46 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,167.08, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,896.89 with an interest rate of 7.630%. The current UPB reflected as per the payment history is $267,806.03. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,896.89 with an interest rate of 7.630%. The current UPB reflected as per the payment history is $xx<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has been SE for 5.83 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows the original appraisal was more than 1 year old and expired at closing, and the appraisal update provided was not acceptable. xx searches show an estimated value of $xx. Current UPB $xx. Further details not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80288853 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1098.01 | 6.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 732 | Not Applicable | 36.936% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of the xx<br> The taxes are to follow. | The loan origination date is xx/xx/2024, and the first pay date is xx/xx/2025. As per the review of the seller's tape data as of xx/xx/2024, the next due date is xx/xx/2025. As per the tape, the current P&I is $1,098.01, and the interest rate is 6.375%. The UPB is $176,000.00. | Collections Comments:The current status of the loan is performing.<br> The loan origination date is xx/xx/2024, and the first pay date is xx/xx/2025. As per the review of the seller's tape data as of xx/xx/2024, the next due date is xx/xx/2025. The UPB is $176,000.00.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br>BWR has 1.33 years on the job as a sales and leasing agent at xx. BWR has prior experience as a xx. between xx/xx/2021 and xx/xx/2023 for 2.41 years. Additionally, BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Dicsloures<br> Missing or error on the Rate Lock |  | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "Home loan toolkit is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $122.38." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6835645 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3680.00 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $857.09 | 11.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 775 | Not Applicable | 40.676% | Second | Short Form Policy | XX | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $3,680.00 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $3,680.00 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $857.09 which was applied for the due date of xx/xx/2025. The current monthly P&I is $857.09 with an interest rate of 11.00%. The current UPB reflected as per the payment history is $89,836.59. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx.<br> The reason for default is not available.<br> As per tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has been SE for 8.66 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed Qualified Mortgage APR Threshold Test due to an APR calculated at 11.327% exceeds APR threshold of 9.930% over by +1.397%."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount fee. CD dated xx/xx/2024 reflects Points - Loan Discount fee at $115.20. This is an increase in fee of +$115.20 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and APR test due to APR charged 11.327% Exceeds APR threshold of 9.930% Over by +1.397%."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the loan document show the appraisal report was not delivered 3 business days prior to consummation. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.381% exceeds APR threshold of 9.930% over by +1.451%. The subject loan is not escrowed as the subject is a second lien loan. <br>Loan failed CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 11.381% exceeds APR threshold of 9.930% over by +1.451%. <br>Loan failed Qualified Mortgage Safe Harbor Threshold due to an APR calculated at 11.327% exceeds APR threshold of 9.930% over by +1.397%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94913965 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $688.02 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $911.77 | 9.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 695 | Not Applicable | 49.472% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is one prior mortgage against the subject property originated on xx/xx/2013, in favor of xx<br> Combined annual taxes for the year of 2024 have been paid in the amount of $688.02 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $911.77, which was applied for the due date of xx/xx/2025. The current P&I is $911.77, and the interest rate is 9.875%. The UPB as per the payment history is $104,707.79. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB, as per the payment history, is $xx.<br> Unable to determine the RFD.<br> As per the tape data, the subject property is owner-occupied.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the foreclosure proceedings.<br> The appraisal report dated xx/xx/2024 is as is. The tape and appraisal report show a foundation crack, and the structural engineer report indicates it's not a significant structural issue. The CCs do not show damages. No evidence has been found for repairs completion.<br> BWR has been SE for 7.58 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as is. Tape and review of the appraisal report show cracks in the living area and kitchen area. Structural engineer report is available in the loan file. Elevated for client review."<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the points test due to fees charged $5,498.10 exceed fees threshold of $5,250.00 over by +$248.10. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,908.10<br> Processing Fee paid by Lender: $595.00<br> Underwriting Fee paid by Lender: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.407% exceeding the APR threshold of 8.450% by +1.957%. The subject loan is not escrowed as it originated as a second lien loan and first lien is escrowed. <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 10.407% exceeds APR threshold of 8.450% over by +1.957%." |  | Critical | Fail | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23212867 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1626.56 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4554.34 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 47.466% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 has been paid in the amount of $813.28 on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of $813.28 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2024. According to the payment history as of xx/xx/2025, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024.The current P&I is $4,554.34 with an interest rate of 7.125%. The current UPB is $676,000.00. | Collections Comments:The current status of the loan is collection.<br> According to the payment history as of xx/xx/2025, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The current UPB is $676,000.00.<br> The reason for the default is not available.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR was qualified using an offer letter as a xx. Additionally, the BWR has 6.41 years on the job as a xx.<br> .<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the loan documents show the loan was closed on xx/xx/2024, and the appraisal date was delivered on xx/xx/2024. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5218650 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | Not Applicable | Yes | Not Applicable | First |  | $0.00 | $8973.61 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $14948.18 | 8.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 722 | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The combined annual taxes for 2024 were paid in the amount of $8,973.61 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2025. The current P&I is $14,948.18, and the interest rate is 8.875%. The UPB is $1,878,750.00.<br>| Collections Comments:The current status of the loan is performing.<br> The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2025. The current P&I is $14,948.18, and the interest rate is 8.875%. The UPB is $1,878,750.00.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject loan is NOO, and the tape shows the subject cash-out loan closed at an LTV of 75 above the maximum loan size. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58310618 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $830.54 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2145.26 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 784 | Not Applicable | 38.935% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property originated on xx/xx/2024 in favor of xx<br> The annual county taxes for the year 2024 have been paid in the amount of $797.32 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,611.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,145.26 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $337,461.19. | Collections Comments:According to the payment history, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB, as per the payment history, is $337,461.19.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> According to the seller's tape data, the subject property is owner-occupied.<br> BWR has been SE serving as a xx for 9.66 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. The tape shows the subject is NOO, as the subject property was listed for rent soon after closing. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 38.93%. Tape shows subject is NOO, as the subject property was listed for rent soon after closing, causing the lender to omit BWR primary housing expense. The revised DTI is 49.61%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been xx for 9.66 years, FICO 738, 0X30 since inception, and residual income $3,612."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46323688 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3223.31 | 11/xx/2024 | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1845.60 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | Yes | 721 | Not Applicable | 26.441% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $3,223.31 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,611.40, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,845.60 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $293,674.09.<br> As per the comment dated xx/xx/2024, the payments made in the month of Nov-2024 are BWR payments. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $293,674.09.<br> The reason for default is not available.<br> As per servicing comment dated xx/xx/2025, the property is owner-occupied.<br> As per the servicing comment dated xx/xx/2023, the foreclosure was initiated in 2023 with the loan. As per the servicing comment dated xx/xx/2023, the most recent foreclosure sale date was scheduled for xx/xx/2024, which was canceled due to litigation. As per the servicing comment dated xx/xx/2024, the foreclosure case has been closed due to reinstatement. <br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the servicing comment dated xx/xx/2024, the litigation matter has been found. The matter of litigation was not mentioned in the servicing comments. No comment has been found that states the litigation has been resolved.<br> No information has been found related to damage or repairs.<br> BWR has 1.75 years on the job as xx. BWR has prior employment experience with xx between xx/xx/2019 and xx/xx/2020 for 1 year. <br> Foreclosure Comments:As per the servicing comment dated xx/xx/2023, the foreclosure was initiated in 2023 with the loan. As per the servicing comment dated xx/xx/2023, the most recent foreclosure sale date was scheduled for xx/xx/2024, which was canceled due to litigation. As per the servicing comment dated xx/xx/2024, the foreclosure case has been closed due to reinstatement. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. The tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject is OO and was approved at 26.44%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1.75 years on the job as an xx, FICO 721, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 73270125 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2710.76 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $997.80 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Primary | Yes | Yes | Yes | 809 | 791 | 42.300% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. No active judgments or liens have been found. The annual county taxes for 2024 were paid in the amount of $2,602.33 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,222.89 which was applied to the due date of xx/xx/2025. The current P&I is $997.80 with an interest rate of 4.00%. The current UPB reflected as per the payment history is $187,962.74. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $187,962.74. <br> Unable to determine the reason for default of the borrower. <br> No foreclosure activity has been found. <br> No post-close bankruptcy record has been found. <br> As per the seller's tape data, the subject property was occupied by the owner. As per the collection comment dated xx/xx/2024, the subject property was located in a FEMA disaster area. As per the disaster inspection report dated xx/xx/2024 located at "xx", the subject property was located in Hurricane xx on xx/xx/2024. The inspection report stated that no damage has been reported due to the disaster. CCs do not show any damage.<br> BWR has 18.86 years on the job as a xx, P.A. BWR2 has 5.25 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject loan did not meet the 7-year seasoning period requirement for a prior foreclosure history. Further details not provided." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow disclosure is not signed by the borrower." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68624698 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7904.00 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1840.06 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 786 | 717 | 49.436% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a credit card judgment found against the borrower in favor of xx<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $7,904.00 on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,821.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,840.06 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $405,444.82. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,840.06 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $405,444.82.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> As per servicing comment dated xx/xx/2023, the roof replacement was completed on xx/xx/2023. Further details not provided.<br> As per tape data, the property is owner-occupied.<br> BWR1 has 16.16 years on the job as a xx. <br> BWR2 receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.43%. The tape shows debt miscalculation as the lender did not include the monthly payment of other REO. The revised DTI is 49.42%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 16.16 years on the job as a xx. BWR2 receives social security and retirement income, FICO 717, 0X30 inception, and $xx equity in the subject."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure signed by borrower is missing from loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.43%, the borrower's income is $10,580.79 and total expenses are in the amount of $5,230.76 and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of 45%." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28352723 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $130.65 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1674.32 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 750 | Not Applicable | 48.692% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens and judgments were found.<br> The county taxes for 2024 (1st, 2nd, and 3rd installments) were paid in the amount of $396.53.<br> The county taxes for 2024 (4th installment) are due in the amount of $130.65, which was due on xx/xx/2025.<br> No prior year delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,838.50, which was applied on xx/xx/2025. Current P&I is $1,674.32, and the interest rate is 5.375%. The current UPB is $297,650.77. | Collections Comments:The current status of loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,838.50, which was applied on xx/xx/2025. Current P&I is $1,674.32, and the interest rate is 5.375%. The current UPB is $297,650.77.<br> No evidence has been found regarding damages.<br> No information has been found regarding BK and FC.<br> Unable to determine the current occupancy of the subject property.<br> BWR has 4.85 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "The initial escrow account disclosure is not signed by the borrower."<br> \* Loan program disclosure missing or unexecuted (Lvl 3) "The tape shows verified assets were insufficient to close due to ineligible gift funds of $xx from the selling agent. Bank statements in the file show $xx; gift assets verified of $xx supported by a gift letter satisfy the cash-to-close requirement of $xx at closing." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7913331 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wyoming | xx | xx | xx | Wyoming | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5388.23 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3952.09 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 30.178% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st installment of combined taxes for 2024 was paid in the total amount of $2,694.12 on xx/xx/2024.<br> The 2nd installment of combined taxes for 2024 is due in the total amount of $2,694.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2024 and the first payment date was xx/xx/2025. As per the review of tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is $601,600.00. | Collections Comments:The current status of the loan is performing.<br> As per the review of tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is $601,600.00.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has been SE for 7.5 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows violation of loan originator activities as a portion of broker compensation was paid by the lender of $72.00. Infinity compliance result shows the loan failed the dual broker compensation test. Further details not provided."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed the Dual Broker Compensation Test as the loan has borrower-paid broker compensation of $11,960.00 and broker compensation paid by lender of $72.00. This loan contains compensation to the broker from both the borrower and lender for loan origination activities." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54708257 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Utah | xx | xx | xx | Utah | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1986.29 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2407.54 | 5.740% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 625 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The combined annual taxes for 2024 were paid in the amount of $1,986.29 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,695.41, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,407.54 with an interest rate of 5.740%. The current UPB reflected as per the payment history is $411,259.47. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $411,259.47.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comments dated xx/xx/2024, the subject property is owner-occupied.<br>Employment details are not available. The subject loan was approved as a streamline refinance.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Subject loan is a VA IRRRL streamline refinance loan closed with 97% LTV that exceeds the max LTV guideline. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "The VA certificate is missing from the loan documents." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed complianceEase delivery and timing test for revised CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the closing date of xx/xx/2024.<br>Loan fails loan origination fee test due to fees charged $4,042.00 exceeds fees threshold of $4,016.73 by +$25.27. The below fee was included in the test: Loan Origination Fee paid by Borrower: $4,042.00" |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80566423 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2679.88 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1048.46 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 731 | Not Applicable | 49.557% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for the year 2024 have been paid in the amount of $2,679.88.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,425.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,048.46 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $157,800.73. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $157,800.73.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a xx. Previously, BWR had 6 months on the job as a xx at xx, and prior to that, BWR was a xx with the xx between xx/xx/2020 and xx/xx/2022 for 2.91 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 does not reflect Mortgage Broker Fee. Final CD dated xx/xx/2024 reflects Mortgage Broker Fee at $4,389.00. This is an increase in fee of +$4,389.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) "Initial escrow account disclosure signed by the borrower is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.55%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 7 months on the job as a xx, FICO 711, 0X30 since inception, and $xx equity in the subject."<br> \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $2,904.93." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17175362 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $755.70 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1644.07 | 5.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 681 | Not Applicable | 44.944% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property that was originated on xx<br> There is a junior mortgage against the subject property that was originated on xx<br> The first installment of county taxes for 2024/2025 was paid in the amount of $377.85.<br> The second installment of county taxes for 2024/2025 is due in the amount of $377.85 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,071.82 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $285,294.68. The current P&I is $1,644.07 and the interest rate is 5.625%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The unpaid principal balance is $285,294.68. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 5.91 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Hazard Insurance<br> Initial 1003_Application | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $10,065.00 Exceeds Fees threshold of $8,236.95 Over by +$1,828.05. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $250.00<br> Mortgage Broker Fee paid by Borrower: $6,426.00<br> Points - Loan Discount Fee paid by Borrower: $1,794.00<br> Processing Fee paid by Borrower: $500.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $10,065.00 Exceeds Fees threshold of $8,236.95 Over by +$1,828.05. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $250.00<br> Mortgage Broker Fee paid by Borrower: $6,426.00<br> Points - Loan Discount Fee paid by Borrower: $1,794.00<br> Processing Fee paid by Borrower: $500.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan officer's license was expired at the time of application and subsequently renewed at the time of closing. Further details not provided."<br> \* Missing Initial 1003_Application (Lvl 3) "Initial 1003 signed by loan originator is missing from the loan files."<br> \* Missing proof of hazard insurance (Lvl 3) "Hazard insurance certificate is missing from the loan file." |  |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75794967 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | South Carolina | xx | xx | xx | South Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $478.56 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1164.18 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 759 | Not Applicable | 21.089% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There are five state tax liens found against the borrower in favor of the xx<br> The combined annual taxes of the year for 2024 are paid in the amount of $478.56 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,691.43 which was applied for the due date of xx/xx/2025. The current P&I is $1,164.18 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $161,372.65‬. | Collections Comments:The current status of the loan is in performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $161,372.65‬.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has been SE for 6.08 years at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan is NOO and was approved at 21.08%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 6.08 years at xx, FICO 759, 0X30 since inception, and $xx equity in the subject. BWR qualified with $xx plus annual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 13604611 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3672.51 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2196.35 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 790 | 771 | 49.470% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2024-25 was paid in the amount of $1,836.26 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-25 is due in the amount of $1,836.25 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,708.19, which was applied for the due date of xx/xx/2025. The current P&I is $2,196.35 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $316,022.04. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $316,022.04.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWR1 has 8 months on the job as a xx. Previously, BWR1 received disability income from xx/xx/2020 to xx/xx/2023 for 2.5 years and was a xx for 2.83 years from xx/xx/2018 to xx/xx/2020. BWR2 has 4.91 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial 1003_Application | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 49.47%. Tape shows income miscalculation and revised DTI exceeds 50%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 8 months on the job as a xx BWR2 has 4.91 years on the job as xx with xx, FICO 771, 0X30 since inception, and $xx equity in the subject." | \* Missing Initial 1003_Application (Lvl 3) "Initial 1003 signed by loan originator is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53602025 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4018.78 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2034.93 | 6.490% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | 623 | 38.919% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the total amount of $2,009.39 on xx/xx/2025.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $2,009.39 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,570.27 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,034.93 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $230,641.98. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected is $230,641.98.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has 1.58 years on the job as a registered xx with xx. BWR1 has prior employment experience as a registered xx student with xx University between xx/xx/2018 and xx/xx/2022 for 3.66 years. BWR2 has 1.91 years on the job as a xx with xx. BWR2 has prior employment experience as a txx with xx between xx/xx/2018 and xx/xx/2022 for 4 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32171506 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $2.00 | $5645.44 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1203.78 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 737 | 656 | 44.359% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property that was originated on xx<br> There are two real tax liens in favor of xx. The subject property address is not mentioned in both supporting documents. The defendant's middle name mentioned in the supporting document is inconsistent with the subject borrower's middle name.<br> There is a municipal lien in favor of the xx. The subject property address is not mentioned in the supporting document.<br> The first installment of county taxes for 2024 was paid in the amount of $2,822.72 on xx/xx/2025.<br> The second installment of county taxes for 2024 is due in the amount of $2,822.72 on xx/xx/2025.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received date. The current P&I is $1,203.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $186,819.55. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $186,819.55. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR1 has 1.25 years on the job as a xx 351. BWR has prior experience as a xx at xx between 0201/2021 and xx/xx/2023 for 3 years. <br> BWR2 has 1.5 years on the job as a xx. BWR2 has prior employment experience as a xx between xx/xx/2022 and xx/xx/2022 for 2.5 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 44.35%. The tape shows an increase in BWR1 fluctuating income is not supported. Lender defect. Review shows paystubs in file support lender calculation. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1.25 years on the job as a xx, and BWR2 has 1.5 years on the job as a xx, FICO 656, 0X30 since inception, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62649904 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $2581.66 | $5163.32 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1576.10 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 698 | 648 | 40.691% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first and second installments of county taxes for 2023 were paid in the amount of $7,760.26.<br> The first installment of county taxes for 2024 is delinquent in the amount of $2,581.66 with the good-through date of xx/xx/2025.<br> The second installment of county taxes for 2024 is due on xx/xx/2025 in the amount of $2,581.66. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,190.27 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,576.10, and the interest rate is 6.875%. The current UPB is $239,311.86. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,190.27 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,576.10, and the interest rate is 6.875%. The current UPB is $239,311.86.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status.<br>The borrower has been SE for 4.75 years with xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 reflects Points—Loan Discount Fee at $7,058.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $7,351.15. This is an increase in fee of +$293.15 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,116.15 exceeding the fees threshold of $6,898.26, over by +$2,217.89.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,351.15<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $995.00<br> Validation Services Fee paid by Borrower: $175.00<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $9,116.15 exceeding fees threshold of $6,898.26 over by +$2,217.89. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,351.15<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $995.00<br> Validation Services Fee paid by Borrower: $175.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan lost AUS approval and is not eligible for delivery to Fannie Mae after the number of units submitted in the AUS and UCDP was changed from 1 unit to 2 unit property. Further details are not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86261172 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Missouri | xx | xx | xx | Missouri | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3118.07 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1727.25 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 751 | Not Applicable | 47.702% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a prior mortgage against the subject property that was originated on xx."<br> There is a junior mortgage against the subject property that was originated on xx<br> The annual county taxes for 2024 were paid in the amount of $3,118.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,291.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,727.25 with an interest rate of 6.000%. The current UPB is $287,803.20. | Collections Comments:The current status is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,291.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,727.25 with an interest rate of 6.000%. The current UPB is $287,803.20.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 8.83 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "Loan failed state regulations for the prohibited fees first lien test.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $750.00<br> Processing Fee paid by Borrower: $350.00."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53967757 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $876.82 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1420.73 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 739 | Not Applicable | 35.891% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. There is one junior mortgage against the subject property, originated on xx/xx/2024 in favor of the xx. Annual county taxes for 2024 were paid in the amount of $876.82 on xx/xx/2024. Annual city taxes for 2024 were paid in the amount of $544.71 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,732.64, which applied to the due date of xx/xx/2025. The current P&I is $1,420.73 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $224,162.09. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $224,162.09. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has 10.08 years on the job as a xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase State Regulations Test Failed (Lvl 3) "This loan failed under state regulations for the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. This is not a high cost fail."<br> \* Loan does not conform to program guidelines (Lvl 3) "As per tape, after further review of this payment history by the Investor, the multiple returned payments due to non-sufficient funds and the age of this loan rendered this loan is ineligible for purchase. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $224,162.09." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $1,952.95" |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32956785 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Minnesota | xx | xx | xx | Minnesota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4398.14 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2138.45 | 6.250% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 750 | 661 | 35.764% | First | Short Form Policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is a junior mortgage against the subject property originated on xx/xx/2024 in favor ofxx<br> The first and second installments of county taxes for 2025 have been due in the amount of $4,398.14 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,806.72 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $2,138.45 with an interest rate of 6.250%. The current UPB reflected as per the payment history $346,316.21. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $346,316.21.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> As per tape data, the subject property is owner-occupied.<br> No damage or repairs have been found.<br>BWR1 has 2.5 years on the job as a xx. <br> BWR2 has 1.9 years on the job as a xx BWR2 had prior employment experience as a xx at xx between xx/xx/2021 and xx/xx/2022 for 1.9 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure | xx | 3: Curable |  | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) "Compliance ease TRID tolerance test is incomplete due to Initial CD is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial closing disclosure is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40690912 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Maine | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $847.57 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $506.90 | 9.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 780 | 801 | 45.498% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $618.73 on xx/xx/2024.<br> The 2024 city annual taxes were paid in the amount of $228.84 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $613.80, which was applied for the due date of xx/xx/2025. The current monthly P&I is $506.90 with an interest rate of 9.75%. The current UPB reflected as per the payment history is $58,972.48. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $58,972.48.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has been SE for 8.33 years at xx. Additionally, BWR1 receives social security and other income. <br> BWR2 has 18.25 years on the job as a copy center xx with xx. Additionally, BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape shows subject condo project is not warrantable to GSE standards. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed qualified mortgage safe harbor threshold test due to APR calculated 10.248% exceeds APR threshold of 8.230% over by +2.018%. Subject loan is escrowed." |  | Elevated | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46470277 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4413.57 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2592.06 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 801 | 801 | 31.387% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 are paid in the amount of $4,413.57 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,052.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,592.06 with an interest rate of 6.99%. The current UPB is $387,384.66. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $387,384.66.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> No comment pertaining to damage to the subject property has been observed.<br> According to the seller's tape data, the subject property is owner-occupied.<br> BWR has 10 years on the job as a xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) "The tape shows the subject property is ineligible as the condo questionnaire reflects special assessments of $xx for roof repairs and common area window replacements. The final inspection report confirming the completion of repairs is missing from the loan file." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB $xx." | \* ComplianceEase TILA Test Failed (Lvl 2) "The loan failed TILA finance charge test as the finance charge disclosed on final CD as $545,337.45. Calculated finance charge is $546,232.20 for an under disclosed amount of -$894.75. The subject loan is purchase transaction originated on xx/xx/2024, and the 1-year TILA/TRID SOL is active.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17313957 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1829.44 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 713 | Not Applicable | 42.945% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The taxes are to follow. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,334.82, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,829.44 with an interest rate of 6.125%. The current UPB is $299,609.80. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $299,609.80.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the property is owner-occupied.<br> BWR has 2 months on the job as a xx. Additionally, BWR has 12.32 years of total experience as a xx with multiple employers and has been SE for 6.50 years at xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31987780 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | Maryland | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $7348.14 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4713.41 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 811 | 809 | 49.872% | First | Final policy | Not Applicable | Not Applicable | 08/xx/2024 | $375333.03 | Not Applicable | 7.500% | $2617.64 | 09/xx/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $3,674.07 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the amount of $3,674.07 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,346.76 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,617.64 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $371,511.28. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $371,511.28.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> The recast loan modification agreement was made on xx/xx/2024. <br> As per the tape data, the subject property is owner-occupied.<br> No information has been found related to damage or repairs.<br> BWR1 receives SSI and pension income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The recast modification agreement signed between the borrower xx shows the new modified unpaid principal balance is $375,330.03. The borrower agreed to pay the modified monthly P&I of $2,617.64 with an interest rate of 7.500% starting on 09/xx/2024 and continuing until the maturity date of 03/xx/2054. |  | xx | 3: Curable |  | \* Property is Manufactured Housing (Lvl 3) "The home is affixed to the land. As per appraisal report located at, xx, the subject property is a manufactured home. The affidavit of affixation document located at xx reflects that the home is affixed with permanently to the land with serial no. # xx. Schedule B of the final policy, which is located at xx shows exception for the notice of manufactured housing unit or commercial coach, installed on a permanent foundation system recorded on xx/xx/2011 with instrument #xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.87%. Tape shows rental income miscalculation and undisclosed debt. The revised DTI is 60%. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR did a recast mod with lender and paid $xx in principal. BWR 1 receives SSI and pension income, FICO 809. 0X30 since inception, $xx equity in the subject, and residual income $4,185."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect HUD Label / Certification. CD dated xx/xx/2024 reflects HUD Label / Certification at $175.00. This is an increase in fee of +$175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79310651 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $13876.82 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4804.81 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 755 | Not Applicable | 47.521% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of $13,321.75 on xx/xx/2024.<br> The water charges have been due in the amount of $243.92 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,145.42, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,804.81 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $724,119.11. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $724,119.11.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has been at SE for 9 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 44.52%. Tape shows the subject is NOO, as the BWR never left the departure REO causing the lender to omit BWR primary housing expense. Revised DTI is 68.05%. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been at SE for 9 years at xx, FICO 755, 0X30 since inception, and $xx equity in the subject."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TRID total of payment disclosed on final CD as $1,780,835.94. Calculated total of payments is $1,781,079.34 for an under disclosed amount of -$243.40.<br>Subject loan is a purchase, originated on 0xx/xx/2024 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that are in total cannot increase more than 10% tolerance test. Initial CD dated xx/xx/2024 reflects the sum of survey fee and recording fee at $660.00. CD dated xx/xx/2024 reflects the sum of recording fee and insurance premium at $9,101.00. This is a cumulative increase of $8,815.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on 0xx/xx/2024 and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77584712 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | No | Not Applicable | First |  | $0.00 | $6261.69 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1462.48 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 780 | Not Applicable | 23.803% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx<br> No active judgments and lines have been found.<br> The installments of the county tax for 2024 were paid on xx/xx/2024 in the total amount of $6,261.69.<br> The water delinquent charges for 2025 are delinquent in the total amount of $415.26, which are good through xx/xx/2025.<br>| As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,952.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,462.48 with an interest rate of 7.50%.The current UPB is $207,890.65. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $207,890.65.<br> No evidence has been found regarding the current foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> The borrower has been SE for 5.33 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as is. Tape and photo addendum show cracks in the concrete block basement wall. The engineer inspection report verifying the structural integrity of the subject property is missing from the loan documents. The cost of the cure is not provided." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42910196 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $22737.36 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5578.27 | 2.750% | 180 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Secondary | Yes | Yes | No | 801 | Not Applicable | 36.834% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> The first installment of county taxes for 2024-2025 is paid in the amount of $11,368.68 on xx/xx/2024.<br> The second installment of county taxes for 2024-2025 is due in the amount of $11,368.68 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The last payment was received on xx/xx/2025, in the amount of $5,578.27, which was applied for the due date of xx/xx/2025. The current P&I is $5,578.27 with an interest rate of 2.750%. The current UPB is $647,082.59. | Collections Comments:The current status is performing. <br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $647,082.59.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been SE for 12.25 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject condo project is ineligible, and a review of the appraisal report shows the subject property is a condotel. The subject is a unit in the xx. Further details not provided. xx search shows an estimated value of $xxM. Current UPB is $xx."<br> \* Occupancy concerns - (Lvl 3) "Subject approved as second home. BWR lives and works in the xx area. Subject condo in downtown xx is more likely an NOO." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Not Covered | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22815598 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9307.16 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1781.65 | 3.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 756 | 756 | 44.858% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for the year 2024/2025 has been paid in the amount of $4,653.58 on xx/xx/2024.<br> The second installment of county taxes for the year 2024/2025 is due in the amount of $4,653.58 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,561.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,781.65 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $377,654.81. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $377,654.81.<br> As per the tape data, the subject property is owner-occupied.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 25.66 years on the job as a xxx with xx. <br> BWR2 has 25.83 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.858%, as the borrower income is $2,946.66 and total expenses are in the amount of $2,789.74 and the loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of 44.858%." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 70312607 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $15851.02 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3850.31 | 7.657% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | High Rise Condo (>=9 Stories) | xx | xx | Investor | Yes | Yes | No | 730 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> For Parcel xx<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of $10,036.99 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024/2025 is due in the total amount of $5,520.34 on xx/xx/2025.<br> For Parcel # xx<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of $5,020.73 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024/2025 is due in the total amount of $2,761.40 on xx/xx/2025.<br> For Parcel # xx<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of $793.30 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024/2025 is due in the total amount of $436.32 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,368.61, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,850.31 with an interest rate of 7.657%. The current UPB as per the tape data is $534,008.92. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per the tape data is $534,008.92.<br> As per the servicing comment dated xx/xx/2024, the reason for default is curtailment of income.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matters.<br> According to servicing comments dated xx/xx/2024, the subject property was damaged. No details are available regarding the estimated repair cost.<br> As per the servicing comment dated xx/xx/2024, the subject property is tenant-occupied.<br>BWR employment details are not available. Subject loan is NOO and was approved using DSCR. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Condo/PUD Rider | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The seller's tape data shows previously D30. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per the tape data is xx2." | \* Condo / PUD rider Missing (Lvl 2) "The condominium rider is missing from the loan files." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21540138 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2958.90 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2049.00 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 752 | Not Applicable | 29.319% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024-2025 was paid in the amount of $1479.45 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024-2025 is due in the amount of $1,479.45 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,512.91, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,049.00 with an interest rate of 6.630%. The current UPB reflected as per the payment history is $319,217.67. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $319,217.67.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> BWR has 7 months on the job as an xx. BWR has prior employment experience as an xx with xx between xx/xx/2021 and xx/xx/2024 for 3 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The subject property is a single-wide manufactured home and not eligible for a cash-out refinance with Fannie Mae. Further details not provided." | \* Property is Manufactured Housing (Lvl 2) "Home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The manufactured home rider and affidavit of affixation are attached with the recorded mortgage located at "xx," which states that the manufactured home with Serial PER040578CAAC has been affixed to the permanent foundation." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39908572 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6650.38 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2150.46 | 5.990% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mid Rise Condo (5-8 Stories) | xx | xx | Primary | Yes | Yes | No | 680 | Not Applicable | 34.593% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated onxx<br> No active judgments and lines have been found.<br> The annual county taxes for 2024 were paid on xx/xx/2024 in the amount of $6,384.36.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,721.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,150.46 with an interest rate of 5.990%. The current UPB is $252,354.08. | Collections Comments:The current status is performing. <br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $252,354.08.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 34.59%. Tape shows pension income was not supported and HOA payment calculation was incorrect. The revised DTI is 69.49%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives retirement income, FICO 680, 0X30 since inception, $xx equity in the subject, and $3,661 residual income." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock provided expired on xx/xx/2024, and the loan closed on xx/xx/2024. No lock extension found." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51303575 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5218.96 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2133.38 | 7.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 619 | Not Applicable | 45.744% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $5,218.96.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,891.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,133.38 with an interest rate of 7.125%. The current UPB is $310,382.74. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $310,382.74.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 10.83 years on the job as xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Credit Technology and Verification Fee. PCCD dated xx/xx/2024 reflects Credit Technology and Verification Fee at $50.00. This is an increase in fee of +$50.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "The subject loan was approved at 45.74%. Tape shows the subject loan is not salable to the FHA as the AUS recommendation is refer, and the loan does not qualify for manual UW due to a front-end DTI of 44.51%. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.934% exceeds APR threshold of 7.820% over by +0.114%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.861% Exceeds APR threshold of 7.820% Over By +0.041%. Subject loan is escrowed." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31425613 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $84264.89 | $20508.30 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4316.24 | 3.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 691 | Not Applicable | 43.730% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/2025 is delinquent in the total amount of $11,279.56 which was due on xx/xx/2024 and good through xx/xx/2025.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of $10,254.15, which was due on xx/xx/2025.<br> The annual county taxes for 2021, 2022, and 2023 and supplemental were delinquent in the amount of $72,985.33, which was good through xx/xx/2025. The total delinquent tax amount is more than 4% of the loan amount of $932,000.00. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,576.9, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,316.24 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $868,256.67. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $4,316.24 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $868,256.67.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> BWR has 3.58 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.73%, as the borrower's income is $12,333.00 and total expenses are in the amount of $7,670.60, and the loan was manually underwritten." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44732671 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1828.11 | 12/xx/2024 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $979.66 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 696 | Not Applicable | 49.786% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active junior mortgage against the subject property in favor of xx. <br> There is a prior state tax lien found against the borrower in favor of the xx.<br> There is a prior civil found against the borrower in favor of xx<br> The 1st and 2nd installments of county taxes for 2023/2024 were paid in the total amount of $3,323.83 on xx/xx/2024 and xx/xx/2024.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of $1,828.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,333.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $979.66 with an interest rate of 7.00%. The current UPB reflected as per the payment history is $147,007.89. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $147,007.89.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br> BWR has 5.66 years on the job as an xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Rate Lock Extension Fee. CD dated xx/xx/2024 reflects Rate Lock Extension Fee at $736.26. This is an increase in fee of +$736.26 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows IPC (interested party contribution) exceeded 3% limit over by $350. The final CD reflects a seller credit of $xx and LTV ineligible with sales price inducement. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22856104 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8649.55 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4654.30 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 773 | 755 | 44.954% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2025 was paid in the amount of $4,324.80 on xx/xx/2024.<br> The second installment of county taxes for 2025 was paid in the amount of $4,324.75 on xx/xx/2024.<br> The annual utilities/MUD taxes for 2025 were paid in the amount of $148.50 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,654.30, which was applied to the due date of xx/xx/2025. The current P&I is $4,654.30 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $763,755.05. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $763,755.05.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR1 and BWR2 receive SSI and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 44.95%. Tape shows pension income is not supported. The revised DTI is 58.42%. Further details not provided. Lender effect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 receive SSI and retirement income, FICO 755, 0X30 since inception, $1.2M equity in the subject, and residual income $6,453." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "TILA Finance charge disclosed on Final CD as $913,015.26. Calculated finance charge is $914,456.76 for an under disclosed amount of -$1,441.50.<br>Loan failed TILA Foreclosure Rescission Finance charge of $913,015.26 exceeds Disclosed Finance charge of $914,421.76 over by -$1,406.50.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $180.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $159.50. This is a cumulative increase of +$20.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Transfer Taxes at $714.00. CD dated xx/xx/2024 reflects Transfer Taxes at $1,225.00. This is an increase in fee of $511.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 38848892 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9070.21 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5304.71 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 791 | 783 | 49.825% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st, 2nd, and 3rd installments of town taxes for 2025 were paid in the total amount of $6,609.78 on xx/xx/2024, xx/xx/2024, and xx/xx/2025.<br> The 4th installment of town taxes for 2025 is due in the amount of $2,460.43 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,820.82, which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,304.71 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $799,820.04. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is $799,820.04.<br> No evidence has been found regarding the current or prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape, the property is owner-occupied.<br>BWR has 15.58 years on the job as a xx. <br> BWR2 has 5.66 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape shows the subject loan does not meet FNMA zoning compliance requirements. The appraisal report shows the subject property's zoning is legal non-conforming. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 49.83%. Review shows lender miscalculated BWR2 income and the revised DTI is 53.33%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 15.5 years on the job as a xx. BWR2 has 10.2 years on the job as a xx, FICO 783, $42.5K equity in the subject, 0X30 since inception and residual income $6,749." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67869108 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10968.89 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3607.93 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx. There is a credit card judgment found against the borrower in favor of xx. The annual county taxes for 2024 were paid in the amount of $10,530.13 on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,788.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,607.93 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $470,682.69. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $470,682.69.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> Unable to determine the occupancy of the subject property.<br> Unable to determine the reason for the default<br> No foreclosure activity has been found.<br> Subject loan is NOO and was approved using DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "Net operative income is $47,760.00 and annual payments (debt service) are $54,320.16, and the debt service cover ratio (DSCR) is 0.88."<br> \* Loan program disclosure missing or unexecuted (Lvl 3) "As per the seller tape data, there is tape defect for early payment default due to ACH issue. The loan is current now. As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $3,607.93 and interest rate is 8.375%. As per seller tape data, the current UPB is $xx which is same as the original principal balance." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15285089 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6155.92 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $778.32 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 697 | Not Applicable | 49.351% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens have been found.<br> The annual city and county taxes for 2024 were paid in the amount of $6,130.48.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,103.19 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $778.32, and the interest rate is 6.750%. The current UPB is $118,637.89. | Collections Comments:The current status is collection. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,103.19 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $778.32, and the interest rate is 6.750%. The current UPB is $118,637.89.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been SE for 4.08 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the LO of the subject loan is on Freddie Mac's exclusionary list. Further details not provided. Review shows ATR confirmed. Value supported at $xx. UPB $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22761917 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3042.16 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1024.20 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 718 | Not Applicable | 45.473% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx.' No active judgments or liens were found. The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of $3,042.16 on xx/xx/2024 and xx/xx/2025. No prior year's delinquent taxes have been found. | As per the tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received in the amount of $1,508.51 on xx/xx/2025 which was applied on xx/xx/2025. The current P&I is $1,024.20, and the interest rate is 6.63%. The current UPB is $157,791.60. | Collections Comments:The current status of the loan is performing.<br> As per the tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is $157,791.60.<br> No evidence has been found regarding the current/prior foreclosure proceedings. <br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination. <br> No information has been found related to damage or repairs.<br> As per the tape, the subject property has been occupied by the owner. <br> BWR has 2.75 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as is. The appraisal report and tape show the bathroom has missing drywall, flooring, and cracked blocks in the basement; the bathroom is in the process of remodeling. The BWR does not intend to finish the remodel until spring 2025. The estimated cost to cure is $xx. 1004D report is missing from the loan documents. Final CD does not reflect the escrow holdback amount. xx search shows an estimated value of $xx. Current UPB $xx." | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97281081 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $25480.61 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4012.68 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 41.824% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated onxx<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of $17,353.18 on xx/xx/2024.<br> The 2024 LID#17 other annual taxes were paid in the amount of $4,853.88 on xx/xx/2024.<br> The 2024 MUD#139 annual charges were paid in the amount of $3,273.55 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,012.68, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,012.68 with an interest rate of 5.99%. The current UPB reflected as per the payment history is $667,985.19. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $667,985.19.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br>BWR is employed by the lender and has 3.41 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 41.84%. Tape shows income miscalculation. Further details not provided. The revised DTI is 56.72%. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR is employed by the lender and has 3.41 years on the job as a xx, FICO 733, $xx equity in the subject, and $5,050 residual income.<br>Downgraded to LVL2 as per PH." |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87485802 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5042.56 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2133.23 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 48.623% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The annual combined taxes for 2025 are due in the amount of $5,042.56 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,797.78 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,133.23 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $336,888.14. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $336,888.14.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 6.83 years on the job as axx. Additionally, BWR receives pension income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. The tape shows the property is NOO due to misrepresentation. BWR works in xx TX, and the subject is in xx, LA. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 48.62%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6.83 years on the job as a xx. Additionally, BWR receives pension income, FICO 781, and $xx equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90081497 | xx | xx |  | XX | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Louisiana | xx | xx | xx | Louisiana | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3396.10 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1627.03 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | Yes | 732 | Not Applicable | 49.627% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was recorded on xx/xx/2012 in the amount of $81,476.00 with xx<br> The annual combined taxes for the year 2025 have been paid in the amount of $3,396.10 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,757.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,627.03 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $241,306.88. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $241,306.88.<br> No details pertaining to the damage to the subject property have been observed.<br> Unable to determine the current condition and occupancy of the subject property.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has been SE for 14.58 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #2 with a sales price of $xx is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51332118 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Maryland | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4661.78 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2428.99 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 704 | 730 | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> There is an active prior mortgage against the subject property in favor of xx<br> The annual county taxes for 2024 were paid in the amount of $5,025.86 on xx/xx/2025.<br> The annual utilities/MUD taxes for 2025 have been delinquent in the amount of $1,771.65 which were good through xx/xx/2025. | As per the review of seller's tape data as of xx/xx/2025, the loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. As per tape next due date is xx/xx/2025, the current P&I is $2,428.99 and interest rate is 6.875%. The UPB is $369,750.00. | Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2025, the loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. The UPB is $$369,750.00.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the property occupancy is non-owner occupied. <br> No details pertaining to the damage to the subject property have been observed.<br> BWR employment details are not available. The subject loan is NOO and was approved using DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95932408 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Idaho | xx | xx | xx | Idaho | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1436.22 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3527.84 | 10.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 767 | 713 | 36.664% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 2024 county annual taxes were paid in the amount of $1,436.22 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 and first payment date is xx/xx/2025. According to the tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly interest rate is 10.000%. The current UPB is $402,000.00. | Collections Comments:The current status of the loan is performing.<br> According to the tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current UPB is $402,000.00.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No evidence has been found regarding litigation and contested matter.<br> No information has been found related to damage or repairs.<br>BWR has been SE for 13 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWR1 residency documents are missing. The subject is an ITIN loan, and BWR is a permanent resident alien. Review of the file shows the ITIN letter and passport are available. Review shows ATR confirmed. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.210 exceeds APR threshold of 8.400% over by +1.810%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14732409 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $9350.24 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6790.04 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 715 | Not Applicable | 38.519% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the amount of $4,675.13 on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of $4,675.11 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,324.00 which was applied for the due date of xx/xx/2025.The current monthly P&I is $6,790.04 with an interest rate of 7.990%. The current UPB is $924,368.57. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,324.00 which was applied for the due date of xx/xx/2025.The current monthly P&I is $6,790.04 with an interest rate of 7.990%. The current UPB is $924,368.57.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the tape data, the property is owner-occupied.<br> BWR has been SE for 5.66 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to adjusted sales price ($xx) of comparable #2. xx search shows an estimated value of $xx. Current UPB is $xx." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.652% exceeds APR threshold of 7.860% over by +0.792%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 8.652% exceeds APR threshold of 7.860% over by +0.792%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96440105 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Maryland | xx | xx | xx | Maryland | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4928.20 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1868.59 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 765 | Not Applicable | 43.993% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx<br> No active judgments and lines have been found.<br> The annual county taxes for 2025 were paid on xx/xx/2024 in the amount of $4,928.20.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment in the amount of $2,374.02, was applied to the due date of xx/xx/2025. Unable to determine the last payment received date. The current P&I is $1,868.59 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $310,745.90. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $310,745.90.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has 5.75 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) |  | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 43.99%. Tape shows that the loan was approved while the BWR was on leave and the lender could not verify the BWR was back to work. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5.75 years on the job as a xx with xx, 0X30 since inception, and $xx equity in the subject." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2024 reflects Transfer Taxes at $733.00. Final closing disclosure dated xx/xx/2024 reflects Transfer Taxes at $888.89. This is an increase in fee of +$155.89 for charges that cannot increase. A valid COC for the increase in fee is available. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79860356 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2525.75 | 01/xx/2025 | Unavailable | No | Bankruptcy Filing | Chapter 13 | xx | Not Applicable | Not Applicable | xx | Not Applicable | $688.24 | 6.250% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 640 | Not Applicable | 40.365% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx<br> No active liens and judgments have been found. <br> The first and second installments of combined taxes for 2024 were paid in the amount of $2,525.75.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,200.00, which was applied to the due date of xx/xx/2025. The current P&I is $688.24 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $68,067.10. | Collections Comments:As per the review of the servicing comments, the current status of the loan is bankruptcy. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $68,067.10.<br> Unable to determine the RFD.<br> As per the review of the servicing comments, the foreclosure was initiated in 2024. As per the collection comment dated xx/xx/2024, the foreclosure sale date was scheduled for xx/xx/2024. The foreclosure file was put on hold due to bankruptcy on xx/xx/2024.<br> According to the PACER report, the borrower "xx" filed for bankruptcy under Chapter 13 with case #xx, and the plan was confirmed on xx/xx/2025. The BK is active. <br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage.<br>Foreclosure Comments:As per the review of the servicing comments, the foreclosure was initiated in 2024. As per the collection comment dated xx/xx/2024, the foreclosure sale date was scheduled for xx/xx/2024. The foreclosure file was put on hold due to bankruptcy on xx/xx/2024.<br> Bankruptcy Comments:According to the PACER report, the borrower "xx" filed for bankruptcy under Chapter 13 with case xx, and the plan was confirmed on xx/xx/2025. The Schedule-D in Voluntary petition shows the amount of claim without deducting the collateral value xx and the value of the collateral is xx. The POC was filed by the creditor xx with the POC amount of xx and the amount of arrearage is xx. As per the order confirming the chapter 13 plan, the debtor was supposed to pay to the trustee in the amount of xx for the period of 36 months. The BK is active. | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase TILA Test Failed (Lvl 2) "Loan failed TILA Finance Charge test due to calculated finance charge of $145,474.63 exceeds disclosed finance charge of $149,840.50 for an under disclosed amount of -$4,365.87."<br> \* MI, FHA or MIC missing and required (Lvl 2) "Mortgage insurance certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Fail | No Result | Pass | Pass | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50465257 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7328.54 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $402.31 | 9.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 782 | 797 | 49.622% | Second | Commitment | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with the lender "xx," which was recorded on xx/xx/2024.<br> There is a prior mortgage against the subject property that was originated on xx and recorded on xx in the amount of xx with the lender "xx.".<br> The first installment of county taxes for 2024-2025 is paid on xx/xx/2024 in the amount of xx.<br> The second installment of county taxes for 2024-2025 is due on xx/xx/2025 in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $402.31 and was applied to the due date of xx/xx/2025. The monthly P&I is $402.31, and the interest rate is 9.00%. The current UPB is xx. | Collections Comments:The current status is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR1 has been SE for 17.75 years at xx<br> BWR2 has been SE for 27.75 years at xx<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Origination Appraisal | xx | 4: Unacceptable | \* ComplianceEase State/Local Predatory Test Failed (Lvl 4) "Loan fails CA Covered Loan Points and Fees Threshold Test due to fees charged $2,908.00 exceeds fees threshold of $2,814.42 over by +$93.58. <br> No liability is imposed on assignee (no assignee liability).<br>The below fees were included in the test:<br> Administration Fee paid by Borrower: $495.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $7.00<br> Mortgage Broker Fee paid by Borrower: $1,498.00<br> Recording Service Fee paid by Borrower: $23.00<br> Settlement or Closing Fee paid by Borrower: $550.00<br> Sub-Escrow Fee paid by Borrower: $180.00<br> Tax Service Fee paid by Borrower: $86.00<br> Title Courier Fee paid by Borrower: $30.00<br> Undisclosed Debt Monitoring Fee paid by Borrower: $9.00<br> Wire Transfer Fee paid by Borrower: $30.00<br>This loan failed the financing of points and fees test due to the covered loan finances points and fees in excess of $1,000 or 6% of the original principal balance, exclusive of points and fees, whichever is greater." | \* Missing Appraisal (Lvl 3) "The appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB xx<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.62%. The tape shows a revised DTI of greater than 50%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 17.75 years at xx, and BWR2 has been SE for 27.75 years at xx, and $xx equity in the subject.<br>Downgraded to LVL2 as per PH."<br> \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.689%, exceeding the APR threshold of 7.540% by +2.149%. The subject loan originated on xx and the 1-year affirmative defense period is open. A review of the loan file shows that the first lien has an escrow account. The loan failed the CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 9.689%, exceeding the APR threshold of 7.540% by +2.149%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.680% exceeds APR threshold of 7.540% over by +2.140%." |  | Critical | Fail | Pass | Pass | Fail | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79356502 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3505.15 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1012.94 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 754 | Not Applicable | 42.710% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx for the amount of xx. <br> No active liens or judgments have been found against the borrower or subject property.<br> The first installment of county taxes for 2024/2025 was paid in the amount of xx.<br> The second installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,386.28, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is $1,012.94, and the interest rate is 3.250%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner-occupied.<br> As per the comment dated xx/xx/2023, the subject property was impacted by disaster. <br> As per the comment dated xx/xx/2024, the borrower is deceased.<br> No comment pertaining to the damage to the subject property have been observed.<br> BWR has 13.25 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Tape shows the septic inspection required as per the purchase contract is missing from the loan file. Further details not provided."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan is uninsured as single premium MI was not paid, and the lender delivered the loan with 12% coverage with xx. File shows the MI certificate with 25% coverage. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> The loan estimate dated xx/xx/2021 does not reflect the pest inspection fee. The CD dated xx/xx/2021 reflects a pest inspection fee of $175.00.<br> The loan estimate dated xx/xx/2021 reflects the appraisal fee at $500.00. CD dated xx/xx/2021 reflects the appraisal fee at $575.00.<br> This is a cumulative increase in fees of $250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. The initial LE dated xx/xx/2021 reflects a lender credit at $15.99, and the final CD dated xx/xx/2021 reflects a lender at $0.00. This is a decrease of $15.99 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 10910037 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | No | Not Applicable | First |  | $0.00 | $17326.53 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2374.28 | 5.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | Not Applicable | 39.193% | First | Final policy | Not Applicable | Not Applicable | 01/xx/2017 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx. There are two IRS liens against "xx" in the amount of $784,806.93 in favor of "xx," which were recorded on xx. The first and second installments of county taxes for 2023-2024 were paid in the amount of xx. The first installment of county taxes for 2024-2025 is due on xx/xx/2025 in the amount of $9,529.59. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,859.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,374.28 with an interest rate of 5.375%. The current UPB is xx. | Collections Comments:The current status is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. The comment dated xx/xx/2025 shows that BWR has received the loss draft funds. Further details regarding the types of damages, estimated cost of repairs, and repair completion were not provided. No foreclosure activity has been found. No record of post-closing bankruptcy filed by the borrower has been found. As per the tape, the subject property is owner-occupied. BWR has 8.33 years on the job as an xx with xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Appraisal report dated xx/xx/2017 shows subject to repairs due to renovation. The estimated cost of repairs is $259,800. Missing 1004D. xx search shows estimated value of xx Current UPB xx." |  | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2016 reflects the recording fee at $128.00. CD dated xx/xx/2017 reflects the sum of section C and recording fee at $407.00. This is a cumulative increase of $266.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2016 does not reflect points - loan discount fee. CD dated 0xx/xx/2017 reflects points - loan discount fee at $8,496.96. Loan estimate dated xx/xx/2016 does not reflect administration fee. CD dated 0xx/xx/2017 reflects administration fee at $4,504.00. Loan estimate dated xx/xx/2016 does not reflect appraisal re-inspection fee. CD dated 0xx/xx/2017 reflects appraisal re-inspection fee at $175.00. Loan estimate dated xx/xx/2016 does not reflect appraisal review fee. CD dated 0xx/xx/2017 reflects appraisal review fee at $1,250.00. Loan estimate dated xx/xx/2016 reflects appraisal fee at $500.00. CD dated 0xx/xx/2017 reflects appraisal fee at $615.00. This is an increase in fee of +$115.00 for charges that cannot increase. This is a cumulative increase in fee of +$14,540.96 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Higher Price Mortgage Loan (Lvl 2) "The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 6.016% exceeds APR threshold of 5.840% over By +0.176%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.016% Exceeds APR threshold of 5.840% Over By +0.176%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93223845 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10632.28 | 09/xx/2024 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2520.98 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 651 | Not Applicable | 27.425% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx/xx/2018 and was recorded on xx/xx/2018 in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments and lines have been found.<br> The annual county taxes for 2023 were paid on xx/xx/2024 in the total amount of xx.<br> The annual county taxes for 2024 are due on xx/xx/2025 in the total amount of xx.<br> No delinquent tax has been found. | As per the review of payment history as of xx/xx/2025, the borrower is 4 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,520.98 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,520.98 with an interest rate of 5.50%. The current UPB is xx. | Collections Comments:The current status of the loan is collection.<br> As per the review of payment history as of xx/xx/2025, the borrower is 4 months delinquent with the loan, and the next due date is xx/xx/2024. The current UPB is xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> The review of the collection comment states that the foreclosure was initiated in 2024. The comment dated xx shows that the foreclosure was closed due to reinstatement. Further details are not provided.<br> The comment dated xx/xx/2024 shows that the RFD is a payment dispute.<br> BWR has been SE for 2.33 years at xx.<br>Foreclosure Comments:The review of the collection comment states that the foreclosure was initiated in xx The comment dated xx/xx/2024 shows that the foreclosure was closed due to reinstatement. Further details are not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "As per the tape, the BWR was past due for the xx payment. The payment for xx/xx/2020 was returned due to NSF. The BWR was subsequently approved for FB and the repayment plan. The loan became current after the repayment plan. As per the payment history as of xx/xx/2025, the borrower is 4 months delinquent with the loan, and the next due date is xx/xx/2024."<br> \* Occupancy concerns - (Lvl 3) "Subject was approved as NOO. The tape indicates that the property is OO due to misrepresentation. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as NOO at 27.42%. Tape shows property is OO due to misrepresentation, and the BWR does not qualify without using rental income from the subject property. Further details not provided. BWR defect. The subject loan originated on xx/xx/2018, and the 3-year SOL is expired. BWR has been SE for 2.33 years at xx, FICO 571, and $xx equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26653643 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10265.29 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6243.94 | 4.874% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 670 | Not Applicable | 19.449% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,243.94 with an interest rate of 4.874%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2023, the loan was in active litigation. As per servicing comment dated xx/xx/2024, the litigation has been resolved. Further details are not provided. <br> According to servicing comments dated xx/xx/2024, the subject property is located in a FEMA disaster area. The FEMA disaster was declared on xx for xx<br> BWR has been SE for 3.91 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 19.44%. The tape shows asset misrepresentation as bank statements were altered. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has been SE for 3.91 years at xx in the last 24 months, and $xx equity in the subject."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19678522 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3273.71 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2774.37 | 9.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 762 | Not Applicable | 7.620% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in the amount of xx with MERS as nominee for xx and was recorded on xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for three months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2025 in the amount of $3,500.62, which was applied to the due date of xx/xx/2024. The current P&I is $2,774.37 with an interest rate of 9.875%. The current UPB reflected as per the payment history is xx | Collections Comments:As per the review of the servicing comments, the current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for three months, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2024, the RFD was a property problem.<br> As per the collection comment dated xx/xx/2024, the borrower was approved for a 3-months FB plan that was started on xx/xx/2024 and ended on xx/xx/2025. Further details are not provided.<br> As per the collection comment dated xx/xx/2025, the loan is in active litigation. Further details are not provided. There is no comment indicating litigation has been resolved.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br> BWR has been SE for 10.08 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Missing Required Disclosures | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report shows the detached garage roof is damaged and needs to be torn down or repaired. 1004D report is missing from the loan documents. Final CD does not reflect the escrow holdback." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed SSPL document date test. Loan originator received initial application on xx/xx/2024. SSPL document date is xx/xx/2024 which is more than 3 business days from the initial application date xx/xx/2024."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "The revised CD dated xx/xx/2024 is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 3) "The settlement services provider list is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.143% exceeds APR threshold of 8.320% over by +1.823%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39542091 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $17434.38 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3929.13 | 4.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 777 | Not Applicable | 48.795% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2019 and recorded on xx with the lender MERS as nominee for xx for the amount of xx. <br> There is a UCC judgment against the borrower in favor of xx recorded on xx.<br> The first installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,686.29, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is $3,929.13, and the interest rate is 4.000%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the seller's tape, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has been SE for 35 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.79%. The tape shows revised DTI 83.64%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has been SE for 35 years at xx, FICO 777, 0X30 in the last 24 months, $xx equity in the subject, and residual income $1,649."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.79%, as the borrower's income is $17,283.00 and total expenses are in the amount of $8,433.26, and the loan was manually underwritten." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75938970 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3757.45 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1262.62 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Mixed Use | xx | xx | Primary | Yes | Yes | No | 751 | Not Applicable | 42.491% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2023 and was recorded on xx/xx/2023 in the amount of xx in favor of xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> The annual utilities/mud charges for 2025 have been delinquent in the amount of xx, which were good through xx/xx/2025.<br> The annual sewer charges for 2025 have been delinquent in the amount of xx, which were good through xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,731.31, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,262.62 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,262.62 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has been SE for 3.58 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Property is Mixed Use (Lvl 4) "Subject is a mixed use property with an SF and a business on site operating as the xx with horse stalls and related facilities. Appraised value at xx UPB xx Elevated for client review." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Subject loan is Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $6,206.95 exceeds fees threshold of $5,551.44 over by +$655.51.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,756.95<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $850.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2023 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $4,756.95. This is an increase fee in the amount of +$4,756.95 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is Refinance, originated on xx/xx/2023 and the 3-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,206.95 exceeds fees threshold of $5,551.44 over by +$655.51.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,756.95<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $850.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 118806 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4415.63 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2314.42 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 787 | 775 | 21.000% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,314.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,314.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br> The subject property is in xx. County located at xx. The latest collection comment as of xx/xx/2025 states no damage to the property.<br>BWR1 has been SE for 2.75 years at xx, and at xx. for 9.75 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.996% exceeds APR threshold of 7.900% by +0.096%. The subject loan is not escrowed. Subject loan originated on xx/xx/2024, and the 1-year affirmative defense period is open." | \* Compliance Testing (Lvl 3) "Tape shows subject loan is an HPML loan closed without an escrow account. The infinity compliance result shows that the loan failed the HPML test and the subject loan is not escrowed." |  |  | Critical | Fail | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24571519 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $8694.12 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $662.78 | 8.750% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 720 | Not Applicable | 43.987% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx which originated on xx/xx/2013 and recorded on xx/xx/2013 with the instrument # xx. <br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $662.78 which was applied for the due date of xx/xx/2025. The current monthly P&I is $662.78 with an interest rate of 8.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 9.66 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows as TRID Violation as the initial disclosures were not issued within the required time period. Infinity compliance result shows the loan failing TRID delivery and timing test. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase RESPA Test Failed (Lvl 3) "This loan failed the homeownership counseling organization's disclosure date and list of service providers disclosure test due to the homeownership counseling organization's disclosure and list of service providers disclosure dated xx/xx/2024, which is not within three business days of the loan originator's application dated xx<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "The initial loan estimate delivery date is xx/xx/2024, which is later than the third business day after the creditor receives the consumer's initial written application on xx/xx/2024."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed the TILA Foreclosure Rescission Finance Charge test, as this loan data reflects a foreclosure rescission finance charge in the amount of $87,117.01. Comparison data foreclosure rescission finance charge in the amount of $87,157.01, and the variance is -$40.00. The subject loan is refinance, originated on xx/xx/2024, and the 3-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance tests and charges that in total cannot increase more than 10% tolerance tests due to loan failed initial LE delivery and timing tests. The initial LE dated xx/xx/2024 was delivered on xx/xx/2024, which is more than 3 business days from the initial application date of xx/xx/2024. The subject loan is refinance, originated on xx/xx/2024, and the 3-year SOL is active." |  |  | Moderate | Pass | Fail | Fail | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65468823 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3687.20 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $645.22 | 9.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 726 | Not Applicable | 40.738% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx in favor of xx.<br> There is an active prior mortgage against the subject property in favor of xx in the amount of xx which originated on xx/xx/2019 and recorded on xx/xx/2019 with the instrument #xx. <br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> 2nd installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $645.22 which was applied for the due date of xx/xx/2025. The current monthly P&I is $645.22 with an interest rate of 9.750%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> BWR has 18.1 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved as 40.74%. Tape shows the lender did not include child support payments in the DTI calculation. The revised DTI is 50.55%. Further details not provided. Lender defect. The subject originated on xx and the 3-year SOL is active. BWR has 18.1 years on the job as a sxx with xx since inception, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27308031 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | First |  | $0.00 | $3306.65 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1288.21 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 722 | Not Applicable | 48.668% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and was recorded on xx/xx/2021 in the amount of xx in favor of xx.<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,926.01, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,288.21 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,288.21 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 10 months on the job as a xx with xx. BWR has prior employment experience as a xx with xx for 4.5 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR did not occupy the subject. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.66%. Tape shows income and occupancy misrepresentation causing the lender to omit primary housing expense. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 10 months on the job as a xx with xx in the last 24 months, and $xx equity in the subject."<br> \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2021 reflects cash to in the amount of $1,515.01."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,262.32 exceeding the fees threshold of $8,682.47 over by +$1,579.85. The below fees were included in the test: Mortgage Broker Fee (Indirect) $8,140.00 Points—Loan Discount Fee paid by Borrower: $2,122.32"<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Lender Credit at $471.00, Final CD dated xx/xx/2021 reflects Lender at $0.00 This is decrease of +$471.00 for fee which has 0% tolerance test.<br>The subject loan is a purchase, originated on xx and the 1-year SOL has expired."<br> \* GSE Points and Fees Test Violations (Lvl 2) "Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $10,262.32. Exceeds fees threshold of $8,682.47, over by +$1,579.85. The below fees were included in the test: Mortgage Broker Fee (Indirect) $8,140.00 Points—Loan Discount Fee paid by Borrower: $2,122.32"<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.66%, the borrower income is $7,258.33 and total expenses are in the amount of $3,532.50 and the loan was underwritten by LP (xx) and its recommendation is "Accept" with a DTI of 48.66%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1058313 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10947.38 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2191.23 | 2.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 728 | Not Applicable | 35.920% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2021 and recorded on xx/xx/2021 in the amount of xx with the lender MERS as nominee for xx.<br> There is a civil judgment found against the borrower in favor of MERS as nominee for xx. in the amount of xx which was recorded on xx/xx/2024.<br> The 1st installment of combined taxes for 2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of combined taxes for 2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,441.47, which was applied for the due date of xx/xx/2025. The current P&I is $2,191.23 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR has 1.66 years on the job as a xx at xx. Previously, BWR had 2 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "The subject was approved as OO. Tape shows the subject is NOO, as the BWR did not occupy the subject property. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 35.92%. Tape shows the subject is NOO, as the BWR did not occupy the subject property, causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 1.66 years on the job as a xx at xx in the last 24 months, and $xx equity in the subject."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID violation due to decrease in lender credit on CD dated xx/xx/2021. Initial CD dated xx/xx/2021 reflects lender credit at $6,183.36. Final CD dated xx/xx/2021 reflects lender credit at $6,129.69. This is decrease of -$53.67 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL has expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents" |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62453417 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $3798.24 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $384.46 | 8.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 749 | Not Applicable | 44.476% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was recorded on xx in the amount of xx with MERS as nominee for xx.<br> The first installment of combined taxes for the year 2024 has been paid in the amount of xx on xx/xx/2024.<br> The second installment of combined taxes for the year 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $384.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $384.46 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> As per the latest inspection report dated xx/xx/2024, located at "xx," the subject property is owner-occupied, and the subject appears in good condition.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA Foreclosure Rescission Finance Charge Test. Finance charge disclosed on final CD as $90,976.52. Calculated finance charge is $91,016.52 for an under disclosed amount of -$40.00. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,045.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,382.03. This is an increase in fee of +$337.03 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "As per the seller's tape, it shows "Loan went EPD." According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98136908 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $7393.01 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $461.16 | 8.375% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | 29.915% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is a prior mortgage against the subject property that was originated on xx and recorded on xx in the amount of xx with the lender "MERS as nominee for xx.".<br> The first and second installments of county taxes for 2023 were paid in the amount of xx<br> The first and second installments of county taxes for 2024 were due in the amount of xx on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $461.16, which was applied for the due date of xx/xx/2025. The current P&I is $461.16 with an interest rate of 8.375%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> As per the comment dated xx/xx/2024, the RFD was payment dispute with the lender. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 3.83 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows "EPD." As per the PH as of xx/xx/2025, the BWR is current with the loan, and the next due date is xx/xx/2025." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28738424 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $298.45 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $867.45 | 7.750% | 360 |  | xx | xx |  | FHA | Fixed |  | Refinance | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 613 | Not Applicable | 53.541% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments and lines have been found.<br> The first and second installments of the county taxes for 2024 were paid on xx/xx/2024 and xx/xx/2024 in the total amount of xx.<br> The third and fourth installments of the county taxes for 2024 are due on xx/xx/2025 and xx/xx/2025 in the total amount of xx.<br> No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,064.51, which was applied to the due date of xx/xx/2025. The current P&I is $867.45 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR has 1 year on the job as a customer protection senior xx. Previously, BWR had 2.16 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is subject to the completion of renovation. The estimated amount of repairs is $xx, and the final CD reflects an escrow holdback of $xx. The 1004D report is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB is xx<br> \* Loan has escrow holdback. No proof it was released (Lvl 4) "Final CD dated xx/xx/2023 reflects escrow holdback in the amount of $xx. Proof for release of escrow holdback is missing from the loan documents." | \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (xx) QM points and fees test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00<br>Loan fails QM lending policy points and fees test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00"<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the wrong appraised value was used to close the subject loan amount at $121,082, exceeding the maximum limit for the 203K loan. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Rebuttable Presumption - defined by loan findings (Lvl 3) "This loan failed FHA QM rebuttable presumption test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00" | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed FHA QM safe harbor test threshold test due to APR calculated 8.800% exceeds APR threshold of 9.418% under variance by -0.618%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69222209 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Jersey | xx | xx | xx | New Jersey | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6510.14 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1260.34 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 808 | Not Applicable | 34.858% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx. <br> The 1st installment of town taxes for 2024/25 was paid in the amount of xx on xx/xx/2025.<br> The 2nd installment of town taxes for 2024/25 is due in the amount of xx on xx/xx/2025. <br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,944.49 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,260.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR has 1 month on the job as a xx with xx. BWR was working from xx/xx/2021 with the same employment and was on a xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows fees on the subject loan exceeded 2% limit. Infinity compliance result shows that the loan failed the QM points and fees test."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed the Qualified Mortgage Lending policy points and fees test due to fees charged $7,291.00 exceed fees threshold of $5,676.42 over by +$1,614.58.<br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $1,395.00<br> Points - Loan Discount Fee paid by Borrower: $7,890.00<br> Loan Discount Fee (less excludable bona fide discount points) $5,896.00"<br> \* ComplianceEase State Regulations Test Failed (Lvl 3) "The loan failed the state regulation for the prohibited fees test. <br> The following fee was included in the test:<br> Title Closing Protection Letter paid by Borrower: $75.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $7,291.00 exceed fees threshold of $5,676.42 over by +$1,614.58.<br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $1,395.00<br> Points - Loan Discount Fee paid by Borrower: $7,890.00<br> Excluded Bona Fide Discount Points -$1,994.00" |  |  | Moderate | Pass | Pass | Pass | Pass | Fail | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34246642 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3320.02 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1223.09 | 3.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 677 | Not Applicable | 44.782% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual city and combined taxes for 2024 were paid in the amount of $3,320.02.<br> No prior year's delinquent taxes have been found. | As per the review of tape data of payment history as of xx/xx/2025, the borrower is currently delinquent with the loan for 1 month and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $1,223.09, and the interest rate is 3.875%. The UPB is xx. | Collections Comments:The current status of the loan is collection. <br> As per the review of tape data of payment history as of xx/xx/2025, the borrower is currently delinquent with the loan for 1 month and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $1,223.09, and the interest rate is 3.875%. The UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br> BWR has 1.08 years on the job as axx at xx. BWR has prior experience as a xx at xx between xx/xx/2019 and xx/xx/2020 for 1.4 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows prior FHLMC indemnification that required repurchase if the borrower went 120 days DQ. As per tape data of payment history BWR is delinquent for 1 month and the next due date is xx/xx/2025. The UPB is xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,300.50. This is an increase in fee of $1,300.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 44.78%, as the borrower's income is $4,203.00 and total expenses are in the amount of $1,882.20 and the loan was underwritten by AUS/DU (xx) and its recommendation is Accept with a DTI of 45%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 66438511 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3811.66 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $868.21 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 716 | 759 | 45.355% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> The annual installment of school taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,419.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $868.21 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 1 month on the new job as a business development xx at xx. Previously, BWR1 had multiple jobs within 2 years. BWR2 receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure<br> Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to fees charged $3,960.97 exceeds fees threshold of $3,875.96 over by +$85.01. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,770.97<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $1,395.00"<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,960.97 exceeds fees threshold of $3,875.96 over by +$85.01. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,770.97<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $1,395.00"<br> \* Transmittal (1008) is Missing (Lvl 3) "Final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 43.24%. Tape shows subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has one month on the new job as a xx, BWR2 receives xx since inception, and $xx equity in the subject."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2023. Initial LE dated xx/xx/2023 reflects Lender Credit at $420.00. Final CD dated xx/xx/2023 reflects Lender Credit at $352.00. This is a decrease of $68.00 for fee which has 0% tolerance test. Valid COC for NSLC is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year."<br> \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure is missing from the loan document."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36850625 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3312.62 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1011.70 | 5.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | Yes | 763 | Not Applicable | 35.122% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx. with instr. #xx.<br> There is a junior mortgage active against the subject property in favor of xx, in the amount of xx originated on xx/xx/2022 and recorded on xx/xx/2022 with instr. #xx.<br> County annual taxes of 2024 have been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,660.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,011.70 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the comment dated xx/xx/2023, the subject property was damaged due to water on xx/xx/2023 and mold. As per the comment dated xx/xx/2023, the estimated amount of the claim is xx. As per the comment dated xx/xx/2023, the borrower received claim check in the total amount of $33,690.03. No evidence has been found for repairs completion.<br> BWR has 5.91 years on the job as a Dir. product xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Written list of service providers disclosure dated xx/xx/2022 is missing from the loan file."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan closed with CLTV at 95%, exceeding the 90% CLTV threshold for a streamlined condo review. Condo questionnaire is missing from the loan documents. Further details not provided." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br> Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 reflects Points - Loan Discount Fee at $2,876.00. CD dated xx/xx/2022 reflects Points - Loan Discount Fee at $2,878.48. This is an increase in fee of $2.48 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx and the SOL is 1 year." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $40324.19 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56083607 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4412.41 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $608.78 | 9.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 742 | Not Applicable | 39.450% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx which was recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is a prior mortgage against the subject property that was originated on xx and recorded on xx in the amount of xx with the lender "xx."<br> The annual city and combined taxes for 2024 were paid in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $608.78, which was applied for the due date of xx/xx/2025. The current P&I is $608.78 with an interest rate of 9.250%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has 2.2 years on the job as axx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Right of Rescission | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show lender failed to include spousal lien UPB of $xx in CLTV calculation. Revised CLTV increases from 61.47% to 106%. Further details not provided."<br> \* Right of Rescission missing or unexecuted (Lvl 3) "ROR is missing from loan file." |  |  | Minimal | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6275428 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alaska | xx | xx | xx | Alaska | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6745.51 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $940.01 | 10.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 759 | Not Applicable | 42.409% | Second | Commitment | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx, for the amount of xx. There is a prior mortgage against the subject property that was originated on xx and recorded on xx with instrument xx in the amount of xx with MERS as nominee for xx. There is an active prior UCC against the subject property in favor of xx., which was recorded on xx The UCC amount is not provided. The first and second installments of county taxes for 2024 were paid in the amount of xx. No prior year's delinquent taxes have been found. | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $940.01, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $940.01, and the interest rate is 10.250%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 7.25 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows HPML due to an APOR violation. Infinity compliance result shows the loan passed the HPML test. Further details not provided."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $3,924.52 exceeds fees threshold of $3,914.00 over by +$10.52.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $638.00<br> Points - Loan Discount Fee paid by Borrower: $3,286.52."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Final CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $3,155.39. Post CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $3,286.52. This is an increase fee in the amount of +$131.13 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,924.52 exceeds fees threshold of $3,914.00 over by +$10.52.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $638.00<br> Points - Loan Discount Fee paid by Borrower: $3,286.52." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59681442 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3738.39 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $900.15 | 11.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 713 | 710 | 40.245% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 in the amount of xx which was recorded on xx<br> There is a prior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx originated on xx and recorded on xx/xx/2020.<br> The annual county taxes for 2024 have been paid in the amount of xx on xx.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $900.15 which was applied for the due date of xx/xx/2025. The current monthly P&I is $900.15 with an interest rate of 11.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the seller tape, the property is owner occupied. <br> No information has been found related to damage or repairs.<br> BWR1 receives VA benefits and social security income. <br> BWR2 has 1.41 years on the job as a xx with xx, BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 40.24%. Tape shows BWR2's income source is from a non-arm's-length transaction as she is employed as a caregiver by BWR1. Further details not provided. Lender defect. The subject loan was originated on xx and the 3-year SOL is active. BWR1 receives VA benefits and social security income. BWR2 has 1.41 years on the job as a xx with xx. Additionally, BWR2 receives social security income, FICO 720, 0X30 since inception, and $xx equity in the subject." | \* Compliance Testing (Lvl 3) "Loan failed qualified mortgage APR threshold test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $233,444.80. Calculated finance charge is $233,484.80 for an under disclosed amount of -$40.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial CD dated xx/xx/2024 reflects points - loan discount fee at $2,301.59. Final CD dated xx/xx/2024 reflects points - loan discount fee at $2,419.74. This is an increase in fee of +$118.15 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active.<br>Loan failed compliance ease delivery and timing test for revised CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed the GSE (Freddie Mac public guidelines) QM APR test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.496% exceeds APR threshold of 10.690% over by +0.806%. Subject is second lien and first lien is escrowed. <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%." |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61617647 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6724.66 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $687.94 | 8.375% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 781 | Not Applicable | 36.642% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and was recorded on xx/xx/2024 in the amount of xx<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx. in the amount of xx which originated on xx and was recorded on xx with the book #xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of city taxes for 2023 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $687.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $687.94 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $687.94 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No modification or forbearance details are available in recent collection comments.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br>BWR has 4.91 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Seller tape defect shows loan went EPD. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $687.94 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $79,476.12. Further details are not provided."<br> \* Missing Appraisal (Lvl 3) "The appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB is xx." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63361137 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1997.38 | 01/xx/2025 | Unavailable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $507.04 | 4.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 622 | Not Applicable | 38.225% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is a credit card judgment found against the borrower in favor of xx in the amount of xx which was recorded on xx.<br> The 2nd installment of county tax for 2024 is due in the total amount of xx on xx/xx/2025.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $727.89, which was applied for the due date of xx/xx/2025. The current monthly P&I is $507.04 with an interest rate of 4.75%. The current UPB reflected as per the payment history is xx | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2023, the trial modification is approved, and the 1st trial is due on xx/xx/2023.<br> As per the servicing comment dated xx/xx/2023, the reason for default is excessive obligation.<br> The foreclosure was initiated in 2023 with the loan. As per the servicing comment dated xx/xx/2024, the foreclosure has been put on hold due to loss mitigation. As per the servicing comment dated xx/xx/2024, judgment entered on xx/xx/2024. As per servicing comments dated xx/xx/2024, the foreclosure sale was scheduled for xx/xx/2024. As per servicing comments dated xx/xx/2024, the loan was reinstated.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 2.83 years on the job as a project admin with xx.<br> Foreclosure Comments:The foreclosure was initiated in 2023 with the loan. As per the servicing comment dated xx/xx/2024, the foreclosure has been put on hold due to loss mitigation. As per the servicing comment dated xx/xx/2024, judgment entered on xx As per servicing comments dated xx/xx/2024, the foreclosure sale was scheduled for xx As per servicing comments dated xx/xx/2024, the loan was reinstated.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) ") Tape shows a large deposit was not sourced and insufficient assets. Bank statement in the file shows assets of $22,731, and the cash-to-close requirement is $24,865. There is a shortfall of funds in the amount of $xx. Further details were not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 38.22%. Tape shows income miscalculation. Revised DTI is 45%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has 2.83 years on the job as a xx with xx, $xx equity in the subject, and $1,195 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $462.67. This is an increase fee in the amount of +$462.67 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL is expired."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.981% exceeds APR threshold of 4.430% over by +0.551%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 4.981% exceeds APR threshold of 4.430% over by +0.551%. Subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41359148 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Indiana | xx | xx | xx | Indiana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2463.64 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2632.99 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 695 | Not Applicable | 34.239% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx. <br> There is civil judgment found against the borrower in favor of xx which was recorded on xx. The supportive document does not show the lien amount.<br> The annual county taxes for 2024/2025 are due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $2,632.99 and interest rate is 7.625%. The UPB is xx.<br>| Collections Comments:The current status of the loan is performing.<br> As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is xx.<br> The reason for default is not available.<br> As per tape data, the subject property is owner occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br>BWR has 2.11 years on the job as an xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 34.23%. Tape shows subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx and the 3-year SOL is active. BWR has 2.11 years on the job as an xx at xx, and $xx equity in the subject." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26050053 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5018.76 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2338.62 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 693 | Not Applicable | 45.309% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of combined taxes for 2023 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,077.58, which was applied on xx/xx/2025. The current P&I is $2,338.62 and the interest rate is 8.625%. The UPB is reflected in the amount of xx. | Collections Comments:Current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is reflected in the amount of xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner occupied.<br> BWR has 2 months on the job as a xx with xx. BWR had multiple jobs in the last two years in the same line of work.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows loan failed QM APR spread test. Infinity compliance result shows the loan failed the HPML and QM Safe Harbor threshold test. Further details not provided." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.410% exceeds APR threshold of 8.550% over by +0.860%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.945% exceeds APR threshold of 8.550% over by +0.395%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24547625 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2036.18 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $420.43 | 9.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | No | Yes | 777 | 787 | 31.821% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024 and recorded on xx/xx/2024 under instrument #xx in the amount of xx with MERS as nominee for xx.<br> There is an active prior mortgage against the subject property, which was recorded on xx/xx/2021 under instrument #xx in the amount of xx with MERS as nominee for xx.<br> The first installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $420.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $420.43 with an interest rate of 9.50%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> CCs do not show damages.<br> As per tape data, the subject property is occupied by the owner.<br> BWR2 receives retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 38.77%. Tape shows lender miscalculated PITI of the first lien, and the revised DTI is 61.71%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR2 receives retirement income, FICO 811, 0X30 since inception, $xx equity in the subject, and residual income $1,272." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $659.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $415.80. This is a cumulative increase of +$243.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67881748 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Tennessee | xx | xx | xx | Tennessee | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $151.00 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $461.41 | 6.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 43.832% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $541.91 which was applied for the due date of xx/xx/2025. The current monthly P&I is $461.41 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR has 6.91 years on the job as a xx with xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 43.83%. Tape shows rental income miscalculation. Revised DTI is 84%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6.91 years on the job as a xx, FICO 746, 0X30 since inception, $xx equity in the subject, and $351 residual income." | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $96,147.14. Calculated finance charge is $96,798.44 for an under disclosed amount of -$651.30. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $96,147.14. Calculated finance charge is $96,763.44 for an under disclosed amount of<br> -$616.30. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 does not reflect HUD IBTS Certification Fee. CD dated xx/xx/2024 reflects HUD IBTS Certification Fee at $275.00.<br> Loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee at . CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $44.53.<br> This is a cumulative increase in fee of $319.53 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects Lender Credit at $187.00, Final CD dated xx/xx/2024 reflects Lender at $0.00. This is decrease of +$187.00 for fee which has 0% tolerance test."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Property is Manufactured Housing (Lvl 2) "The home is affixed. As per appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is located at Ln#134901.pdf page#36 and the manufactured home rider located at xx reflecting that the home is affixed with permanently to the land. The VIN number is xx." |  | Moderate | Pass | Fail | No Result | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 68881334 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $645.51 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $460.38 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 663 | Not Applicable | 34.002% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual village taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> The annual utilities/MUD charges for 2024 are due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $700.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $460.38 with an interest rate of 6.625%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per tape data, the subject property is occupied by the owner.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "Tape and file shows appraisal is subject to removal of second kitchen, and 1004D was not obtained. The photo addendum shows the roof, deck, siding, and flooring are damaged. The estimated cost of repairs is $xx. 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback. Subject closed xx UPB xx | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx reflects the sum of Section C fees and Recording fee at $1,032.00. CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $1,031.80. This is a cumulative increase of +$0.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86159186 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4957.80 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $463.36 | 9.000% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 687 | 717 | 40.060% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx, for the amount of xx <br> There is a prior mortgage against the subject property that was originated on xx/xx/2021 and recorded on xx with instrument #xx in the amount of xx<br> There is a prior state tax lien against the borrower in favor of the State of xx for the amount of xx recorded on xx. <br> The first installment of county taxes for 2024 was paid in the amount of xx.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $463.36, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $463.36, and the interest rate is 9.000%.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br>BWR1 has 4.50 years on the job as a xx with xx. <br> BWR2 has 5.75 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows an EPD. According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx." |  |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45429401 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8148.61 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2891.01 | 2.875% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Commercial Prop | xx | xx | Investor | Yes | Yes | No | 779 | 731 | 40.991% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is UCC lien found against the subject property in favor of xx. The lien amount is not mentioned on the document.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,429.52 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,891.01 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR1 and BWR2 have been SE for 10.83 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* Property is Commercial Prop (Lvl 3) "Tape shows the subject is NOO, and the property is commercially used as an elder care facility. Further details not provided. Elevated for client review." | \* Missing Appraisal (Lvl 2) "Appraisal is missing from the loan documents. Current UPB is xx." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47065464 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Pennsylvania | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1965.35 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 681 | Not Applicable | 16.399% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The tax certificate details are not available.<br>| According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last transaction details are not available. The current P&I is $1,965.35 with an interest rate of 7.990%. The current UPB reflected as per the tape data is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage.<br>BWR has been SE for 11.83 years with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows EPD. The loan was originated on xx/xx/2023 with the first payment on xx/xx/2024. As per the payment history, the payment for the due date xx/xx/2024 was made on xx/xx/2024. According to tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx." | \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47546153 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $4194.37 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $885.18 | 8.500% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 44.633% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of 'xx.' originated on xx which was recorded on xx in the amount of xx.<br> The annual county taxes for 2024 are paid in the amount of xx on xx/xx/2024.<br> The water charges for 2025 are due in the amount of $95.22 on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $885.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $885.18 with an interest rate of 8.500%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per tape data, the subject property is occupied by the owner. <br> BWR has 5.58 years on the job as an xx at xx. Additionally, BWR receives social security and retirement income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Origination Appraisal | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows the initial CD waiting period requirement was not met as Veteran's Day was not considered. Infinity compliance result show the loan has failed the delivery and timing test for the initial CD as the receipt date is less than 3 business days from the consummation date."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan fails compliance delivery and timing test for CD dated xx/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is less than 3 business days from the consummation date of xx/xx/2024. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $936.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,442.90.<br> Loan estimate dated xx/xx/2024 does not reflect Tax Service Fee. CD dated xx/xx/2024 reflects Tax Service Fee at $99.00.<br> This is a cumulative increase in fee of +$605.90 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active."<br> \* Missing Appraisal (Lvl 3) "Appraisal report is missing from loan file." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49486697 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $2354.66 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $422.13 | 8.125% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 758 | 766 | 14.817% | Second | Final policy | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx, which was recorded on xx/xx/2024 in favor of MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx, which originated on xx and was recorded on xx with the instrument \| Book/Page# xx.<br> Annual city taxes for 2024 were paid in the amount of $554.24 on xx/xx/2024.<br> Annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $422.13, which was applied for the due date of xx/xx/2025. The current monthly P&I is $422.13 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied.<br>BWR1 has 2.75 years on the job as a xx of xx. <br> BWR2 has 21.08 years on the job as a fxx in xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows initial disclosures were not provided on time. Infinity compliance result shows that the loan failed the RESPA timing test as the initial application date is xx/xx/2024, and the documents are dated xx/xx/2024, which is more than 3 business days."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase RESPA Test Failed (Lvl 3) "The loan failed the RESPA timing test due to the LE, SSPL and the homeownership counseling organization disclosure were issued 4 days after initial application date. Initial loan application date is xx/xx/2024 and the documents are dated xx/xx/2024."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Initial loan estimate delivery date test failed due to initial LE dated xx/xx/2024 and delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2024 delivered on xx/xx/2024 which is more than 3 business days from initial application date xx/xx/2024. The subject is a refinance case, originated on xx and the 3-year SOL is active." |  |  | Moderate | Pass | Pass | Fail | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12706300 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3386.02 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6547.04 | 9.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 3 Family | xx | xx | Investor | Yes | Yes | No | 750 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,849.46 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,547.04 with an interest rate of 9.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The reason for default is not available in the servicing comments.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Subject loan is NOO and was approved using DSCR of the subject property. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 1: Acceptable |  |  |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61099957 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | No | Not Applicable | Second |  | $0.00 | $27216.19 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $18381.66 | 9.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 699 | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of xx, in the amount of xx which originated on xx and was recorded on xx with the instrument \| Book/Page# xx.<br> There is a prior state tax lien found against the borrower in favor of xx, Tax Collector of the County of xx, State of xx, in the amount of xx, which was recorded on xx.<br> There is a mechanics lien found against the borrower in favor of xx. in the amount of $832.26, which was recorded on xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2025.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $20,870.40, which was applied for the due date of xx/xx/2025. The current monthly P&I is $18,381.66 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $18,381.66 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the current/prior foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br> The subject was approved under a no-ratio and ATR-exempt loan program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed CA AB 260 Higher-Priced mortgage loan threshold test due to APR calculated 9.847% exceeds APR threshold of 9.550% over by +0.297%. Subject loan is escrowed.<br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.847% exceeds APR threshold of 9.550% over by +0.297%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83304542 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Wisconsin | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5262.12 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1466.48 | 6.750% | 360 |  | xx | xx |  | VA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Unavailable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 661 | Not Applicable | 45.809% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments and liens have been found.<br> The county's annual tax for 2024 has been paid on xx in the total amount of $5,262.12.<br> No delinquent tax has been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,972.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,466.48 with an interest rate of 6.750%. The current UPB reflected as per payment history is xx. | Collections Comments:The current status of the loan is performing.<br> As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br>BWR receives disability and child support income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows that the subject loan does not meet the seasoning period requirement of GNMA. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46901730 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New Mexico | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $562.50 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1455.23 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Secondary | Yes | Yes | No | 766 | Not Applicable | 38.111% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx for the amount of xx. <br> There is a prior state tax lien against the borrower in favor of the xx for the amount of xx recorded on xx/xx/2014.<br> The first installment of county taxes for 2024 was paid in the amount of $281.25.<br> The second installment of county taxes for 2024 is due in the amount of $281.25 on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,748.98, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $1,455.23, and the interest rate is 7.125%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 8 months on the job as a xx at xx. Previously, BWR had 1.5 years on the job as a x xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  |  | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial CD dated xx/xx/2024 reflects Rate Lock Fee at $155.52. Final CD dated xx/xx/2024 reflects Rate Lock Fee at $350.00. This is an increase in fee of +$194.48 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects Recording fee at $50.00. CD dated xx/xx/2024 reflects Recording fee at $75.00. This is an increase of +$20.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan originated as a second home with LTV greater than 80% and does not satisfy minimum contribution of 5% from BWR's own funds as the Final CD shows gift asset of $xx and gift letters of $xx in file. Seller credit of $3,600 used towards closing. Further details not provided." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $2,596.24."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) "Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.658% exceeds APR threshold of 7.620% over by +0.038%. Subject loan is escrowed." |  | Moderate | Not Covered | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28734684 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2475.46 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1221.69 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 785 | 802 | 49.808% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx/xx/2024, in favor of MERS as nominee for xx, in the amount of xx, which was recorded on xx.<br> No active judgments or liens have been found.<br> Annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,767.73, which applied to the due date of xx/xx/2025. The current P&I is $1,221.69 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage.<br>BWR1 and BWR2 receive social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject was approved at 49.80%. Tape shows lender did not include the subscription obligation in DTI calculations. Review also shows income miscalculation. The revised DTI is 64.71%. Further details not provided. Lender defect. The subject originated on xx and the 3-year SOL is active. BWR1 and BWR2 receive social security income, FICO 785, 0X30 since inception, $xx equity in the subject, and $1,522 residual income." |  |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 77176974 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $80925.34 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $27287.05 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 733 | Not Applicable | 44.223% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx, for the amount of xx <br> There is a junior mortgage against the subject property that was originated on xx and recorded on xx with the lender xx, for the amount of xx.<br> There is a prior credit card judgment against the borrower in favor of xx for the amount of xx recorded on xx/xx/2018.<br> There are 2 prior state tax liens, one prior IRS lien, one prior credit card judgment, and one civil judgment in favor of different plaintiffs, which were recorded on different dates in the total amount of xx The defendant's middle name mentioned on the supporting document is inconsistent with the borrower's.<br> The first installment of county taxes for 2024/2025 was paid in the amount of xx<br> The second installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found.<br>| According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $40,101.68, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $27,287.05, and the interest rate is 7.250%. | Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx.<br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> The occupancy of the subject property is not available.<br> No comment pertaining to the damage to the subject property has been observed<br> BWR has been SE for 3.41 years at xxand at xx for 3.66 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* LE/CD Issue date test Fail (Lvl 3) "Loan failed compliance ease delivery and timing test for revised CD dated xx/xx/2024 and revised CD dated xx/xx/2024. Document tracker is missing and 3 business days were added to get receipt date which is after the consummation date xx/xx/2024."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject loan amount of $xx exceeds loan program limit of $3M, and bank statement in file shows assets of $xx do not satisfy the reserve requirements of 9 months. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 41% using a 20% expense factor on a bank statement program, per the CPA letter in file. Per the approval, a co-buyer was added to the loan for qualifying but only signed the mortgage and not the note. DTI unable to be calculated. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been for 3 years in 2 xx. FICO 733. 0X30 since inception. $2.9M equity in subject.<br>Downgraded to LVL2 as per PH." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28339815 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | North Dakota | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10213.32 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | $2927.63 | $3478.46 | 9.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of $10,213.32 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $5,220.24, which was applied to the due date of xx/xx/2025. The current interest-only payment is $2,927.63 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. The note consists of 120 months of interest-only payments. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the tenant. CCs do not show any damage. <br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Condo/PUD Rider | xx | 3: Curable |  | \* Assets do not meet guidelines (Lvl 3) "Tape shows excluding $xx pending deposits verified assets fall short for closing. Bank statements in the file show $xx with the $xx excluded, and the cash-to-close requirement is $xx. Further details not provided."<br> \* Condo / PUD rider Missing (Lvl 3) "PUD rider is missing from the loan document."<br> \* DSCR is less than 1.00 (Lvl 3) "Net operating income is $45,000.00 and annual payment (debt service) is $50,145.96 and their debt service cover ratio (DSCR) is 0.90." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50413515 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8644.26 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6761.40 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee forxx. No active judgments or liens were found. The 1st installment of county taxes for 2024 was paid in the total amount of xx on xx/xx/2024. The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,834.56 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,761.40 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $6,761.40 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> Subject loan is no. BWR was qualified using the DSCR of the subject property.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* DSCR is less than 1.00 (Lvl 3) "Net operating income is $60,000.00, annual payments (debt service) are $106,014.72, and the debt service cover ratio (DSCR) is 0.57."<br> \* Loan does not conform to program guidelines (Lvl 3) "Seller tape defect shows the borrower became delinquent multiple times and is current with the loan now. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $6,761.40 with an interest rate of 8.250%. The current UPB reflected as per the payment history is $xx.. Further details are not provided." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84710043 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Washington D.C. | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2136.23 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1395.70 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | Not Applicable | xx | Investor | Yes | Yes | No | Not Applicable | Not Applicable | Unavailable | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx, for the amount of xx. No active liens or judgments have been found against the borrower or subject property. The annual county taxes for 2024 were paid in the amount of xx. The water/sewer charges for 2025 are delinquent in the amount of $392.58, which are good through xx. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,618.41(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,395.70 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The loan is currently performing.<br> According to the tape as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current unpaid principal balance is xx. <br> The loan has not been modified.<br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy. <br> The reason for the default is unable to be determined.<br> No comment pertaining to the damage to the subject property has been observed. <br> The subject loan is NOO. BWR was qualified using the DSCR of the subject property. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Condo/PUD Rider<br> Origination Appraisal<br> Prepayment Penalty Rider | xx | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) "The tape shows nationality issues as BWR is a foreign citizen. A review of the file shows xx restricts the sale of property to foreign principals from xx unless they have a visa. The BWR is from the xx and there is no visa in file. Further details not provided." Elevated for client review." | \* Condo / PUD rider Missing (Lvl 3) "The subject property type is PUD. PUD rider is missing from the loan file."<br> \* Missing Appraisal (Lvl 3) "Appraisal report is missing from the loan file. xx search shows an estimated value of xx. Current UPB is xx."<br> \* Prepayment Rider Missing (Lvl 3) "Prepayment rider is missing from the loan file." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34426989 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $7933.74 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2798.85 | 8.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 678 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx.<br> There is one junior mortgage against the subject property that was originated on xx and recorded on xx in the favor of "xx," in the amount of xx<br> There is a UCC lien in favor of "xx," which was recorded on xx.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | As per the review payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,798.85, and the interest rate is 8.500%. The UPB is xx | Collections Comments:The current status of the loan is performing. <br> As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,798.85, and the interest rate is 8.500%. The UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> Subject loan approved under ATR exempt loan program with no ratio.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Condo/PUD Rider<br> Initial 1003_Application<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Condo / PUD rider Missing (Lvl 3) "The PUD rider is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "The tape shows the subject property as a PUD detached residence, and the mortgage notarized on xx/xx/2022 contains no riders for property type. Further details not provided."<br> \* Missing Initial 1003_Application (Lvl 3) "The initial application signed by the loan originator is missing from the loan documents." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2022 does not reflect appraisal re-inspection fee. Final CD dated xx/xx/2022 reflects appraisal re-inspection fee at $200.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx and the 1-year SOL is expired."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.911% exceeds APR threshold of 7.450% over by +1.461%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75251206 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $2550.17 | $5715.93 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1311.37 | 9.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 731 | 780 | 48.314% | First | Commitment | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx. No active judgments or liens have been found. The annual school and utilities/MUD taxes for 2023 were paid in the amount of xx The annual county taxes for 2024 were paid in the amount of $1,898.62. The annual school taxes for 2024 were delinquent in the amount of $2,550.17 with the good-through date of xx/xx/2025. The annual utilities/MUD charges for 2024 were delinquent in the amount of xx with the good-through date of xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,005.18 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,311.37, and the interest rate is 9.125%. The current UPB is xx. | Collections Comments:The current status of the loan is collection. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,005.18 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,311.37, and the interest rate is 9.125%. The current UPB is xx<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found. <br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR1 has been SE for 15.41 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan originated 11/xx/24 and was approved at 48.31% using 1099's. The file contained 2023 tax transcripts that did not support the 1099 income used for qualifying; revised DTI over 100%. Further details not provided. Lender defect. BWR 1 is SE with xx for 15 years, BWR 2 is SE with xx for 2 years, the 3-year SOL is active., FICO 731 and $53.7K in equity." | \* Compliance Testing (Lvl 3) "Tape shows loan failed 3-day waiting period test for CD. Infinity compliance result shows the loan failed the TRID delivery and timing test as the initial LE and CD were delivered on the same date."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "This loan failed the TRID disclosure delivery date validation test as the initial LE and CD were delivered on the same date."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,988.19 Exceeds Fees threshold of $4,584.71 Over by +$2,403.48. The below fees were included in the test: Appraisal Review Fee paid by Borrower: $150.00 Document Preparation Fee paid by Borrower: $100.00 Mortgage Broker Fee paid by Borrower: $4,437.31 Points - Loan Discount Fee paid by Borrower: $805.88 Underwriting Fee paid by Borrower: $1,495.00 Loan fails GSE (Fannie Mae public guidelines) QM APR test due to APR charged 9.695% Exceeds APR threshold of 8.610% Over by +1.085%."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51152669 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4941.32 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2364.85 | 8.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 782 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx.<br> No prior year's delinquent taxes have been found. | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received xx/xx/2025 in the amount of $2,893.13 (PITI), which was applied on xx/xx/2025. The current P&I is $2,364.85, and the interest rate is 8.125%. The UPB is xx. | Collections Comments:The current status of the loan is performing.<br> As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The UPB is xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No records for foreclosure have been found.<br> No repairs and damage have been found.<br> Unable to determine the current occupancy of subject property.<br> The subject loan approved under no ratio loan program. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the loan failed the 3-day CD waiting period. Further details not provided. Infinity compliance result shows the loan failed the TRID delivery and timing test."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed TRID Disclosure Delivery Date Validation Test due to initial closing disclosure delivery date is on initial loan estimate delivery date." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.467% exceeds APR threshold of 7.860% over by +0.607%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 8.467% exceeds APR threshold of 7.860% over by +0.607%." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 85199302 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Hawaii | xx | xx | xx | Hawaii | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3499.00 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1900.18 | 8.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 708 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx The subject mortgage is not recorded yet.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 with the first payment on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $1,900.18 with an interest rate of 8.375%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:The loan was originated on xx/xx/2025 with the first payment on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $1,900.18 with an interest rate of 8.375%. The current UPB reflected as per the payment history tape data is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner.<br> Subject loan was approved under the no-ratio loan program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows LE and CD was issued on the same date. Infinity compliance result shows the loan failed the TRID delivery and timing test as the initial LE and CD were delivered on the same date."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan failed Qualified Mortgage Lending Policy points and fees test due to Fees charged $9,745.00 exceeds fees threshold of $7,126.67 over by +$2,618.33.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $5,000.00<br> Points - Loan Discount Fee paid by Borrower: $2,500.00<br> Underwriting Fee paid by Borrower: $1,995.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,745.00 exceeds fees threshold of $7,126.67 over by +$2,618.33.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $5,000.00<br> Points - Loan Discount Fee paid by Borrower: $2,500.00<br> Underwriting Fee paid by Borrower: $1,995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.931% exceeds APR threshold of 8.270% over by +0.661%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 8.907% exceeds APR threshold of 8.270% over by +0.637%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32950271 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $10510.24 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6555.62 | 8.375% | 360 |  | xx | xx |  | Conventional | ARM |  | Purchase | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 749 | 743 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx which originated on xx/xx/2022 and recorded on xx/xx/2022 with the instrument #xx.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2014.<br> The 2nd installment of county taxes for 2024/2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,111.59 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,555.62 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> Subject loan was approved under the no-ratio loan program.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Loan Program Info Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $25,963.50 exceeds fees threshold of $24,845.93 over by +$1,117.57.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $12,937.50<br> Points - Loan Discount Fee paid by Borrower: $10,781.00<br> Underwriting Fee paid by Borrower: $1,995.00.<br>Loan failed Qualified Mortgage APR threshold test due to APR calculated 10.787% exceeds APR threshold of 9.350% over by +1.437%."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $25,963.50 exceeds fees threshold of $24,845.93 over by +$1,117.57.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $12,937.50<br> Points - Loan Discount Fee paid by Borrower: $10,781.00<br> Underwriting Fee paid by Borrower: $1,995.00.<br>Loan failed GSE (Fannie Mae public guidelines) QM APR threshold test due to APR calculated 10.787% exceeds APR threshold of 9.350% over by +1.437%. Subject loan is escrowed.<br>This loan failed the GSE (Freddie Mac public guidelines) HPML loan type test due to the loan 7/1 or 10/1 ARMs, or 7/6-month or 10/6-month ARMs."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the ARM disclosure was not provided. Review of the loan files shows ARM disclosure is missing from the loan documents. Further details are not provided."<br> \* Loan program disclosure missing or unexecuted (Lvl 3) "ARM loan program disclosure is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.321% exceeds APR threshold of 8.600% over by +0.721%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 9.321% exceeds APR threshold of 8.600% over by +0.721%. The subject loan is escrowed. <br>Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 10.787% exceeds APR threshold of 8.600% over by +2.187%. Subject loan is escrowed." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15774298 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $0.00 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2187.40 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Co-op | xx | xx | Primary | Yes | Yes | No | 788 | 794 | 20.449% | First | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx with instrument #xx in the amount of xx with MERS as nominee for xx No active judgments or liens have been found. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,187.40 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,187.40 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. No evidence has been found regarding the foreclosure proceedings. As per PACER report, the borrower has not filed bankruptcy since loan origination. No information has been found related to damage or repairs. As per the tape data, the property is owner-occupied. BWR1 has 6 years on the job as an assistant business xx with xx. BWR2 has 2.58 years on the job as an xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject property is a coop, and the BWR's EAD status of CO8 status is not allowed. The C08 code indicates that the individual has a pending application for asylum. BWR is a non-permanent resident alien. Further details not provided."<br> \* Type of Ownership is Leasehold or Cooperative (Lvl 3) "The property is a unit in a cooperative. The subject leasehold agreement is located at xx, and the leasehold term expires on xx/xx/2059, and the mortgage matures on xx Elevated for client review." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32939093 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | New York | xx | xx | xx | Connecticut | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6404.10 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2198.01 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Investor | Yes | Yes | No | 784 | 771 | 45.381% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with xx.<br> There is a civil judgment found against the borrower in favor of the People of the State of xx in the amount of xx which was recorded on xx.<br> The annual county taxes for 2025 were paid in the amount of xx on xx/xx/2025.<br> The 1st and 2nd installments of combined taxes for 2024 were paid in the amount of xx on xx/xx/2024 & xx/xx/2024.<br> The annual utilities charges for 2024 were paid in the amount of $780.66 on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,888.14, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,198.01 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> As per the tape data, the property is an investment.<br> BWR has 7 years on the job as a xx with xx. <br> BWR2 has 6.41 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report in the loan file is as is, and the photo addendum reflects the missing portion of flooring in the kitchen. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Property Marketability Issues (Lvl 3) "The tape and appraisal report show the property appraised as a two-unit property that actually is an SFR with an ADU. Further details are not provided. xx search shows an estimated value of $xx. Current UPB xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14131566 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2950.58 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1315.49 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 750 | Not Applicable | 40.223% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st installment of annual county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> The 2nd installment of annual county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,813.84 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,315.49 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape data, the subject property is owner-occupied.<br>Borrower has 2.25 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property Marketability Issues (Lvl 3) "Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property, valued at $xx. xx search shows an estimated value of $xx. Current UPB is $xx." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2023 does not reflect Rate Lock extension. CD dated xx/xx/2023 reflects Rate Lock extension at $448.63.<br> Loan estimate dated xx/xx/2023 does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/2023 reflects Appraisal Re-Inspection Fee at $200.00.<br> Loan estimate dated xx/xx/2023 reflects Appraisal Fee at $550.00. CD dated xx/xx/2023 reflects Appraisal Fee at $650.00.<br> This is a cumulative increase in fee of $748.63 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | No Result | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 419450 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5183.60 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1593.15 | 5.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | Yes | 714 | Not Applicable | 49.893% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor ofxx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 have been paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,432.73, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,593.15 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $1,593.15 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the tape data, the property is owner-occupied.<br>BWR has been SE for 3.25 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) "Loan fails qualified mortgage lending policy points and fees test due to fees charged $9,542.75 exceed fees threshold of $7,843.72 over by +$1,699.03. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,852.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,542.75 exceed fees threshold of $7,843.72 over by +$1,699.03. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,852.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 49.89%. Tape shows undisclosed debt. Revised DTI is 57.83%. Further details not provided. BWR defect. Subject loan originated on xx and the 3-year SOL is active. BWR has been SE for 3.25 years at xx since inception, $xx equity in the subject and $2,056 residual income."<br> \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to in the amount of $907.56." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15838732 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6041.87 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2532.23 | 5.625% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable | Unavailable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 741 | 664 | 54.199% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is a UCC lien found against the subject property in favor of xx, which was recorded on xx.<br> There is a state tax lien found against the borrower in favor of the State of xx, in the amount of $746.91, which was recorded on xx<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 & xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,124.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,532.23 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> The appraisal report is subject to. As per the photo addendum located at (xx), the subject property needs multiple repairs. The 1004D located at xx states the requirements are not completed. There is no evidence to confirm the exact cost and current status of repairs. CCs do not show damages.<br> As per the tape data, the subject property is owner-occupied.<br> BWR1 has 1 year on the job as a xx with xx. <br> BWR2 has 41 years and 3 months on the job as a xx with xx.<br> BWR3 received social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Condo/PUD Rider<br> Missing Initial Closing Disclosure<br> Missing Initial LE<br> Mortgage Insurance<br> Notice of Servicing Transfer<br> Transmittal (1008) | xx | 3: Curable |  | \* Condo / PUD rider Missing (Lvl 3) "Appraisal shows subject property type is PUD. PUD rider is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show MI disclosed a term of 5 years and it was supposed to be 30 years. MI certificate is missing from the loan file. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "FHA mortgage insurance certificate is missing from loan documents."<br> \* Missing Initial Closing Disclosure (Lvl 3) "Initial CD is missing from the loan documents."<br> \* Missing Initial LE (Lvl 3) "Initial LE is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) "Servicing transfer disclosure is missing from the loan documents." | \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance charge disclosed on Final CD as $494,942.11. Calculated finance charge is $508,205.31 for an under disclosed amount of -$13,263.20.<br>Loan failed TILA APR test due to APR calculated 6.091% exceeds APR threshold 6.239% over by -0.148%.<br>This loan failed TRID total of payments test due to charge $937,152.11 allow $950,326.31 less by -$13,174.20."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "TRID tolerance test is incomplete due to Initial LE and Initial CD are missing from loan documents."<br> \* Transmittal (1008) is Missing (Lvl 2) "Final transmittal summary is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56701866 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4300.90 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6598.86 | 10.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 753 | 766 | 19.010% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,160.37 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,598.86 with an interest rate of 10.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR1 has been SE for 4 years at xx. BWR2 has 1.41 years on the job as a business xx at xx. BWR2 has prior employment experience as a xx for 1.91 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject is HPML and the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. BWR received appraisal on 1/xx/25 and loan closed on 1/xx/25. xx shows an estimated value of $xx. Current UPB $xx."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.214% exceeding the APR threshold of 8.570% by +1.644%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 11856320 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6558.13 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2289.93 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 783 | Not Applicable | 49.369% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,888.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,289.93 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per the servicing comment dated xx/xx/2024, the subject property is owner-occupied.<br>BWR started the new job on xx/xx/2024 as an operations project xx with xx. Previously, BWR had 6.08 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject was approved at 49.36%. Tape shows income miscalculation. Revised DTI is 52.41%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR started the new job on xx/xx/2024 as an xx with xx. Previously, BWR had 6.08 years on the job as a process xx since inception, $xx equity in the subject and $5,155 residual income.<br>Downgraded to LVL2 as per PH." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32901938 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $660.48 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1535.37 | 7.490% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 638 | Not Applicable | 39.910% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,902.83, which was applied for the due date of xx/xx/2025. The current P&I is $1,535.37 with an interest rate of 7.490%. The current UPB is xx.<br>| Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has 2 months on the job as a xx with xx. Previously, BWR had 8.91 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $340,320.03. Calculated finance charge is $340,949.46 for an under disclosed amount of -$629.43.<br>Loan failed TILA foreclosure rescission test. Finance charge disclosed on final CD as $340,320.03. Calculated finance charge is $340,914.46 for an under disclosed amount of -$594.43."<br> \* Fair Market Value of Homestead Property Acknowledgment is missing from the loan file (Lvl 3) "Fair market value of homestead property acknowledgment disclosure is missing from the loan documents. Appraisal is in file to calculate LTV."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,588.00 exceeds fees threshold of $6,353.45 over by +$234.55. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,143.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $770.00<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $6,588.00 exceeds fees threshold of $6,353.45 over by +$234.55. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,143.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $770.00"<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) "Home equity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation disclosure is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan cannot be manually UW as the BWRs FICO score of 638 is less than the minimum required score of 640 and the loan is not salable to Freddie Mac as LPA was not run prior to closing. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by borrower is missing from loan file." | \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.869% exceeds APR threshold of 7.860% over by +0.009%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.869% exceeds APR threshold of 7.860% over by +0.009%. Subject loan is escrowed." |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 83370889 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $8662.33 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3096.54 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 792 | Not Applicable | 49.392% | First | Final policy | Not Applicable | Not Applicable |  | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with the lender MERS as nominee for xx, for the amount of xx <br> No active liens or judgments have been found against the borrower or subject property.<br> The annual combined taxes for 2024 were paid in the amount of xx<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,335.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,096.54 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> PH shows a large payment of xx in Jan-25. As per the seller's response, the amount is paid by BWR.<br>| Collections Comments:The loan is currently performing.<br> According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is xx. <br> The foreclosure was not initiated. <br> The borrower did not file bankruptcy.<br> As per the comment dated xx/xx/2024, the subject property is owner occupied.<br> No comment pertaining to the damage to the subject property has been observed.<br> BWR has 3 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 49.39%. Tape shows an undisclosed IRS debt with a monthly payment of $220. Revised DTI is 51.01%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3 years on the job as a xx, FICO 792, 0X30 since inception, $xx equity in the subject and $6,560 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $557.00. CD dated 0xx/xx/2024 reflects Points - Loan Discount Fee at $3,327.00. This is an increase in fee of +$2,770.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 75159358 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $6062.43 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $388.89 | 8.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 812 | 813 | 45.882% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for x<br> There is a prior mortgage against the subject property in the favor of MERS as nominee for xx in the amount of xx which was recorded on xx<br> The first, second, and third installments of county taxes for 2025 were paid in the amount of $4,632.96.<br> The fourth installment of county taxes for 2025 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $388.89, which was applied to the due date of xx/xx/2025. The current P&I is $388.89 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property was occupied by the owner. CCs do not show any damage. <br> BWR1 receives social security income. <br> BWR2 receives social security and retirement income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape and infinity compliance result shows the loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period as the APR became inaccurate."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2024 reflect Loan Origination Fee at $300.00. Final CD dated xx/xx/2025 reflects Loan Origination Fee at $500.00. This is an increase in fee of +$200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx and the 3-year SOL is active."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 6777251 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Connecticut | xx | xx | xx | Connecticut | xx | xx | Not Applicable | Yes | Not Applicable | First |  | $0.00 | $6284.46 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1629.99 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | Not Applicable | xx | Primary | Yes | Yes | No | 748 | Not Applicable | 30.208% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in the amount of xx with the lender, xx, which was recorded on xx<br> The first and second installments of county taxes for 2023 were paid in the amount of xx.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,355.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,629.99 with an interest rate of 7.000%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,355.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,629.99 with an interest rate of 7.000%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied. <br>BWR has 14.5 years on the job as a xx xx. BWR has 14.5 years on the second job as a xx xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB $xx."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows AUS was invalidated as scores from 2 credit bureaus were frozen in the updated credit report. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Revised Loan Estimate is missing (Lvl 3) "Revised loan estimate is missing from the loan documents and document tracker is available at Pg#30." |  |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 52508670 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Virginia | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2490.78 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1448.13 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 804 | 776 | 36.071% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is a junior mortgage that was originated on xx and recorded on xx with instrument # xx in the amount of xx with xx.<br> The first and second installments of county taxes for 2024 were paid in the amount of xx on xx/xx/2024 & xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,751.61, which was applied for the due date of xx/xx/2025. The current P&I is $1,448.13 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> As per the tape data, the property is owner-occupied.<br> BWR has 1.08 years on the job as a xx, BWR has 3 years on the job as a xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2024 reflects the sum of Section C fees and Recording fee at $2,099.33. Final CD dated xx/xx/2024 reflects the sum of Section C and Recording fee at $2,334.53. This is a cumulative increase of $25.27 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase, originated on xx and the 3-year SOL is active."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows BWRS net worth of $xx exceeds the guideline limit of more than 50% of the sales price and is not eligible for a VA grant DPA used on the subject loan. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76776468 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Georgia | xx | xx | xx | Georgia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5332.29 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1700.05 | 2.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 727 | Not Applicable | 50.119% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as a nominee for x<br> There are four state tax liens in favor of the xx, in the total amount of xx which were recorded on different dates. The provided SSN # is inconsistent with the borrower's SSN #.<br> There is an IRS lien in favor of the Department of the xx, in the amount of xx which was recorded on xx/xx/2020. The provided SSN # is inconsistent with the borrower's SSN #.<br> There is a notice of hospital lien against the borrower "xx," in favor of xx, in the amount of xx which was recorded on xx/xx/2024.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,585.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,700.05 with an interest rate of 2.990%. The current UPB reflected as per the payment history is xx. The deferred balance is xx. Tape shows the borrower was approved for a Forbearance plan from 8/2021-1/2022 and the deferral was applied in the amount of xx to bring loan current. Second forbearance plan from 12/2022-4/2023. No other evidence has been found for deferred balance. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19.<br> As per the comment dated xx/xx/2024, the subject property is owner-occupied.<br> Unable to determine the RFD.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 1 month on the job as an xx. Previously, BWR had 4 months on the job as an xx. between xx/xx/2020 and xx/xx/2020, and prior to that, BWR had 7 months on the job as a xx at xx between xx/xx/2019 and xx/xx/2020.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the borrower was approved for a Forbearance plan from 8/2021-1/2022 and the deferral was applied in the amount of xx to bring loan current. Second forbearance plan from xx | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 50.11%. Tape shows two undisclosed installment debts with a total monthly payment of $3,859 were opened prior to closing. Revised DTI is 84%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has 1 month on the new job as an Hxxwith xx in last 24 months, $xx equity in the subject and $1,800 residual income."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 50.11%, as the borrower's income is $11,250.00 and total expenses are in the amount of $5,638.44. The loan was underwritten by LP (Locator# xx), and its recommendation is Accept with a DTI of 50.00%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58178424 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $10386.23 | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $3124.72 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 799 | Not Applicable | 29.788% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> No active judgments or liens were found.<br> The 2024 combined annual taxes were an overpayment in the amount of xx on xx/xx/2025.<br> The 2024 combined annual taxes were paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | The loan originated on xx/xx/2025, and the first pay date is xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower is current with the loan. The next due date is xx/xx/2025. The current P&I is $3,124.72 with an interest rate of 6.625%. The current UPB is xx. | Collections Comments:The current status of the loan is performing.<br> The loan originated on xx/xx/2025, and the first pay date is xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower is current with the loan. The next due date is xx/xx/2025. The current UPB is xx<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per the tape, the subject property is owner-occupied.<br> BWR has been SE for 6 years with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "Loan failed TILA finance charge test. Finance charge disclosed on final CD as $645,296.39. Calculated finance charge is $645,501.14 for an under disclosed amount of -$204.75. Subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 does not reflect Lock Extension Fee. CD dated xx/xx/2025 reflects Lock Extension Fee at $976.00. This is an increase in fee of +$976.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the homebuyer education course was not completed by the borrower prior to closing. Further details not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28679382 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1260.18 | 01/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5629.01 | 6.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 786 | 747 | 46.791% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx.<br> The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,305.54 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,629.01 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> The occupancy of the subject property is unable to be determined.<br> BWR1 has 12.58 years on the job as a xxt with xx.<br> BWR2 has 1.33 years on the job as an xx with xx.<br> Previously, BWR2 had prior employment experience as an xx with xx for 2.41 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "As per the tape and Infinity compliance result, the loan fails the revised closing disclosure delivery date test as the APR became inaccurate, and changes before consummation require a new waiting period."<br> \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii)) The revised closing disclosure delivery requires a new waiting period and The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is greater than six business days.<br>Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 23420305 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1161.18 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2294.59 | 5.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | Other | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 794 | 764 | 42.951% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,644.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,294.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx<br> No foreclosure activity has been found.<br> No bankruptcy details have been found.<br> Unable to determine the current occupancy from the collection comments. <br> No damage or repairs have been found.<br> BWR1 has 1.58 years on the job as an xx with xx.<br> BWR1 had prior employment experience as a xx.<br> BWR2 has 1.91 years on the job as an xx with xx.<br> BWR2 had prior employment experience as an xx with xx for 1.25 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) "Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR continued to occupy the REO property. Further details not provided. Elevated for client review." |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as OO at 42.95%. Tape shows the subject is NOO due to occupancy misrepresentation as BWR continued to occupy the REO property, causing the lender to omit BWR's primary housing expense. Revised DTI is 70.94%. Further details not provided. BWR defect. Subject loan originated on xx and the 3-year SOL is active. BWR1 has 1.58 years on the job as an xx with xx, BWR2 has 1.91 years on the job as an xx with xx since inception, $xx equity in the subject, and $1,232 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $3,666.00. CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $8,192.51. This is an increase in fee of +$4,526.51. for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx and the 1-year SOL has expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30559191 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $918.00 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5971.01 | 8.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 723 | 802 | 48.711% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,859.51 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,971.01 with an interest rate of 8.00%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No information has been found regarding damages.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been SE for 12.58 years at xx. <br> BWR2 has 12.16 years on the job as a director with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.71%. Tape shows revised DTI of 50.51% exceeded the DTI limit of 50% for jumbo loan program. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has been SE for 12.58 years at xx. BWR2 has 12.16 years on the job as a xx with xx since inception, $xx equity in the subject, and $xx residual income."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 74779343 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | New York | xx | xx | xx | New York | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3340.36 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1611.77 | 7.749% | 360 |  | xx | xx |  | Commercial | Fixed |  | Cash Out | xx | xx | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | No | No | 752 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xx in the amount of $225,000.00 with xx.<br> No active judgments or liens have been found.<br> The annual school taxes for 2024 were paid in the amount of xx<br> The annual combined taxes for 2025 were paid in the amount of xx<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,029.59 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,611.77, and the interest rate is 7.749%. The current UPB is xx. The comment dated xx/xx/2024 shows that 3 payments for the due dates from xx/xx/2024 to xx/xx/2024 has been deferred. | Collections Comments:The current status of the loan is performing. <br> According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2024, the RFD was excessive obligations. <br> No foreclosure activity has been found.<br> As per the comment dated xx/xx/2024, the subject property was damaged by the tenant, and BWR had repaired the property, and the cost of repairs was 20K. Further details were not provided. <br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the xx/xx/2024, the subject property is tenant-occupied. <br> BWR employment details are not available. Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br> BWR is an LLC, and the subject loan was approved as DSCR.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The appraisal report is as is, and the photos addendum reflects that the basement is damp and dripping with oil. 1004D, or the inspection report by a licensed professional, verifying if the oil spilling is a safety issue and affecting structural integrity, is missing from the loan documents. The final CD does not reflect any escrow holdback." | \* Property Marketability Issues (Lvl 3) "A xx search shows the subject is a farmhouse on xx, and they have summer festivals, music venues, and activities on the adjacent land. Further details not provided. xx search property estimated value of $xx. Current UPB: xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $20000.00 | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27873244 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3521.86 | 02/xx/2025 | Not Applicable | No | Loss Mitigation | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $651.13 | 3.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 684 | Not Applicable | 43.028% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx<br> There is a child support lien found against the borrower in favor of xx, which was recorded on xx<br> There are multiple state tax liens found against the borrower filed by different plaintiffs and recorded on different dates. The lien amount is not mentioned on the document.<br> There are multiple IRS liens found against the borrower in favor of the Internal Revenue Service, which were recorded on different dates. The lien amount is not mentioned on the document.<br> There are multiple civil judgments found against the borrower filed by different plaintiffs and recorded on different dates. The judgment amount is not mentioned on the document.<br> The 1st installment of county taxes for 2024/2025 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024/2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,487.83 which was applied for the due date of xx/xx/2025. The current monthly P&I is $651.13 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per servicing comment dated xx/xx/2024, the subject property is owner occupied.<br> As per the servicing comment dated xx/xx/2024, the reason for default is payment adjustment.<br> As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in 2024 and the notice of default was filed on xx/xx/2024. As per the servicing comment dated xx/xx/2024, the step sale was posted on xx/xx/2024. As per the comment dated xx/xx/2024, the foreclosure was put on hold due to reinstatement. As per servicing comment dated xx/xx/2024, the foreclosure file closed. Further details were not provided.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR2 has been SE for 14 years at xx. <br>Foreclosure Comments:As per the servicing comment dated xx/xx/2024, the foreclosure was initiated in xx and the notice of default was filed on xx As per the servicing comment dated xx/xx/2024, the step sale was posted on xx As per the comment dated xx/xx/2024, the foreclosure was put on hold due to reinstatement. As per servicing comment dated xx/xx/2024, the foreclosure file closed. Further details were not provided.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Affiliated Business Disclosure<br> Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 43.02%. Tape shows the P&L statement used was incorrect. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is expired. BWR 2 has been SE for 14 years at xx, and $xx equity in the subject."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 2) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 2) "The borrower's intent to proceed is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Missing Required Disclosures (Lvl 2) "Settlement services provider list is missing from the loan documents."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 43.028%, as the borrower income is $3,728.88 and total expenses are in the amount of $1,604.48 and the loan was underwritten by DU (xx) and its recommendation is "Approve/Eligible" with a DTI of 43.028%."<br> \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The affiliated business disclosure is missing from the loan documents." |  | Elevated | Pass | Pass | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12551708 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Arizona | xx | xx | xx | Arizona | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2746.76 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2432.80 | 3.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 783 | Not Applicable | 45.511% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for Leader xx.<br> No active judgments or liens have been found.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $2,749.21. The current P&I is $2,432.80 with an interest rate of 3.250%. The current UPB reflected as per the payment history tape data is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed. CCs do not show any damage. <br> BWR has been SE for 31.66 years at xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "Tape shows the subject property does not meet FNMA guidelines for SFR property with an ADU, as the subject property is an SFR with two ADUs. One ADU consisting of 2 bedrooms and 2 baths and another studio ADU consisting of one bathroom with a fully functioning kitchen. The comps selected are not similar, and the appraiser used large adjustments. The appraisal report is missing from the loan documents. xx search shows an estimated value of $xx. Current UPB xx. |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19642333 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2157.60 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $445.59 | 6.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 802 | 807 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with book/page #xx in the amount of xx with MERS as nominee for Leader xx.<br> No active judgments or liens have been found.<br> The 1st annual installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024.<br> The 2nd annual installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $732.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $455.59 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025 , the borrower is current with the loan, and the Next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR2 has 5 months on the job as anxx with xx. Additionally, BWR2 has 8.25 years on the job as a xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) "The tape and appraisal report show that an inspection for mold/mildew and foundation due to dampness by a licensed professional was required, and an inspection report verifying completion of mold remediation treatment is available. The foundation inspection report recommended certain remedies required to fix the dampness in the basement. 1004D, or the final inspection verifying completion of remedies suggested for the dampness issue in the basement, is missing from the loan file. The estimated amount of repairs is not available. The final CD does not reflect the escrow holdback." | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed the Kansas license validation test." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects points - loan discount fee at $1,180.00. Final CD dated xx/xx/2024 reflects points - loan discount fee at $1,235.68. This is an increase in fee of $55.68 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx and the 1-year SOL is expired."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31981335 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Kansas | xx | xx | xx | Kansas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5268.10 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1459.50 | 3.124% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 752 | 723 | 48.048% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,194.34(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,459.50 with an interest rate of 3.124%. The current UPB reflected as per the payment history is $316,650.72.<br> PH shows the deferred principal balance is xx.<br> PH shows a large payment of $7,170.36 in Oct-23 paid by BWR.<br>| Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the comment dated xx/xx/2023, the subject property is owner occupied.<br> As per the comment dated xx/xx/2023, the borrower's income was impacted by Covid-19. The Covid-19 forbearance plan was approved for 12 months from xx/xx/2022 to xx/xx/2023. <br> As per the comment dated xx/xx/2023, the Covid deferral plan was approved in the amount of $23,645.84. <br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 13.75 years on the job as a xx with xx.<br> BWR2 has 5.75 years on the job as an xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 48.04%. Tape shows BWR2 income miscalculation. Revised DTI is 50.30%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR1 has 13.75 years on the job as a xx; BWR2 has 5.75 years as an occupational therapist with Hillside Village of De Soto, FICO 723, $xx equity in the subject and $3,384 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "This loan failed the Kansas license validation test."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. The initial CD dated xx/xx/2021 reflects a lender credit of $479.22. The final CD dated xx/xx/2021 reflects a lender credit of $477.05. This is a decrease of $2.17 for a fee that has a 0% tolerance test. The subject loan is a refinance, originated on xx/xx/2021, and the SOL is 3 years."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by borrower is missing from loan file."<br> \* Qualified Mortgage DTI exceeds 43% (Lvl 2) "The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 48.05%, as the borrowers' income is $7,128.53 and total expenses are in the amount of $3,425.10, and the loan was underwritten by DU (xx), and its recommendation is 'Approve/eligible' with a DTI of 48.05%. The subject loan was originated on xx and the 3-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Not Covered | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 92790877 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Washington | xx | xx | xx | Washington | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4245.04 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2137.04 | 6.124% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 782 | Not Applicable | 40.307% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with Leader xx.<br> No active judgments or liens have been found. <br> The first and second installments of county taxes for 2024 were paid in the total amount of xx <br> The first and second installments of county taxes for 2025 are due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,544.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,137.04 with an interest rate of 6.124%. The current UPB reflected as per payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing<br> . As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. <br> The loan has not been modified since origination. <br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found. <br> No details pertaining to the damage to the subject property have been observed.<br> BWR receives pension income. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows a TRID violation as the 3-day waiting period between the initial CD and the final CD was not met. Infinity did not perform the regulatory compliance test as the subject loan is NOO." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7207573 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Alabama | xx | xx | xx | Alabama | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1246.91 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $874.96 | 6.125% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | xx | xx | Unavailable | Not Applicable |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 706 | Not Applicable | 44.868% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual combined taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,069.88 which was applied for the due date of xx/xx/2025. The current monthly P&I is $874.96 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the tape data, the subject property is owner-occupied.<br> BWR has 3 months on the job as an xx. Previously, BWR had 6.25 years on the job as a xx in the xx. Additionally, BWR receives VA benefits income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is subject to completion of repairs to damaged wood trim of the front upper window, 2nd floor entry door, and garage door trim. The estimated cost to cure is $750. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "The borrower's intent to proceed is missing from the loan documents."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows subject is uninsured by VA as the loan amount was $1.00 less than the required loan amount to activate additional entitlement. Further details not provided."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is purchase case. Final CD dated xx/xx/2024 reflects cash to in the amount of $1,462.23."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | No Result | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86998967 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2561.82 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1686.36 | 6.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 663 | 689 | 36.656% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is an active junior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx which originated on xx and recorded on xx with instrument \| Book/Page #xx <br> The 1st, 2nd, and 3rd installments of town taxes for 2025 were paid in the total amount of xx on different dates.<br> The 4th installment of town taxes for 2025 is due in the total amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,229.71 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,686.36 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed for bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> As per tape data, the subject property is owner-occupied. BWR1 has 21.66 years on the job as an xx with xx. BWR2 has 1.25 years on the job as a xx with xx. <br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape and infinity compliance report shows loan failed HPML test. The subject loan is escrowed."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* Cash out purchase (Lvl 2) "The subject loan is a purchase case. The final CD dated xx/xx/2024 reflects cash to be in the amount of $1,485.26."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.650% exceeding the APR threshold of 7.600% by +0.050%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed the MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.650% exceeding the APR threshold of 7.600% by +0.050%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 81666721 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Montana | xx | xx | xx | Montana | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2850.65 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2684.72 | 6.125% | 360 |  | xx | xx |  | FHA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 763 | 692 | 44.641% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The first installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> The second installment of combined taxes for 2024 is due in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,291.72(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,684.72 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> Unable to determine the reason for the default.<br> No post-close bankruptcy record has been found.<br> BWR1 has 13.5 years on the job as a xx with xx.<br> BWR2 has been SE for 10 years at xx.<br> BWR3 receives pension, SSI and VA benefits.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Points - Loan Discount Fee at $2,770.00. CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $5,134.29. This is an increase in fee of +$2,364.29 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and file show MIP was disclosed incorrectly for only 11 years at origination on LE and CD instead of being disclosed for the life of loan. Further details not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as 10/xx/2024. Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx." | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41735239 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Massachusetts | xx | xx | xx | Massachusetts | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $3582.77 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1965.30 | 7.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Other | Not Applicable | Not Applicable |  |  | Not Applicable | 2 Family | xx | xx | Primary | Yes | Yes | No | 780 | Not Applicable | 43.190% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of $295,400.00 in favor of MERS as nominee for xx.<br> There is an active junior subordinate mortgage against the subject property in favor of MERS as nominee for xx. in the amount of xx which originated on xx and was recorded on xx with instrument #xx.<br> There is a municipal lien on the subject property in favor of XX, Collector of Taxes XX, in the amount of $907.37, which was recorded on xx/xx/2024.<br> The 1st, 2nd, and 3rd installments of county taxes for 2025 were paid in the total amount of $2,698.76 on xx/xx/2024, xx/xx/2024, and xx/xx/2025.<br> The 4th installment of county taxes for 2025 is due in the total amount of xx on xx/xx/2025.<br> The annual water charges for 2025 have been delinquent in the amount of xx which was due on xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,472.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,965.30 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx.<br>| Collections Comments:The current status of the loan is collection.<br> According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The current P&I is $1,965.30 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx.<br> The reason for the default is not available.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per tape data, the property is owner-occupied.<br> BWR has 2.08 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2024 is more than 60 calendar days after the consummation date xx/xx/2024."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows MassHousing HFA program, not purchased by MassHFA because of borrower delinquency. See delinquency column S. Borrower has given no reason for default. He states he will be paying. Further details were not provided."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "Rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Moderate | Pass | Fail | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2922766 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2061.79 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1769.23 | 8.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | DSCR | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 709 | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,026.81 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,769.23, and the interest rate is 8.250%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The RFD is unable to be determined. <br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is non-owner-occupied. <br> Subject loan is NOO. BWR was qualified using the DSCR of the subject property.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "The tape shows EPD. As per the PH as of xx/xx/2025, the BWR is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Not Applicable | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49417057 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3197.93 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1981.82 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 720 | 766 | 46.409% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xx in the amount of xx with MERS as nominee for xx. No active judgments or liens have been found. The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,767.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,981.82 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. Unable to determine the occupancy of the subject property. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. BWR has 4.75 years on the job as a xx with xx. BWR2 receives monthly distribution income from a 401K account.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 46.40%. Tape shows the lender did not include 5% of the remaining balance of the collection account of $5,719 in DTI calculations. Revised DTI is 48.36%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 4.75 years on the job as a xx with xx; BWR2 receives monthly distribution income from a 401K account, FICO 720, 0X30 since inception, $xx equity in the subject, and $7,552 residual income. Review shows ATR confirmed." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 67407835 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $2968.45 | 03/xx/2025 | Unavailable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $579.41 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 761 | Not Applicable | 42.364% | First | Short Form Policy | Not Applicable | Not Applicable | 02/xx/2025 | $88354.45 | $27744.94 | 6.500% | $354.84 | 03/xx/2025 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is currently 2 months delinquent with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $822.16, which was applied for the due date of xx/xx/2024. The current monthly P&I is $579.41 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is foreclosure.<br> According to the payment history as of xx/xx/2025, the borrower is currently 2 months delinquent with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $579.41 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the reason for default is illness of the borrower.<br> The loan was modified on xx/xx/2025.<br> The foreclosure was initiated in 2024 with the loan. Further details are not provided.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found regarding the forbearance plan.<br> No information has been found related to damage or repairs.<br> As per servicing comment dated xx/xx/2024 the subject property is owner occupied.<br> BWR has 2.25 years on the job as a xx with xx.<br> Foreclosure Comments:The foreclosure was initiated in xx with the loan. Further details not provided.<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and the lender, xx, on xx As per the modified term, the new principal balance is xx. The monthly P&I is $354.84 with an interest rate of 6.500% beginning on xx and a maturity date of 2/xx/2065. The deferred balance is xx and the interest-bearing amount is $60,609.51. |  | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Seller tape defect shows due for 12/xx/24, workout modification in process. According to the payment history as of xx/xx/2025, the borrower is currently 2 months delinquent with the loan, and the next due date is xx/xx/2025. The current UPB is xx. The loan was modified on xx." | \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2023 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2024 reflectsAppraisal Re-Inspection Fee at $373.74. This is an increase in fee of +$373.74 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx and the 1-year SOL is expired." |  | Moderate | Pass | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 69758491 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Colorado | xx | xx | xx | California | xx | xx | Yes | Yes | Not Applicable | First |  | $0.00 | $1176.15 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1138.67 | 2.990% | 180 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 683 | Not Applicable | 29.418% | First | Final policy | Not Applicable | Not Applicable | 05/xx/2024 | $146470.49 | Not Applicable | 2.990% | $523.50 | 07/xx/2024 | Financial Hardship | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> There is a prior mechanics lien found against the subject borrower in favor of xx., in the amount of xx which was recorded on xx<br> There is a prior civil judgment found against the prior owner, xx, in favor of xx in the amount of xx which was recorded on xx.<br> The 2nd installment of county taxes for 2024 is due in the total amount of xx on xx/xx/2025.<br> The 1st installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,297.70, which was applied for the due date of xx/xx/2025. The current monthly P&I is $523.50 with an interest rate of 2.99%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2024, the reason for default is the death of the borrower's family member.<br> The loan was modified on xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the borrower was approved for a 3-month trial plan from xx/xx/2024 to xx/xx/2024.<br> As per the servicing comment dated xx/xx/2024, the subject property is non-owner occupied.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per the PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 3 years on the job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | The modification agreement was made between the borrower, xx, and lender, xx, on xx As per the modified term, the new principal balance is xx The monthly P&I is $523.50 with an interest rate of 2.99% starting on xx and a maturity date of 6/xx/2064. There is no deferred balance and principal forgiven amount. The loan has been modified once since origination. | Appraisal (Incomplete) | xx | 3: Curable |  | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The appraisal report is as-is, and the supplemental/photo addendum shows the subject property has multiple repairs with a cost to cure of $xx. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan is NOO and was approved at 30.51%. Tape shows the lender did not include primary housing expense in the DTI calculation. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL has expired. BWR has 3 years on the job as a xxt at xx, and $xx equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 1336752 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Oregon | xx | xx | xx | Oregon | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $5570.73 | 04/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1287.47 | 3.990% | 60 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | Not Applicable | xx | Primary | Yes | Yes | No | 700 | Not Applicable | 42.084% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens were found.<br> The annual county taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,760.17 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,287.47 with an interest rate of 3.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The reason for the default is unable to be determined.<br> No post-close bankruptcy record has been found.<br> No foreclosure activity has been found.<br> No information has been found regarding the forbearance plan.<br> No details pertaining the damage to the subject property have been observed.<br> As per tape data, the subject property is owner-occupied.<br> BWR has been SE for 3 years at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete)<br> Balloon Rider<br> Origination Appraisal | xx | 3: Curable |  | \* Balloon Rider Missing (Lvl 3) "Balloon rider is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 3) "This loan failed the amortization test due to the loan has a date creditor received application after January xx, 2014 and the loan is not fully amortizing.<br>This loan failed the balloon payment test due to the loan provides for a balloon payment. Freddie Mac will no longer purchase balloon/reset mortgages.<br>This loan failed the qualified mortgage balloon payment test due to a qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment. This loan has a balloon payment."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape and review of the loan file show the subject is a 5-year balloon loan and the seller is looking to sell. Further details not provided."<br> \* Missing Appraisal (Lvl 3) "Subject loan closed without appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) "Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB is xx."<br> \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 4.175% exceeds APR threshold of 4.100% over by +0.075%. Subject loan is escrowed."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.197% exceeds APR threshold of 4.100% over by +0.097%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d)."<br> \* Required Documentation Missing (Lvl 2) "Loan approval is missing from the loan documents." |  | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47503916 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2621.57 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $389.29 | 7.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Secondary | Yes | Yes | No | 810 | Not Applicable | 42.609% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $572.32 which was applied for the due date of xx/xx/2025. The current monthly P&I is $389.29 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the reason for the default.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR received social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock |  | 3: Curable |  | \* Compliance Testing (Lvl 3) "Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $3,585.55 exceed Fees threshold of $2,526.65 over by +$1,058.90. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,595.55<br> Processing Fee paid by Borrower: $295.00<br> Underwriting Fee paid by Borrower: $1,695.00"<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) points and fees test due to Fees charged $3,585.55 exceeds fees threshold of $2,526.65 over by +$1,058.90.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,595.55<br> Processing Fee paid by Borrower: $295.00<br> Underwriting Fee paid by Borrower: $1,695.00" | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 42.60%. Tape and appraisal show special assessment of $72 per month was not verified and not included in the DTI. Revised DTI is 43.49%. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR received social security income. FICO 810, $xx equity in the subject, and $4,596 residual income. Review shows ATR confirmed."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 reflects Points - Loan Discount Fee at $1,585.00, CD dated xx/xx/2023 reflects Points - Loan Discount Fee at $1,595.55. This is an increase in fee of +$10.55 for charges that cannot increase. Subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Not Covered | Pass | Pass | Not Covered | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40200834 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Michigan | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $1823.77 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $638.62 | 6.500% | 360 |  | xx | xx |  | FHA | Fixed |  | Cash Out | xx | xx | Full Documentation | No | xx | xx | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 649 | Not Applicable | 54.126% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with Instrument # xx in the amount of xx.<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for xx in the amount of xx which originated on xx and was recorded on xx/xx/2013 with the instrument xx.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $920.95, which was applied for the due date of xx/xx/2025. The current P&I is $638.62 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the tape data, the subject property is owner-occupied.<br> Unable to determine the reason for the default.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> No details pertaining to the damage to the subject property have been observed.<br> BWR has 5.4 years on the job as a xx at xx. Additionally, BWR has 6 months on the second job as a xx at xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Mortgage Insurance | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 54.13%. Tape and review show subject is a refinance of the tax redemption of the prior FC. Lender defect. Subject loan originated xx and the 3 year SOL is active. BWR is employed with xx for 5 years. FICO 649. $xx equity in the subject and $1,291 residual income." | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects Lender Credit at $2,000.00. Final CD dated xx/xx/2024 reflects Lender Credit at $0.00. This is decrease of $2,000.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance, originated on xx and the SOL is 3 year."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows a defect: the home is in foreclosure. There is no foreclosure activity found in the loan file. Further details are not available."<br> \* MI, FHA or MIC missing and required (Lvl 3) "Mortgage insurance certificate is missing from loan documents." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 26383609 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Michigan | xx | xx | xx | Virginia | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $366.75 | 04/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $857.12 | 7.125% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Manufactured Housing | xx | xx | Primary | Yes | Yes | No | 764 | Not Applicable | 42.183% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The 1st and 2nd installments of county taxes for 2024 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,035.19 which was applied for the due date of xx/xx/2025. The current monthly P&I is $857.12 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 20.25 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Property is Manufactured Housing (Lvl 3) "As per the appraisal report, which is located at xx, the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx and 19 state that the manufactured home with serial # xx has been affixed to the permanent foundation. The short form title policy schedule B located at xx TP shows an exception for the affidavit of affixture of mobile home." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 42.18%. Tape shows BWR receives no continued income after military service. Further details not provided. Lender defect. The subject loan was originated on xx and the 3-year SOL is active. BWR has 20.25 years on the job as a xxr with xx since inception, and $xx equity in the subject. Review shows BWR is xx and will receive a pension upon leaving the service. ATR confirmed." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 4334042 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | New Hampshire | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3372.33 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $755.57 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 797 | Not Applicable | 47.840% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The annual installment of County taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,168.03 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $755.57 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> The comment dated xx/xx/2025 shows that the subject property is owner-occupied.<br> As per the comment dated xx/xx/2024, the RFD is that the borrower's property was impacted by the hurricane.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br>BWR has 1 year on the job at xx. Previously, BWR was an xx for 23.58 years.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject was approved at 47.84%. Tape shows tip income used to qualify is not supported with prior receipt history. The revised DTI is 60.80%. Further details not provided. Lender defect. The subject loan was originated on xx and the 3-year SOL is active. BWR has 1 year on the job at xx. Previously, BWR was an SE at xx for 23.58 years, FICO 797, 0X30 since inception, $xx equity in the subject, and $1,062 residual income." | \* ROR not hand dated by borrower(s) (Lvl 3) "ROR is not hand dated by borrower." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44595560 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Not Applicable | xx | xx | No | Yes | Not Applicable | Other |  | $0.00 | $2041.69 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $640.32 | 6.625% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 683 | Not Applicable | 39.529% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> There are three prior mortgages against the subject property. The first mortgage originated on xx/xx/1987 in favor of the xx, in the amount of xx which was recorded on xx/xx/1987. The second mortgage originated on xx/xx/2002 in favor of the xx, in the amount of xx which was recorded on xx The third mortgage originated on xx/xx/2003 in favor of the xx in the amount of xx which was recorded on xx/xx/2004.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,195.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $640.32 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the occupancy of the subject property.<br> BWR has 42.08 years on the job as a xxr at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2023 does not reflect Points - Loan Discount Fee. Final, CD dated xx/xx/2024 reflects Points - Loan Discount Fee at $1,139.00. This is an increase in fee of $1,139.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx and the SOL is 3 years."<br> \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) "Home equity loan copies of documents are missing from the loan documents."<br> \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) "Home equity loan interest and fees pre-closing disclosure is missing from the loan documents."<br> \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) "Home equity loan notice of address for borrower notification of violation is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 39.52%. Tape shows undisclosed mortgage debt opened prior to closing. Revised DTI is 89%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 42.08 years on the job as a xx at xx, $xx equity in the subject, and $573 residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 55366322 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3001.72 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $951.09 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Low Rise Condo (1-4 Stories) | xx | xx | Primary | Yes | Yes | No | 740 | 746 | 41.932% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx. No active judgments or liens were found. The annual combined taxes for 2024 were paid in the amount of xx on xx. No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,314.66, which was applied for the due date of xx/xx/2025. The current monthly P&I is $951.09 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx. The reason for the default is unable to be determined. No post-close bankruptcy record has been found. No foreclosure activity has been found. No information has been found regarding the forbearance plan. No details pertaining to the damage to the subject property have been observed. The occupancy of the subject property is unable to be determined. BWR1 has been an SE for 3 years at xx BWR2 has 19.66 years on the job as a xxe with xx. BWR3 has 1 year on the job as a xxn with xx and xx. BWR3 has prior employment experience as axx with xx for 4.67 years. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "Subject loan was approved at 41.93%. Tape shows lender did not establish stability of SE income. Revised DTI is 83%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR1 has been an SE for 3 years at xx; BWR2 has 19.66 years on the job as a xx e with xx; BWR3 has 1 year on the job as a xx, FICO 740, $xx equity in the subject, and $1,143 residual income." |  | \* Compliance Testing (Lvl 2) "This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "TILA Finance charge disclosed on Final CD as $202,172.77. Calculated finance charge is xx for an under disclosed amount of -$4,260.76. The subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. Loan failed TILA APR test due to APR calculated 7.144% exceeds APR threshold 7.446% over by -0.302%. The subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges than in total cannot increase more than 10% tolerance test. CD dated xx/xx/2023 reflects Walls In Insurance Fee at $1,167.00. This is a cumulative increase of $1167.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx and the SOL is 1 year."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." |  | Moderate | Pass | Fail | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80794033 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6439.87 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5199.50 | 4.990% | 360 |  | xx | xx |  | VA | Fixed |  | Refinance | xx | xx | Streamline Refinance | Yes | xx | xx | xx |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 722 | 741 | Unavailable | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,967.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,199.50 with an interest rate of 4.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:As per the review of the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape, the subject property was occupied by the owner. CCs do not show any damage.<br> The subject loan was approved as a streamline refinance.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Initial Escrow Acct Disclosure | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the subject loan does not meet GNMA seasoning period requirements. Further details not provided." | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) "Initial escrow account disclosure signed by the borrower is missing from the loan documents." |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22964226 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $19606.18 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1524.77 | 7.875% | 240 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | Not Applicable | xx | Primary | Yes | Yes | No | 753 | 767 | 49.986% | Second | Unavailable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> There is an active prior mortgage against the subject property in favor of MERS as nominee for State xx in the amount of xx which was originated on xx and recorded on xx/xx/2016 with the instrument #xx<br> There is a prior IRS lien found against the borrower in favor of the xx in the amount of xx which was recorded on xx/xx/2014.<br> There is a prior state tax lien found against the borrower in favor of the xx, State of xx in the amount of $211.16, which was recorded on xx/xx/2018.<br> The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of $19,606.18 on xx/xx/2025 and xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,524.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,524.77 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> Unable to determine the occupancy of the subject property.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR is self-employed and has been running multiple businesses for 17 years.<br> BWR2 is self-employed and has been running multiple businesses for 4.4 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Appraisal (Incomplete) | xx | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) "The subject loan was approved at 49.98%. Tape shows an SE income miscalculation as the lender did not consider the loss in business reflected on recent-year tax returns. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR is self-employed and has been running multiple businesses for 17 years. BWR2 is self-employed and has been running multiple businesses for 4.4 years, FICO 753, 0X30." | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) "The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A xx search shows an estimated value of $2,408,200. Current UPB is $xx."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "TRID violation due to decrease in lender credit on initial CD dated xx/xx/2024. Initial LE dated xx/xx/2024 reflects lender credit at $2,903.00. Final CD dated xx/xx/2024 reflects lender credit at $943.00. This is decrease of $1,960.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br> The subject loan is a refinance case, originated on xx and the 3-year SOL is active." | \* ROR not hand dated by borrower(s) (Lvl 2) "ROR is not hand-dated by the borrower." |  | Moderate | Pass | Pass | Pass | Pass | Pass | No Result | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59994689 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $3665.57 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $830.79 | 6.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 785 | 815 | 55.645% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The combined annual taxes for 2024 were paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $830.79, which was applied for the due date of xx/xx/2025. The current P&I is $830.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current P&I is $830.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx.<br> The occupancy of the subject property is unable to be determined.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR1 has 29.91 years on the job as a xxwith xx.<br> BWR2 has 19.33 years on the job as an xx with the xx<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 44.93%. The tape shows BWR was not employed prior to closing and is now retired. The revised DTI is 77.13%. Further details not provided. BWR defect. The subject loan was originated on xx and the 3-year SOL is active. BWR1 has 29.91 years on the job as a xx. BWR2 has 19.33 years on the job as an admin assistant-HR with the State of xx since inception, and $xx equity in the subject." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90084539 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Ohio | xx | xx | xx | Ohio | xx | xx | No | Yes | Not Applicable | First |  | $644.58 | $585.98 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1656.93 | 7.375% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 751 | Not Applicable | 47.462% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx in favor of MERS as nominee for xx, for the amount of xx which was recorded on xx No active judgments or liens have been found. The first installment of county taxes for 2024 is delinquent in the amount of $644.58, which is good through xx/xx/2025. The second installment of county taxes for the year of 2024 is due in the amount of xx on xx/xx/2025. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,161.30, which was applied for the due date of xx/xx/2025. The current P&I is $1,656.93 with an interest rate of 7.375%. The current UPB as per payment history is xx. | Collections Comments:The current status of the loan is performing. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per payment history is xx. Unable to determine the occupancy of the subject property. No post-close bankruptcy record has been found. No foreclosure activity has been found. No information has been found regarding the forbearance plan. No details pertaining to the damage to the subject property have been observed. BWR has 5.25 years on the job as an xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved as NOO at 47.46%. Tape shows rental income miscalculation. The revised DTI is 58.55%. Further details not provided. Lender defect. The subject loan was originated on xx and the 3-year SOL is active. BWR has 5.25 years on the job as an xx xx since inception, $xx equity in the subject, and $3,491 residual income.<br>Downgraded to LVL2 as per PH." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 53933606 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Texas | xx | xx | xx | Texas | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1832.94 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $5550.90 | 7.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 638 | Not Applicable | 44.656% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | As per the review of the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual combined taxes for 2024 were paid in the amount of $176.77 on xx/xx/2024.<br> The annual school taxes for 2024 were paid in the amount of xx on xx/xx/2025.<br> No prior year's delinquent taxes have been found. | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,688.44 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,550.90 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2025, the subject property is owner-occupied.<br> As per the servicing comment dated xx/xx/2025, the reason for default is curtailment of income.<br> No evidence has been found regarding the foreclosure proceedings.<br> As per PACER report, the borrower has not filed bankruptcy since loan origination.<br> No information has been found related to damage or repairs.<br> BWR has 14 years on the job as a xx of xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "Tape shows disclosed APR exceeds the APOR by 2.25%. Further details not provided. Infinity compliance result shows the loan failed the HPML and QM APR threshold test." | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) "Loan failed GSE (Fannie Mae public guidelines) QM APR Threshold Test due to APR calculated at 9.374% exceeds APR threshold of 9.050% over by +0.324%.<br>Loan failed Qualified Mortgage APR Threshold Test due to APR calculated at 9.374% exceeds APR threshold of 9.050% over by +0.324%."<br> \* Higher-Priced Mortgage Loan test Fail (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.426% exceeding the APR threshold of 8.300% by +1.126%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.374% exceeds APR threshold of 8.300% over by +1.074%." |  | Elevated | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80463158 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Alabama | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $0.00 | 04/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1103.78 | 5.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Investor | Yes | Yes | No | 772 | 723 | 45.388% | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and was recorded on xx in the amount of xx in favor of MERS as nominee for xx.<br> No active judgments or liens were found.<br> The combined annual taxes for 2024 have been exempt.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,330.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,103.78 with an interest rate of 5.50%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> The occupancy of the subject property is unable to be determined.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 11.16 years on the job as a xx with xx.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Property Marketability Issues (Lvl 3) "The tape shows the appraised value is not supported due to appraisal adjustments. The appraiser used large adjustments to arrive at an appraised value of $xx. Comp #2, with a sales price of xx, is closest to the subject property. Redfin search shows an estimated value of $xx. The current UPB is xx." |  |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71900439 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Illinois | xx | xx | xx | Illinois | xx | xx | No | Yes | Not Applicable | Second |  | $0.00 | $17487.72 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1551.83 | 9.000% | 180 |  | xx | xx |  | Conventional | Fixed |  | Refinance | xx | xx | Alternative | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 800 | Not Applicable | 11.998% | Second | Commitment | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx in the amount of xx with MERS as nominee for xx.<br> There is an active mortgage against the subject property, which was recorded prior to the subject mortgage. The prior mortgage was originated on xx and recorded on xx in the amount of xx with xx.<br> The first and second installments of county taxes for 2024 were paid in the amount of $17,487.72.<br> No prior year's delinquent taxes have been found. | The loan was originated on xx/xx/2025 with the first payment date of xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025, and the current P&I is $1,551.83 with an interest rate of 9.000%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> The loan was originated on xx/xx/2025 with the first payment date of xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025, and the current P&I is $1,551.83 with an interest rate of 9.000%. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been an SE for 10.75 years at xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 3: Curable |  | \* Compliance Testing (Lvl 3) "The tape shows the subject is an HPML loan, and a full appraisal with interior and exterior inspection was not documented on the loan. Infinity compliance report shows the subject loan passed the HPML test, and an exterior-only appraisal report is available in the file. The subject is second lien, and the first lien is escrowed. Further details not provided. xx search shows an estimated value of $xx. Current UPB is xx."<br> \* ComplianceEase Exceptions Test Failed (Lvl 3) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) "Loan failed qualified mortgage lending policy points and fees test due to fees charged $5,520.00 exceeds fees threshold of $4,387.87 over by +$1,132.13.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,695.00<br> Mortgage Broker Fee paid by Borrower: $3,825.00."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) "Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2025 does not reflect Appraisal Fee. Final CD dated xx/xx/2025 reflects Appraisal Fee at $450.00. This is an increase fee in the amount of +$450.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active.<br>TRID Violation due to decrease in lender credit on revised CD. Initial CD dated xx/xx/2025 reflects Lender credits at $4,398.75. Revised CD dated xx/xx/2025 reflects Lender credits at $4,016.25. This is a decrease of $382.50 for a fee which has 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active."<br> \* GSE Points and Fees Test Violations (Lvl 3) "Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,520.00 exceeds fees threshold of $4,387.87 over by +$1,132.13.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,695.00<br> Mortgage Broker Fee paid by Borrower: $3,825.00."<br> \* LE/CD Issue date test Fail (Lvl 3) "Loan failed ComplianceEase delivery and timing tests for the revised CD dated xx/xx/2025. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2025, which is after the consummation date of xx/xx/2025." |  |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Unavailable | Unavailable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15893415 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Florida | xx | xx | xx | Florida | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $4285.46 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1191.38 | 3.990% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 677 | Not Applicable | 39.526% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx.<br> There is a civil judgment against the borrower in favor of xx for the amount of xx recorded on xx/xx/2020. The SSN mentioned on the supporting document is inconsistent with the subject borrower.<br> There is a credit card judgment against the borrower in favor of xx. for the amount of xx recorded on xx/xx/2023.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found.<br>| According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,622.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,191.38 with an interest rate of 3.990%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the seller's tape, the subject property is owner occupied.<br> The loan has not been modified since origination.<br> No details pertaining to the damage to the subject property have been observed.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> BWR has 7 months on the job as a xx with xx. Additionally, BWR has 1.41 years on the job as a xx with xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing Initial Closing Disclosure<br> Missing or error on the Rate Lock | xx | 3: Curable |  | \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the wire was received on xx/xx/2025 and needs full PH and CC for March 25. The PH is available until xx/xx/2025, and the CC is missing for March 25. Further details not provided." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject loan was approved at 39.52%.Tape shows questionable income and lender did not verify BWR was SE. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is expired. BWR has 7 months on the job as xx. Additionally, BWR has 1.41 years on the job as a xx with xx., 0X30 last 24 months, FICO 677, and $xx equity in the subject."<br> \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) "The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2020, and the 1-year SOL is expired."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.029% exceeds APR threshold of 4.590% over by +0.439%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.029% exceeds APR threshold of 4.590% over by +0.439%. Subject loan is escrowed."<br> \* Missing Initial Closing Disclosure (Lvl 2) "Initial CD is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents." | \* Settlement date is different from note date (Lvl 1) "Final CD reflects closing date as 9/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx. Note date is xx." | Elevated | Pass | Pass | Pass | Not Covered | Pass | No Result | No Result | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88745236 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Colorado | xx | xx | xx | Colorado | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $6724.24 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $6625.93 | 7.500% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx | Unavailable |  | Not Applicable | 3 Family | xx | xx | Primary | Yes | Yes | No | 738 | 722 | 45.928% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with MERS as nominee for xx. No active judgments or liens have been found. The first installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2025. The second installment of county taxes for 2024 is due in the amount of xx on xx/xx/2025. The water charges for 2025 are due in the amount of $63.96 on xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,065.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,625.93 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. No details pertaining to the damage to the subject property have been observed. The loan has not been modified since origination. No foreclosure activity has been found. No post-close bankruptcy record has been found. As per the seller's tape data, the subject property is owner-occupied. BWR 1 has been an SE for 6.33 years at xx BWR 2 has 1.25 years on the job as a xx with xx. BWR 2 has prior employment experience as a xx with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Transmittal (1008) | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Transmittal (1008) is Missing (Lvl 3) "The final transmittal summary is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 45.92%. Tape shows rental and SE income miscalculation. Further details not provided. Revised DTI 60.90%. Lender defect. The subject loan was originated on xx and the 3-year SOL is active. BWR 1 has been an SE for 6.33 years at xx., with a FICO 722, $xx equity in the subject, 0X30 since inception and $8,125 residual income."<br> \* ComplianceEase Exceptions Test Failed (Lvl 2) "Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations."<br> \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) "Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated xx/xx/2024 does not reflect the credit tech and verification fee. The CD dated xx/xx/2024 reflects a credit tech and verification fee of $50.00. This is an increase in the fee of $50.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx and the 1-year SOL has expired."<br> \* Higher Price Mortgage Loan (Lvl 2) "Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 8.218% exceeds the APR threshold of 8.210% by +0.008%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d)." |  | Moderate | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62577219 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | North Carolina | xx | xx | xx | North Carolina | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2068.45 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2680.27 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Cash Out | xx | xx | Full Documentation | No | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 703 | Not Applicable | 48.175% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xx in the amount of $xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of combined taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,190.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,680.27 with an interest rate of 6.875%. The current UPB is xx. | Collections Comments:The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> As per the comment dated xx/xx/2025, the subject property was damaged due to a FEMA disaster. No comments have been found regarding the types of damages, estimated cost of repairs, and repair completions. <br> No foreclosure activity has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> As per the tape, the subject property is owner-occupied.<br>BWR has 22.58 years on the job as a xx.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 48.17%. Tape shows BWR had undisclosed debt. Revised DTI is 56%. Further details not provided. BWR defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 22.58 years on the job as a xx with xx since inception, $xx equity in the subject, and $4,024 residual income." |  | Minimal | Pass | Pass | Pass | Pass | No Result | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19253324 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Tennessee | xx | xx | xx | Pennsylvania | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $1340.00 | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $2670.42 | 6.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 794 | 792 | 49.492% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xx in the amount of xx with MERS as nominee for xx.<br> No active judgments or liens have been found.<br> The annual installment of county taxes for 2024 has been paid in the amount of xx on xx/xx/2024.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,989.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,670.42 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> The loan has not been modified since origination.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> Unable to determine the current condition and occupancy of the subject property.<br> BWR1 receives social security and retirement income.<br> BWR2 receives social security income.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject was approved at 49.49%. Tape shows PITI miscalculation of a HELOC loan. Revised DTI is 55.10%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR1 receives social security and retirement income; BWR2 receives social security income, xx, and $xx equity in the subject. $4205 residual income." |  | Minimal | Pass | Pass | Pass | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20162960 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Montana | xx | xx | xx | Georgia | xx | xx | No | Unavailable | Not Applicable | Unavailable |  | Unavailable | Unavailable | 03/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $780.79 | 6.700% | 360 |  | xx | xx |  | VA | Fixed |  | Purchase | xx | xx | Full Documentation | No | xx | xx | Unavailable |  |  | Not Applicable | Single Family | xx | xx | Primary | Yes | Yes | No | 820 | Not Applicable | 44.421% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Updated title report is missing. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,165.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $780.79 with an interest rate of 6.700%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> No foreclosure activity has been found.<br> No post-close bankruptcy record has been found.<br> As per the seller's tape data, the subject property is owner-occupied. CCs do not show any damage.<br> Borrower receives retirement, VA compensation, and social security income.<br>Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock<br> Mortgage Insurance | xx | 3: Curable |  | \* Cash out purchase (Lvl 3) "The subject loan is a purchase case. The final CD, dated xx/xx/2025, reflects cash in the amount of $169.35."<br> \* Loan does not conform to program guidelines (Lvl 3) "Tape shows the loan is non-saleable due to insufficient entitlement for VA guaranty. Further details are not provided."<br> \* MI, FHA or MIC missing and required (Lvl 3) "The VA Guaranty certificate is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 3) "The rate lock agreement signed by the borrower is missing from the loan documents." |  |  | Minimal | Pass | Pass | Pass | Not Covered | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56192856 | xx | xx |  |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | California | xx | xx | xx | California | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $2260.38 | 02/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $4430.18 | 7.875% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  |  | Not Applicable | PUD | xx | xx | Investor | Yes | Yes | No | 756 | Not Applicable | 46.652% | First | Final policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with Instrument # xx in the amount of xx with MERS as nominee for xx. No active judgments or liens found. The 1st and 2nd installments of county taxes for 2024/2025 were paid in the total amount of xx on xx/xx/2024 and xx/xx/2025. No prior year's delinquent taxes have been found. | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,430.18, which was applied for the due date of xx/xx/2025. The current P&I is $4,430.18 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | Collections Comments:According to the servicing comments, the current status of the loan is performing. According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx. No foreclosure activity has been found. No post-close bankruptcy record has been found. No details pertaining to the damage to the subject property have been observed. The occupancy of the subject property is unable to be determined. BWR has 10.66 years on the job as a xx with xx. <br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable |  | xx | 2: Acceptable with Warnings |  |  | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 46.65%. Tape shows the lender did not include taxes and insurance for the primary residence in the DTI calculation. Revised DTI at 59.94%. Further details not provided. Lender defect. The subject loan originated on xx and the 3-year SOL is active. BWR has 10.66 years on the job as a xxwith xx, $xx equity in the subject, 0X30 since inception and $6,715 residual income." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27631483 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Louisiana | xx | xx | xx | Unavailable | xx | xx | Yes | Yes | Not Applicable | First |  | $69.61 | $52.51 | 03/xx/2025 | Unavailable | No | Bankruptcy | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $618.60 | 9.750% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Unavailable | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | 05/xx/2022 | $83695.37 | Not Applicable | 3.125% | $305.68 | 07/xx/2022 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with Instrument #xx in the amount of xx with xx.<br> There is a civil judgment found against the borrower in favor of xx in the amount of xx which was recorded on xx/xx/2018.<br> The 2024 county annual taxes have been delinquent in the amount of $69.61, which were due on xx and good through xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $909.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $305.68 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2024, the xx payment was made by the borrower. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is xx.<br> As per the servicing comment dated xx/xx/2023, the borrower has received a claim for repairs due to the hurricane loss. The date of loss is xx/xx/2021, and the borrower received an insurance claim for the loss amount of $15,720.96. There is no evidence to confirm the current status of repairs.<br> The loan was modified on xx<br> The borrower filed for bankruptcy under Chapter 13 with case #xx on xx The bankruptcy was discharged on xx and terminated on xx<br> As per servicing comments dated xx/xx/2023, the foreclosure was initiated on this loan in xx As per servicing comments, the foreclosure was put on hold on xx due to bankruptcy. Further details are not provided.<br> The reason for default is not available.<br> The occupancy of the subject property is unable to be determined.<br>Foreclosure Comments:As per servicing comments dated xx/xx/2023, the foreclosure was initiated on this loan in xx and the foreclosure was put on hold on xx due to bankruptcy. Further details are not provided.<br> Bankruptcy Comments:According to the PACER, the borrower xx filed for bankruptcy under Chapter 13 with case #xx on xx As per voluntary petition schedule D (Doc# 6), the amount of the claim without deducting the value of the collateral is xx and the value of the collateral is xx The unsecured portion is $0.00. The POC xx-1) was filed by the creditor, xx., on xx for the secured claim amount of $80,650.38, and the amount of arrearage is xx The plan was confirmed on xx and modified chapter 13 plan was filed on xx/xx/2022. The borrower has promised to make monthly mortgage payments of $900.09 for 36 months to the trustee under the Chapter 13 plan. The plan reflects arrearage for subject loan in the total amount of xx and the trustee has committed to pay arrearage payments on a pro rata basis. The bankruptcy was discharged on xx and terminated on xx | The modification agreement was made between the borrower, xx, and the lender, xx., on xx As per the modified term, the new principal balance is xx The monthly P&I is $305.68 with an interest rate of 3.125% beginning on xx and a maturity date of 06/xx/2062. There is no deferred balance and principal forgiven amount. | Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents."<br> \* Missing Appraisal (Lvl 3) "The appraisal is missing from the loan documents. A xx search shows an estimated amount of $xx. The current UPB is $xx." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Yes | $15720.96 | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40716085 | xx | xx | xx |  | xx | xx | xx | xx | Not Applicable | Not Applicable | xx | xx | Wisconsin | xx | xx | xx | Unavailable | xx | xx | No | Yes | Not Applicable | First |  | $0.00 | $17972.00 | 03/xx/2025 | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1009.22 | 5.000% | 360 |  | xx | xx |  | Conventional | Fixed |  | Unavailable | xx | xx | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Not Applicable |  | Unavailable | Single Family | Not Applicable | Unavailable | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Short Form Policy | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with xx. No active judgments or liens have been found. The annual installment of county taxes for 2024 was paid in the amount of xx on xx/xx/2024. No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the total amount of $3,210.00 (PITI), which was applied on xx/xx/2025. The current P&I is $1,009.22 with an interest rate of 5.00%. The current UPB reflected as per the payment history tape data is xx. As per the collection comment dated xx/xx/2024, the payments made in Oct 2024 are borrower payments. | Collections Comments:According to the servicing comments, the current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history tape data is xx.<br> No details pertaining to the damage to the subject property have been observed.<br> As per the BPO report (xx) dated xx/xx/2024, the subject property is occupied by the owner. <br> The loan has not been modified since origination.<br> The review of the collection comment states that the foreclosure was initiated on xx/xx/2022. The comment dated xx/xx/2022 shows that the foreclosure file was closed due to reinstatement. Further details not found.<br> No post-close bankruptcy record has been found. <br> The comment dated xx/xx/2023 shows that the RFD is illness of the borrower. <br>Foreclosure Comments:The review of the collection comment states that the foreclosure was initiated on xx The comment dated xx/xx/2022 shows that the foreclosure file was closed due to reinstatement. Further details not found.<br> Bankruptcy Comments:Not Applicable | Not Applicable | Credit Report<br> Final Truth in Lending Discl.<br> HUD-1 Closing Statement<br> Initial 1003_Application<br> Missing or error on the Rate Lock<br> Notice of Servicing Transfer<br> Origination Appraisal | xx | 3: Curable |  | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) "The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents." | \* Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan documents."<br> \* Missing Appraisal (Lvl 2) "Appraisal report is missing from the loan documents. xx search shows an estimated value at $1,208,100.00. Current UPB is xx."<br> \* Missing credit report (Lvl 2) "Credit report is missing from the loan documents."<br> \* Missing Initial 1003_Application (Lvl 2) "Initial application signed by the loan originator is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) "Notice of servicing transfer disclosure is missing from the loan documents." |  |  |  |  |  |  |  |  |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41207370 | xx | xx | xx |  | xx | xx | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | xx | xx | Unavailable | xx | xx | Yes | No | Not Applicable | First |  | $0.00 | $0.00 | 02/xx/2025 | Unavailable | No | Unavailable | Chapter 13 | xx | Not Applicable | No | xx | Not Applicable | $329.62 | 10.083% | 360 |  | xx | xx |  | Conventional | ARM |  | Refinance | xx | xx | Unavailable | No | Unavailable | Not Applicable | Not Applicable | Not Applicable |  | Not Applicable | Single Family | xx | xx | Primary | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | First | Final policy | Not Applicable | Not Applicable | 07/xx/2024 | $56115.57 | Not Applicable | 8.000% | $411.76 | 08/xx/2024 | Financial Hardship | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument #xx in the amount of xx with xx.<br> No active judgments or liens have been found.<br> The taxes are to follow.<br> No prior year's delinquent taxes have been found. | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $411.76 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $411.76 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx. | Collections Comments:The current status of the loan is performing.<br> According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The current UPB is xx.<br> The reason for the default is unable to be determined.<br> The loan was modified on xx/xx/2024.<br> The foreclosure was initiated in xx with the loan. As per the servicing comments dated xx/xx/2024, the foreclosure file has been closed.<br> xx to the PACER, the borrower filed for bankruptcy under Chapter 13 with case #xx on xx The bankruptcy was dismissed on xx and terminated on xx/xx/2024.<br> No information has been found regarding the forbearance plan.<br> No details pertaining to the damage to the subject property have been observed.<br> The occupancy of the subject property is unable to be determined.<br> Foreclosure Comments:The foreclosure was initiated in xx and as per the document located at Lnxx, the complaint was filed on xx As per the servicing comments dated xx/xx/2024, the foreclosure file has been closed due to loan modification. Further details were not provided.<br> Bankruptcy Comments:As per PACER, the borrower, xx, had filed bankruptcy under Chapter 13 with the case #xx on xx As per the schedule-D of the voluntary petition, the amount of the claim is $46,631.02, and the value of the collateral is $48,000.00. The unsecured portion is $0.00. The POC was filed by xx, as serviced by xx., on xx with the secured claim amount of $56,144.86, and the arrearage is $35,431.09. The Chapter 13 plan was filed on xx/xx/2023 and confirmed on xx The borrower shall pay a monthly mortgage payment of $580.00 per month for 60 months to the trustee under the Chapter 13 plan. The plan reflects an arrearage for the subject loan totaling $17,718.56, and the trustee has committed to pay monthly payments of $216.08 for 60 months toward the arrearage. The bankruptcy was dismissed on xx and terminated on xx<br>| This modification agreement signed between the borrower and lender with an effective date of xx shows the new modified unpaid principal balance is xx The modified monthly P&I of $411.76 with a modified interest rate of 8.000% starting on xx and continuing until the new maturity date of 7/xx/2054. The loan has been modified three times since origination. | Credit Report<br> Final Truth in Lending Discl.<br> Missing or error on the Rate Lock<br> Right of Rescission | xx | 2: Acceptable with Warnings |  |  | \* ComplianceEase State Regulations Test Failed (Lvl 2) "This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located."<br> \* ComplianceEase TILA Test Failed (Lvl 2) "This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.977%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>This loan failed the TILA right of rescission test.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by or delivery of all material disclosures, whichever occurs last."<br> \* Final TIL Missing or Not Executed (Lvl 2) "The final TIL is missing from the loan documents."<br> \* GSE Points and Fees Test Violations (Lvl 2) "This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."<br> \* Missing credit report (Lvl 2) "The credit report is missing from the loan documents."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "The rate lock agreement signed by the borrower is missing from the loan documents."<br> \* Note has LIBOR Index with Replacement Clause (Lvl 2) "The note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice."<br> \* Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan documents." |  | Moderate | Pass | Fail | No Result | Not Covered | Fail | No Result |  | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:Unavailable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Number:Unavailable<br> Total Amount:<br> Last Date: | Unavailable |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97617154 | xx | xx |  |  | xx | xx | xx | xx | xx | xx | xx | xx | Nevada | xx | xx | xx | Nevada | xx | xx | No | Yes | Not Applicable | First |  | $928.91 | $1735.11 | 04/xx/2025 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | xx | Not Applicable | $1654.28 | 7.250% | 360 |  | xx | xx |  | Conventional | Fixed |  | Purchase | xx | xx | Full Documentation | Yes | xx | xx | xx |  |  | Not Applicable | PUD | xx | xx | Primary | Yes | Yes | No | 806 | 768 | 43.593% | First | Final policy | Not Applicable | XX | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | According to the updated title report dated xx/xx/2025, the subject mortgage was originated on xx and recorded on xx with instrument # xxin the amount of xx with MERS as nominee for xx.<br> There is a junior mortgage against the subject property that was originated on xx/xx/2024 and recorded on xx/xx/2024 with instrument #xx in the amount of $7,275.00 with "xx."<br> The first and second installments of county taxes for 2025 were paid in the amount of $886.18.<br> The third and fourth installments of county taxes for 2025 were delinquent in the amount of xx with the good-through date of xx/xx/2025. | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,980.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,654.28 with an interest rate of 7.250%. The current UPB is xx. | Collections Comments: The current status of the loan is performing. <br> According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB is xx.<br> No foreclosure activity has been found.<br> No evidence of damage or repair has been found.<br> No record of post-closing bankruptcy filed by the borrower has been found.<br> Unable to determine the current occupancy status. <br> BWR has been an SE as a xx for 4.66 years and at xxfor 36.16 years.<br> Foreclosure Comments:Not Applicable<br> Bankruptcy Comments:Not Applicable | Not Applicable | Missing or error on the Rate Lock | xx | 3: Curable |  | \* ComplianceEase TILA Test Failed (Lvl 3) "TRID total of payment disclosed on final CD as $614,380.06. Calculated total of payments is $615,401.07 for an under disclosed amount of -$1,021.01. The disclosed total of payments of $614,380.06 is not considered accurate because it is understated by more than $100. Subject loan is a purchase case originated on xx and the 1-year SOL is active."<br> \* Homeownership Counselling Disclosure is missing. (Lvl 3) "Homeownership counseling disclosure is missing from the loan documents."<br> \* Intent to Proceed Missing (Lvl 3) "Intent to proceed is missing from loan documents."<br> \* Missing Required Disclosures (Lvl 3) "List of service providers is missing from the loan documents." | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "The subject loan was approved at 43.59%. Tape shows the lender did not document the payment plan for IRS debt. The file shows a monthly payment of $1,293 towards an IRS debt balance of $xx included in DTI calculations. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been an SE as a realtor for 4.66 years and at xx for 36.16 years, FICO 763, 0X30 since inception, and $1,573 equity in the subject. Review shows ATR confirmed, DTI includes the monthly IRS payment."<br> \* Missing or error on the Rate Lock Document (Lvl 2) "Rate lock agreement signed by borrower is missing from loan documents." |  | Moderate | Pass | Fail | No Result | Pass | Pass | No Result | Pass | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | Value:Not Applicable<br> Date:Not Applicable<br> Type:Not Applicable | No | Not Applicable | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: | Number:<br> Total Amount:<br> Last Date: |  |  |  |  | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos: | Mos Reviewed:Not Applicable<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Number:Not Applicable<br> Total Amount:<br> Last Date: | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Exception ID** | **Client** | **Project** | **Pool** | **Fund** | **Loan Review Status** | **Property State** | **Original Loan Amount** | **Finding Category** | **Finding Sub-Category** | **FindingStatus** | **Finding Grade** | **Finding Description** | **Finding Comment** | **Lender Response** | **Lender Status** |
| 82386615 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.114% exceeds APR threshold of 7.970% over by +3.144%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.114% exceeds APR threshold of 7.970% over by +3.144%. Subject loan is escrowed. Loan failed Qualified Mortgage APR threshold test due to APR calculated 11.114% exceeds APR threshold of 8.720% over by +2.394%. |  |  |
| 82386615 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 11/xx/2022 reflects Appraisal Fee at $800.00. Final CD dated 12/xx/2022 reflects Appraisal Fee at $1,300.00. This is an increase in fee of +$500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1 year SOL is expired. |  |  |
| 82386615 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows no origination defect. FC was suspended and loan is in active loss mitigation, the servicer is reviewing. |  |  |
| 82386615 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 82386615 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 82386615 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $25,201.00 exceeds Fees threshold of $15,166.71 over by +$10,034.29. The below fees were included in the test: Administration Fee paid by Borrower: $1,050.00 Mortgage Broker Fee paid by Borrower: $13,757.00 Points - Loan Discount Fee paid by Borrower: $10,394.00. Loan failed GSE (Freddie Mac public guidelines) QM APR test due to APR calculated 11.114% exceeds APR threshold of 8.720% over by +2.394%. |  |  |
| 82386615 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged $25,201.00 exceeds Fees threshold of $15,166.71 over by +$10,034.29. The below fees were included in the test: Administration Fee paid by Borrower: $1,050.00 Mortgage Broker Fee paid by Borrower: $13,757.00 Points - Loan Discount Fee paid by Borrower: $10,394.00. |  |  |
| 19046639 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to Fees charged $18,564.00 exceeds Fees threshold of $17,289.69 over by +$1,274.31.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $11,723.00<br> Points - Loan Discount Fee paid by Borrower: $5,786.00<br> Underwriting Fee paid by Borrower: $1,055.00. |  |  |
| 19046639 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19046639 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx2023, and the 3-year SOL is active. BWR has 14.08 years on the job as xx, FICO 641, $32k equity in the subject, and $4,815 residual income. |  |  |
| 19046639 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $18,564.00 exceeds Fees threshold of $17,289.69 over by +$1,274.31.<br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $11,723.00<br> Points - Loan Discount Fee paid by Borrower: $5,786.00<br> Underwriting Fee paid by Borrower: $1,055.00. |  |  |
| 70508301 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | The hazard insurance policy is missing from the loan documents. |  |  |
| 70508301 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated 5/xx/2021 delivered on 5/xx/2021 which is more than 3 business days from initial application date 5/xx/2021. The subject loan is a purchase case, originated on xx/xx2021 and the 1-year SOL has expired. |  |  |
| 70508301 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed compliance ease delivery and timing test for initial loan estimate dated xx/xx2021 and electronically signed on xx/xx2021 of which is greater than 3 days from the initial application date xx/xx2021. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. Subject loan is purchase case, originated on xx/xx2021 and the 1-year SOL is expired. |  |  |
| 70508301 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. Subject loan originated on xx/xx2021, and the 3-year SOL is expired. BWR has 2 months on the new job as a xx., FICO 792, and $xx equity in the subject. |  |  |
| 70508301 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing flood cert (Lvl 2) | The flood certificate is missing from the loan documents. |  |  |
| 70508301 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 70508301 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 70508301 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 70508301 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $4,672.45 and the loan was underwritten by DU (Locator #xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| 70508301 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 70508301 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 4485917 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows lender failed to document child support income and VOR. Further details not provided. Lender defect. Subject loan originated on xx/xx/2020, and the 3-year SOL is expired. BWR has 3.91 years on the job as a xx, FICO 752, and $xx equity in the subject. |  |  |
| 96449461 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| 96449461 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller tape shows "EPD" and BK chapter xx plan. According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for xx months and the next due date is xx/xx/2020. The unpaid principal balance is $xx. The borrower "xx" filed for bankruptcy under chapter xx with the case# xx on xx/xx/2024. The BK is active. |  |  |
| 96449461 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Release of mortgage (Lvl 4) | According to the updated title report dated xx/xx/2024, the subject mortgage was originated by the borrowers "xx" recorded on xx/xx/2019 with the lender xx for the amount of $xx. As per the notice of trustee's sale located at "xx", the sale was scheduled for xx/xx/2023. Multiple times the sale has been scheduled and postponed. As per the notice of trustee's sale located at "xx", the sale was scheduled for xx/xx/2024 and the subject property was sold to "xx" on 3/xx/2024. As per the document located at "xx," the sale was cancelled. UT shows current ownership is still with the "xx." Informational alert note of UT shows as "subject mortgage foreclosure with subsequent rescission." |  |  |
| 96449461 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.657% exceeds APR threshold of 5.290% over by +4.367%.. Subject loan is escrowed. |  |  |
| 96449461 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96449461 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.657% exceeds APR threshold of 5.290% over by +4.367%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 96449461 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| 24881010 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM_TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24881010 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM_TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows ARM disclosures were not sent to the BWR. Loan program disclosure is missing from the loan documents. Further details not provided. |  |  |
| 24881010 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | QM_TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | Loan program disclosure is missing from the loan documents. |  |  |
| 91356877 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 91356877 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan did not meet the 6-month seasoning requirement for cash-out refinance. The borrower is current with the loan and the next due date of payment is xx/xx/2024. The UPB is $xx. Further details not provided. |  |  |
| 23839692 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect shows that the solar panels lien that increases the CLTV to xx% and the solar panels are also not subordinated, so the lien is in 3rd position. Further details were not provided. |  |  |
| 23839692 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $$5,097.00 exceeds fees threshold of $3,914.00 over by +$1,183.00. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,907.00<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $695.00<br>Loan fails GSE (Fannie Mae public guidelines) QM APR Test due to APR calculated 11.518% exceeds APR threshold of 10.490% over by +1.028%. |  |  |
| 23839692 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage APR Threshold test due to APR calculated 11.518% exceeds APR threshold of 10.490% over by +1.028%. <br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $5,097.00 exceeds fees threshold of $3,914.00 over by +$1,183.00 <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,907.00<br> Processing Fee paid by Borrower: $495.00<br> Underwriting Fee paid by Borrower: $695.00 |  |  |
| 23839692 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.570% exceeds APR threshold of10.490% over by +1.080%. The subject loan is not escrowed.<br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan test due to an APR calculated at 11.570% exceeds APR threshold of 10.490% over by +1.080%. The subject loan is not escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.518% exceeds APR threshold of 10.490% over By +1.028%. |  |  |
| 23839692 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26941205 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape defect, the subject property was listed for sale after closing and now it's delisted. As per the updated title report dated xx/xx/2024, xx acquired the property through the deed which was recorded on xx/xx/2023. The subject mortgage originated on xx/xx/2024. The current owner of the property is the same as BWR. |  |  |
| 98061323 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject loan is a second lien loan and fails HPML test if rate lock date is changed. Compliance report available in the loan package and Infinity compliance report shows loan passed HPML test. Further details not provided. |  |  |
| 98061323 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 13890517 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 13890517 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR charged 14.174% exceeds APR threshold of 10.420% over by +3.754%. |  |  |
| 13890517 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 14.227% exceeds APR threshold of 10.420% over by +3.807%. Defensive period of 1 year has been expired.<br>Loan failed Qualified Mortgage Safe Harbor threshold test APR Calculated 14.174% APR threshold 10.420% over by +3.754%. |  |  |
| 13890517 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed QM APR test due to APR Charged 14.174% APR Threshold 10.420% over by +3.754%. |  |  |
| 13890517 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at xx%. Tape shows BWR SE income using the average of 12 months of business bank statements was miscalculated. Revised DTI is xx%. BWR has been SE for 10.5 years at xx, FICO 651, 0X30 since inception, $97K equity in the subject and $xx residual income." |  |  |
| 13890517 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13890517 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the unrelated transactional fees test. The below fees were included in the test:<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $5.50<br>Loan failed the lender retained fees test. The below fees were included in the test:<br> Underwriting Fee paid by Borrower: $999.00 |  |  |
| 41115391 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and review of loan document shows TRID violation as the BWR2 was not provided with initial CD. Further details not provided. |  |  |
| 48768965 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 48768965 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,243.72 Exceeds Fees threshold of $6,963.58 Over by +$1,280.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,909.00<br> Points - Loan Discount Fee paid by Borrower: $2,535.72<br> Underwriting Fee paid by Borrower: $799.00 |  |  |
| 48768965 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to Fees charged $8,243.72 Exceeds Fees threshold of $6,963.58 Over by +$1,280.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,909.00<br> Points - Loan Discount Fee paid by Borrower: $2,535.72<br> Underwriting Fee paid by Borrower: $799.00 |  |  |
| 48768965 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48768965 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 48768965 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 4/xx/2023 reflects Points - Loan Discount Fee at $579.00. CD dated 5/xx/2023 reflects Points - Loan Discount Fee at $2,535.72. This is an increase in fee of +$1,956.72 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL is expired.<br>TRID Violation due to decrease in lender credit on Closing Disclosure dated 5/xx/2023 . Initial CD dated 5/xx/2023 reflects lender credit at $225.83 , Revised CD dated 5/xx/2023 reflects Lender Credit at $0.00. This is decrease of $225.83 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case that originated on xx/xx/2023, and the 1-year SOL is expired. |  |  |
| 48768965 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 48768965 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a xx home. The MH rider attached with recorded mortgage, which is located at "xx," reflects the home is affixed permanently to the land. The wheels, axles, tow bar, or hitch were removed. The VIN/Serial is xx. |  |  |
| 48768965 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report was subject to. 1004D shows that all required repairs have been made and the subject property is 100% complete. Tape shows that the engineer certificate was completed by 2 different companies. Engineer certificate report provided by the 2nd company with the verbiage, which did not comply with HUD standards. Requested new engineer cert received as non-compliant due to water issues in crawl spaces. Engineer certificate is missing from the loan file. Further details were not provided. |  |  |
| 84366416 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 11.659% exceeds APR threshold of 10.160% over by +1.499%. |  |  |
| 84366416 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.700% exceeds APR threshold of 10.160% over by +1.540%. <br>Loan failed the CA AB 260 higher-priced mortgage loan test (CA AB 260, California Financial Code Division 1.9 4995(a)) due to an APR calculated at 11.700% exceeds APR threshold of 10.160% over by +1.540%. |  |  |
| 84366416 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR had multiple derogatory housing events like foreclosure and bankruptcy in past credit history, which is not acceptable for approving of a second lien subject loan. Further details not provided. |  |  |
| 84366416 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45027565 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows non-retirement distribution income used for qualification is not supported. File shows letter from broker supporting $3K of the $xx income distributions. Further details are not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR receives SSI, retirement distribution, and additional distribution income, FILO 795, 0X30 in the last 12 months, and $xx equity in the subject. |  |  |
| 45027565 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45027565 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 45027565 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is xx and total expenses are in the amount of $3,357.59 and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 17569139 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:<br> HOA Capital Contribution Fee paid by Borrower: $1,179.66<br> HOA Dues At Closing Fee paid by Borrower: $996.43<br> Title - CPL Fee paid by Seller: $75.00. |  |  |
| 17569139 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 17569139 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows PITIA miscalculation as correct HOA was not included in PITIA. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR is retired and receives retirement and social security income, FICO 738, $xxK equity in the subject, and $xx residual income. |  |  |
| 33963270 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 33963270 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 2/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated 10/xx/2022 reflects Points - Loan Discount Fee at $3,885.57. This is an increase fee in the amount of +$3,885.57 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2022, and the 1-year SOL is expired. |  |  |
| 33963270 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33963270 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $3,599.63. The loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 33963270 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3, with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 9262517 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 9/xx/2021 does not reflect Points - Loan Discount Fee. Final CD dated 9/xx/2022 reflects Points - Loan Discount Fee at $3,567.00. This is an increase fee in the amount of +$3,567.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case; it originated on xx/xx/2022, and the 1-year SOL is expired. |  |  |
| 9262517 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9262517 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 9262517 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | The hazard insurance policy is missing from the loan documents. |  |  |
| 9262517 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan rate of xx% is below the investor's minimum tolerance limit. Further details not provided. |  |  |
| 6582954 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 6582954 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 05/xx/2022 does not reflect Points - Loan Discount Fee. Final CD dated 08/xx/2022 reflects Points - Loan Discount Fee at $5,700.38. This is an increase in fee of +$5,700.38 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2022 and the 1 year SOL is expired. |  |  |
| 6582954 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 6582954 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to the initial CD is missing from loan documents. |  |  |
| 8929549 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 12 years on the job as xx of xx, FICO 726, 0X30 in the last 12 months, $xxK equity in the subject, and $xx residual income. |  |  |
| 8929549 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents.<br> Settlement services provider list is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial 1003 signed by loan originator is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 8929549 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 8929549 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 8929549 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 8929549 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final CD as $366,123.45. Calculated Finance charge is $368,728.03 for an under disclosed amount of -$2,604.58. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing.<br>The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL has expired. |  |  |
| 55182521 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial 1003 signed by loan originator is missing from loan documents. |  |  |
| 55182521 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note is missing. The lost note affidavit is not available in the loan file. Also, the loan was not modified. |  |  |
| 55182521 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to electric, water, and gas utilities being turned on; carbon monoxide detectors and smoke alarms were not installed; a tankless water heater was not installed. 1004D is missing from the loan documents. Final CD does not reflect any escrow holdback. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 55182521 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents. |  |  |
| 55182521 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $xx and the loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 55182521 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55182521 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | Complianceease TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase, originated on xx2022 and the 1-year SOL has expired. |  |  |
| 55182521 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR2 income used to qualify is not allowed as BWR2 is the realtor on the transaction. The revised DTI is xx%. Further details not provided. Lender defect. The subject originated on xx/xx/2022, and the 3-year SOL has expired. BWR1 has 19.5 years on the job as a xx, and BWR2 has 2.91 years on the job as a xx, FICO 779, 0X30 in the last 12 months, $xxK equity in the subject. |  |  |
| 64603009 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 10/xx/2020 reflects Points - Loan Discount Fee at $1,160.00. Final CD dated 09/xx/2021 reflects Points - Loan Discount Fee at $1,275.51. This is an increase in fee of +$115.51 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired. |  |  |
| 64603009 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 64603009 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 64603009 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64603009 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 2.03 years at xx, FICO 673, 0X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 19258439 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 19258439 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows two undisclosed mortgage debts opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has been SE for 9.33 years as a xx, FICO 774, 2X60 in the last 24 months, $xxK equity in the subject. |  |  |
| 5786798 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 5786798 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the TRID disclosure delivery date validation test as the closing disclosure delivery date is on the loan estimate delivery date. |  |  |
| 5786798 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdback. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 5786798 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows subject is NOO as BWR listed the subject property for sale one month after closing and subsequently listed it for rent. Further details not provided. Elevated for client review. |  |  |
| 5786798 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 5786798 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5786798 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 5786798 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed the TRID disclosure delivery date validation test as the closing disclosure delivery date is on the loan estimate delivery date. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year. |  |  |
| 5786798 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 5.33 years at xx, FICO 759, and $92K equity in the subject. |  |  |
| 5786798 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| 5786798 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents.<br>Home loan toolkit is missing from the loan documents. |  |  |
| 5786798 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to Initial CD is missing from loan documents. |  |  |
| 5786798 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 94479263 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 94479263 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 94479263 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94479263 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed disclosure is missing from the loan documents. |  |  |
| 71497699 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC (interested party contribution) of 2% exceeds the limit for NOO loan. Further details not provided. |  |  |
| 71497699 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 71497699 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal in the loan file is subject to completion of construction. Subject is new construction and estimate amount of completion is not available in the appraisal report. Appraisal 1004D update/completion report is missing from loan documents. Final CD does not reflect escrow holdback amount. |  |  |
| 30313602 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan file. |  |  |
| 30313602 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $2,456.41 and the loan was underwritten by AUS/LP (Locator# xx) and its risk class is "Caution" with 45%. Subject loan originated on xx/xx/2021 and 3-year SOL is expired. |  |  |
| 30313602 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents.<br>Home loan toolkit is missing from the loan documents. |  |  |
| 30313602 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan file. |  |  |
| 30313602 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30313602 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan file. Subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired. |  |  |
| 30313602 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 30313602 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan does not meet the eligibility requirement of Freddie Mac for manual UW as the DTI on the loan is greater than xx%. Further details not provided. |  |  |
| 30313602 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to completion of construction, and 1004D confirming the completion of construction is missing from the loan documents. The final CD does not reflect any escrow holdback. xx search shows an estimated value of $xx and Current UPB is $xx. |  |  |
| 77225100 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. |  |  |
| 77225100 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $8,092.95 and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 77225100 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing in loan file. |  |  |
| 77225100 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed ComplianceEase delivery and timing test for initial loan estimate dated 6/xx/2022. Document tracker proving the delivery of initial loan estimate within 3 business days from the initial application date of xx/xx/2022 is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired. |  |  |
| 77225100 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents.<br> Settlement services provider list is missing from the loan documents. |  |  |
| 77225100 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 77225100 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77225100 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is a VA purchase. Tape shows VA guaranty could not be obtained as VA entitlement was not restored. Further details not found. |  |  |
| 77225100 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 71804520 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at 48.345%. Tape shows lender used asset distribution of $xx from $xxK Fidelity account to qualify. Further details not provided. Lender defect. Subject loan originated xx/xx/24 and the 3 year SOL is active. BWR has 11 years on the job in xx. FICO 796. $xxk equity in subject. |  |  |
| 71804520 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 71804520 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. |  |  |
| 71804520 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 71804520 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71804520 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 12084392 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12084392 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from loan documents. |  |  |
| 12084392 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 12084392 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 12084392 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 12084392 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3 with a sales price of $xxK, is closest to the subject property. xx search does not reflect an estimated value. Current UPB is $xxK. |  |  |
| 12084392 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents. |  |  |
| 12084392 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 12084392 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. xx search shows an estimated value of $xxK and current UPB is $xx. |  |  |
| 9028061 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL is expired. |  |  |
| 9028061 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents.<br>Settlement services provider list is missing from loan documents. |  |  |
| 9028061 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 9028061 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9028061 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows the loan is not eligible for manual UW due to additional layering of risk, such as xx% LTV, 1-month reserves, and a 663 credit score. Further details not provided. Lender defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 4.57 years on the job as a xx, FILO 663, and $xxK equity in the subject. |  |  |
| 9028061 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 9028061 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 9028061 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape defect, the payment for March 1, 2023, is 13 months late. As per the review of the payment history, the payment of xx/xx/2024 was made on xx/xx/2024. The loan is performing and the next due date is xx/xx/2024. Current UPB is $xx. |  |  |
| 9028061 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. xx search shows an estimated value of $xxK and current UPB is $xx. |  |  |
| 55368374 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $794,352.58. Calculated finance charge is $799,558.49 for an under disclosed amount of -$5,205.91. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2023, and the 1-year SOL is expired.<br>TRID total of payment disclosed on final CD as $1,521,143.78. Calculated total of payments is $xx for an under disclosed amount of -$5,079.71. The disclosed total of payments of $1,521,143.78 is not considered accurate because it is understated by more than $100. Subject loan is purchase case, originated on xx/xx/2023, and the 1-year SOL is expired. |  |  |
| 55368374 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. <br> Home loan toolkit is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #1 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 55368374 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan file. |  |  |
| 55368374 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counselling disclosure is missing from the loan documents. |  |  |
| 55368374 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. xx search shows an estimated value of $xxK and current UPB is $xx. |  |  |
| 69926662 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows lender underwriting error. Further details not provided. Lender defect. Subject originated xx/xx/20 and the 3 year SOL has expired. BWR has 2 years at xx. FICO 642. 2X30 in the last 24 months. $xxK equity in subject. |  |  |
| 69926662 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provided list is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL is expired. |  |  |
| 69926662 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | The initial CD is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 69926662 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69926662 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable by GNMA as xx history is not clear. Further details not provided. |  |  |
| 69926662 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. UPB as per tape $xx and xx estimate value $xx. |  |  |
| 99166244 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99166244 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has 4 months on the job as a xx; BWR2 has 2.08 years on the job as a xx, FICO 643, and $xxK equity in the subject. |  |  |
| 99166244 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $202,259.28. Calculated finance charge is $204,182.43 for an under disclosed amount of -$1,923.15. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired.<br>Loan failed the TRID total of payments test as this loan data reflects total of payments in the amount of $xx. Comparison Data total of payments in the amount of $511,878.43 and the variance is -$2,341.15. |  |  |
| 99166244 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing in the loan documents. |  |  |
| 99166244 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape indicates the subject may be NOO, as the BWR did not move into the subject property. Further details were not provided. Elevated for client review. |  |  |
| 71944012 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 40%. Tape and file show BWRs have limited job history. Further details not provided. Lender defect. Subject originated xx/xx/23 and the 3 year SOL is active. BWR1 has 1 month on the job as an xx. BWR2 has 1 month on the job as xx, FICO 710, 0X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 71944012 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71944012 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at xx%. Tape shows defect that BWR2 income comes from the cultivation, processing, sale, or distribution of marijuana. Further details not provided. |  |  |
| 33559824 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 33559824 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. ATR could not be determined as income documents, 1008, AUS, and loan approval are missing from the loan documents. Further details not provided. BWR defect. Subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 13.83 years on the job as a xx, FICO 713, 0X30 in the last 12 months, and $xxK equity in the subject. |  |  |
| 33559824 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 33559824 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | Credit report is missing from loan documents. |  |  |
| 33559824 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows subject is NOO, as the BWR acknowledged subject was rented out. Further details were not provided. Elevated for client review. |  |  |
| 33559824 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Subject property is a new construction. The appraisal report is subject to the completion of new construction. The 1004D report is missing from the loan documents. The final CD does not show any escrow holdbacks. UPB as per tape $xx and xx estimate value $xx. |  |  |
| 61275875 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61275875 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 61275875 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows appraisal delivery requirements not being met. The appraisal was delivered to the borrower on xx/xx/2022, and the loan closed on xx/xx/2022. |  |  |
| 25036930 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counselling disclosure is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed the loan origination fee test due to fees charged $1,375.48 exceeds fees threshold of $1,268.51 over by +$106.97. <br> The below fees were included in the test:<br> HOA Capital Contribution paid by Borrower: $1,300.48<br> HOA Transfer Setup paid by Borrower: $75.00. |  |  |
| 25036930 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired. |  |  |
| 25036930 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | VA guaranty certificate is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 25036930 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan is closed without VA entitlement. Further details not found. |  |  |
| 8199804 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial LE is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired. |  |  |
| 8199804 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 4.33 years on the job as an xx, FICO 790, 0X30 in the last 12 months, and $xxK equity in the subject. |  |  |
| 8199804 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 8199804 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is. The home is in new condition, and the improvement section reflects some repairs that need to be completed for sod/landscaping, and the estimated cost to amount is $xx. The 1004D completion report is missing from the loan documents. Final CD does not reflect escrow holdback. |  |  |
| 8199804 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by borrower is missing from loan documents. |  |  |
| 8199804 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counselling disclosure is missing from loan documents. |  |  |
| 22796233 | xx | xx | xx | 47ab46b4-0fbc-4f6c-9428-bd583140dad9 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 3: Curable | \* Credit score not provided (Lvl 3) | Credit score of the co-borrower is not provided. |  |  |
| 22796233 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 22796233 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows credit accidentally repulled, and the score came in below acceptable levels. A soft credit pull was intended. Hard credit was pulled accidentally, wherein the borrower's credit score came back too low for approval. Further details are not provided. FICO 678. |  |  |
| 22796233 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22796233 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. |  |  |
| 22796233 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to completion as per plans. The available 1004D reflects the weather-related items are incomplete. Landscaping and SOD are needed to be completed. The appraisal report reflects the estimated cost to repair the property, which is approximately $xx. The updated 1004D/Completion report is missing from the loan documents. Also, the final CD does not reflect escrow holdback. UPB as per tape $xx and xx estimate value $xx. |  |  |
| 32473677 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject condo project is ineligible due to deductible on the master policy. The master insurance policy reflects a high deductible of $15K and dwelling coverage of $1M. Further details not provided. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 32473677 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32473677 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the prohibited fees test. (N.J.S.A. §17:11C-74, N.J.A.C. §§3:1-16.2). The loan does charge fee(s) not provided for in this act, which is prohibited. The following fees were included in the test: Attorney's Fees paid by Borrower: $1,600.00 CPL paid by Borrower: $75.00 HoA Fees paid by Borrower: $1,500.00 HoA Working Capital paid by Borrower: $600.00 Real Estate Comm paid by Seller: $22,649.80 Title - Alta paid by Borrower: $100.00. Title - Transaction Management paid by Borrower: $35.00. |  |  |
| 76316004 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report dated xx/xx/2023, the subject property type is a xx home. The manufactured housing unit and affidavit of affixation rider attached with the recorded mortgage located at "xx" state that the manufactured home with VIN # xx has been affixed to the permanent foundation. |  |  |
| 76316004 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows that the investor is not buying the subject property, which is a manufactured home. Further details not provided. |  |  |
| 76316004 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9934019 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations |  |  |
| 9934019 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated xx/xx/2022 reflects Appraisal Fee at $650.00. CD dated 9/xx/2022 reflects Appraisal Fee at $1,520.00<br> Loan estimate dated xx/xx/2022 does not reflect IBTS Verification Fee. CD dated 9/xx/2022 reflects IBTS Verification Fee at $225.00.<br> This is a cumulative increase in fee of $1,095.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL is expired. |  |  |
| 9934019 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9934019 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2, with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 58984488 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan is NOO and was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 3 months on the job as a xx, FICO 813, 2X30 since inception and $xxK equity in the subject. |  |  |
| 78462575 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.58 years on the job as a xx, FICO 780, 0X30 since inception, $6K equity in the subject, and $xx residual income. |  |  |
| 78462575 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75740516 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 11 months on the job as an xx; BWR2 has 1.08 years on the job as an xx, FICO 719, and $4K equity in the subject. |  |  |
| 75740516 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 74318177 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.622% exceeds APR threshold of 8.260% over by +1.362%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.569% exceeds APR threshold of 8.260% over by 1.309%. Subject loan is escrowed. |  |  |
| 74318177 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.569% exceeds APR threshold of 9.010% over by 0.559%. |  |  |
| 74318177 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 74318177 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows an issue related to licensing. Lender had a valid license in TN as of xx/xx/24. Subject loan closed after that date, xx/xx/24. Outside counsel agrees with LVL3 treatment. Further details not provided. |  |  |
| 74318177 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed qualified mortgage APR threshold test due to APR calculated 9.569% exceeds APR threshold 9.010% over by +0.559%. |  |  |
| 74318177 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the brokerage/finder fee test due to fees charged $12,145.00 exceeds fees threshold of $9,200.00 over by +2,945.00. <br> The below fees were included in the test<br> Loan Origination Fee paid by Borrower: $10,350.00<br> Processing Fee paid by Borrower: $700.00<br> Underwriting Fee paid by Borrower: $1,095.00.<br>Loan failed state regulations for the interest rate test due to APR calculated 9.250% exceeds APR threshold 8.690% over by +0.560%. |  |  |
| 80184030 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the subject photo addendum shows the first floor is deteriorated and needs to be replaced, including the entry foyer, living room, dining room, kitchen, and rear foyer. Handrail to be installed on staircase from first to second floor. 1004D shows that the floor and the ceiling have been repaired and no information has been provided for the remaining damages. The total estimated cost of cure is not provided. 1004D is missing from the loan file. |  |  |
| 80184030 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape shows a non-performing loan. The original defect is EPD. The borrower has been delinquent for 1 month, and the next due date is 10/xx/2024. The current UPB reflected as per the payment history is $xx. Borrower makes occasional late payments. Further details are not provided. |  |  |
| 56079325 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and was approved at xx%. The tape shows the subject loan LTV of xx% exceeded the threshold of xx% for a 2-unit property. Further details are not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 59215508 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails loan origination fee test due to Fees charged $1,880.00 Exceeds Fees threshold of $1,574.00 Over by +$306.00. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,315.00<br> Pest Inspection Fee paid by Borrower: $55.00<br> Termite Treatment paid by Borrower: $475.00<br> Title - Closing Protection Letter paid by Borrower: $35.00 |  |  |
| 59215508 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations |  |  |
| 59215508 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan fails Compliance Ease delivery and timing test for initial closing disclosure dated 03/xx/2023. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2023 which is less than 3 business days from the Consummation date 03/xx/2023.<br>Subject loan is refinance case, originated on xx/xx/2023 and the 3 years SOL is active.<br>Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 2/xx/2023 reflects A Points - Loan Discount Fee at $4,573.00. CD dated 3/xx/2023 reflects A Points - Loan Discount Fee at $4,585.06. This is an increase in fee of $12.06 for charges that cannot increase. Valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. |  |  |
| 59215508 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet VA seasoning period requirements of 210 days. Further details not provided. |  |  |
| 59215508 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77637159 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77637159 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Borrower's intent to proceed is missing from the loan documents. |  |  |
| 77637159 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet VA seasoning period requirements of 210 days. Further details not provided. |  |  |
| 72125483 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR1 has 4.5 years on the job as a xx. BWR2 has been SE for 5.33 years at xx, FICO 724, 0x30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 72125483 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 04/xx/2022 does not reflect Appraisal Review Fee. CD dated 05/xx/2022 reflects Appraisal Review Fee at $150.00. This is an increase in fee of +$150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on closing disclosure dated 05/xx/2022. Initial LE dated 04/xx/2022 reflects lender credit at $6,473.00. Final CD dated 05/xx/2022 reflects lender credit at $276.76. This is decrease of $6,196.24 for fee which has 0% tolerance test.<br>The subject loan is a purchase, originated on xx/xx/2022 and the 1-year SOL is expired. |  |  |
| 72125483 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Your home loan toolkit is missing from the loan documents. |  |  |
| 72125483 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 72125483 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 72125483 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | Tape shows original note is lost. The unexecuted copy of lost note affidavit document is available at "xx". The duplicate copy of the note is available at "xx. |  |  |
| 72125483 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO, and the tape indicates that the property may be NOO due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 44401410 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44401410 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower did not make payment. According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx. Further details were not provided. |  |  |
| 44401410 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB $xxK. |  |  |
| 66326511 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.270% exceeds APR threshold of 8.430% over by +0.840%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 66326511 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.235% exceeds APR threshold of 8.430% over by +0.805%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed. |  |  |
| 66326511 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement service provider list is missing from the loan documents.<br> Home loan toolkit is missing from the loan documents. |  |  |
| 66326511 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the amortization of the subject loan does not match lock terms. Further details not provided. |  |  |
| 66326511 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 66326511 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed to the land.<br> As per the appraisal report, which is located at "xx," the subject property type is xx home. The ALTA 7 endorsement is not attached to the short form title policy. The VIN# is not available in the legal description of the recorded mortgage. The manufactured home rider and affidavit of affixation are attached to the recorded mortgage located at "xx." The serial number is not mentioned in both documents. |  |  |
| 30485245 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.466% exceeds APR threshold of 8.440% over by +0.026%. The subject loan is escrowed. |  |  |
| 30485245 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Tape shows final CD not signed at consummation. The final closing disclosure available in the file is incomplete, as page 4 of the CD does not reflect APR, finance charge, or total payment details. Further details not provided. |  |  |
| 30485245 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. Post CD was used to run CE. |  |  |
| 30485245 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55099549 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.217% exceeds APR threshold of 7.620% over by +0.597%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.192% exceeds APR threshold of 7.620% over by +0.572%. Subject loan is escrowed. |  |  |
| 55099549 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the closing documents were signed one day prior to the allowed date per TRID rules to satisfy the waiting period from last LE to consummation date. Infinity compliance result fails the revised LE delivery and timing test as the receipt date of the last LE is less than 4 business days before the consummation date. |  |  |
| 55099549 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Compliance Ease delivery and timing test for revised loan estimate#1 dated 10/xx/2024 and signed on xx/xx/2024 which less than 4 business days from the consummation date 10/xx/2024. |  |  |
| 55099549 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 9/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated 10/xx/2024 reflects Points - Loan Discount Fee at $31.01. This is an increase in fee of $31.01 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 55099549 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 55099549 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 90967991 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 9.339% exceeds APR threshold of 8.720% over by +0.619%. The subject loan is escrowed. |  |  |
| 90967991 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.339% exceeds APR threshold of 8.720% over by +0.619%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test (12 CFR §1026.43(b)(4), (e)(1)) due to APR calculated 9.336% Exceeds APR threshold of 8.720% Over By +0.616%. Subject loan is escrowed. |  |  |
| 90967991 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx, Loan amount: $xx LTV: xx% Current UPB is $xx, with a current CLTV of xx%. |  |  |
| 90967991 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 90967991 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx%. Tape shows lender did not include student loan debt that is deferred to 2032 and the revised DTI is xx%. Further details not provided. BWR has 6.66 years on the job as a xx, FICO 763, 0X30 since inception, and $xx residual income. |  |  |
| 30108614 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated 6/xx/2024 reflects cash to in the amount of $1,230.24. |  |  |
| 30108614 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx%. The tape shows income miscalculation. The revised DTI is xx%. Further details not provided. BWR1 has 1.83 years on the job as a xx. BWR2 has 3.91 years on the job as a xx, FICO 730, 0X30 since inception, and $xx residual income." |  |  |
| 40143236 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40143236 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $1,502.16 and the loan was underwritten by DU (xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 40143236 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated 12/xx/2020 delivered on 1/xx/2021 which is more than 3 business days from initial application date xx/xx/2020.<br>The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL is expired. |  |  |
| 63035471 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is not insurable due to the borrower qualifying with a work visa type R. BWR's work visa will expire on xx/xx/2026, and the subject loan closed onxx/xx/2024. Further details not provided. |  |  |
| 63035471 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 63035471 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from loan documents. |  |  |
| 63035471 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA insurance certificate is missing from loan documents. |  |  |
| 63035471 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 7/xx/2024 reflects the sum of Section C fees and Recording fee at $50.00. Final, CD dated 8/xx/2024 reflects the sum of Section C and Recording fee at $60.00. This is a cumulative increase of $5.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 63035471 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount and date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount and date. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 88044340 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows FNMA disputes the appraised value of $xxK. Tape reflects an appraised value of $xxK. Further details not provided. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 88044340 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject is NOO and approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. Subject loan originated on xx/xx/2022. BWR has been xx owning multiple businesses for 20.08 years, FICO 777, 2X30 since inception, and $xxK equity in the subject. |  |  |
| 9815568 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $13,218.55 exceeds fees threshold of $7,937.34 over by +$5,281.21 <br> The following fees were included in the test:<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Points - Loan Discount Fee paid by Borrower: $11,834.55<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Underwriting Fee paid by Borrower: $595.00. |  |  |
| 9815568 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and review of the appraisal report show that the subject property is a barndominium. xx search shows an estimated value of $xxK. xx search shows an estimated value of $xxK. Current UPB is $xxK. Review of xx and the other sites show land only. Appraisal shows the new subject building included. |  |  |
| 9815568 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9815568 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows FNMA disputes the appraised value of $xxK. Further details not provided. xx search shows an estimated value of $xxK. xx search shows an estimated value of $xxK. Current UPB is $xxK. Review of xx and the other sites show land only. Appraisal shows the new subject building included. |  |  |
| 9815568 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $13,218.55 exceeds fees threshold of $7,937.34 over by +$5,281.21. <br> The following fees were included in the test:<br> Document Preparation Fee paid by Borrower: $270.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $80.00<br> Points - Loan Discount Fee paid by Borrower: $11,834.55<br> Processing Fee paid by Borrower: $350.00<br> Tax Service Fee paid by Borrower: $89.00<br> Underwriting Fee paid by Borrower: $595.00. |  |  |
| 19485278 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $3,482.82 and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 19485278 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows child support income used is not supported by proof of receipts for 6 months as required by Freddie Mac. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 4.58 years on the job as a xx, FICO 691, and $xxK equity in the subject. |  |  |
| 19485278 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in lender credit on Initial CD. Initial LE dated 10/xx/2021 reflects Lender credits at $7,480.00. Initial CD dated 10/xx/2021 reflects Lender credits at $6,921.60. This is a decrease of $558.40 for a fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2021, and the 1-year SOL is expired. |  |  |
| 19485278 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the subject loan closed with PIW, and the subject property needed roof replacement. 1004D or inspection report addressing the roof replacement issue is missing from the loan documents. |  |  |
| 14390052 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #1, with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 45280327 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID violation as closing disclosure with increased APR was delivered prior to 3-day waiting period from consummation date. Infinity compliance result shows the loan does not fail TRID delivery and timing tests. Further details not provided. |  |  |
| 45280327 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 7/xx/2024 reflects Points - Loan Discount Fee at $15,841.00. Final CD dated 8/xx/2024 reflects Points - Loan Discount Fee at $16,171.00. Initial loan estimate dated 7/xx/2024 does not reflect Lock Extension Fee. Final CD dated 8/xx/2024 reflects Lock Extension Fee at $125.82. This is a cumulative increase in fee of +$455.82 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 45280327 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 45280327 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $1,018,306.46. Calculated finance charge is $1,018,453.65 for an under disclosed amount of -$147.19. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the 1 year SOL is active. |  |  |
| 45280327 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 4756330 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 4756330 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 11/xx/2023 does not reflect Rate Lock Fee. CD dated 1/xx/2024 reflects Rate Lock Fee at $1,514.75. This is an increase in fee of +$1,514.75 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 1/xx/2024. Initial LE dated 11/xx/2024 reflects Lender Credit at $118.00, Final CD dated 1/xx/2024 reflects Lender Credit at $0.00 This is decrease of +$118.00 for fee which has 0% tolerance test. |  |  |
| 4756330 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject property has an ADU, and the landlord education program was not completed by the BWR prior to closing. Further details not provided. |  |  |
| 4756330 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47276638 | xx | xx | xx | 71239452-aaa1-4e46-b720-ccd30cd0d500 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* The property type does not match the Appraisal Report (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in UT, located at xx, reflecting that the home is affixed permanently to the land with Serial no. xx. |  |  |
| 47276638 | xx | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | Tape shows subject property is commercial and being used as an equestrian facility. Review of the appraisal report shows the subject property has a xx sf barn with stalls, an indoor riding arena, and an equestrian arena. xx search shows an estimated value of $xxK. Current UPB $xxK. Elevated for client review. |  |  |
| 45228569 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan documents. |  |  |
| 45228569 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prohibited fees test (N.J.S.A. §17:11C-74, N.J.A.C. §§3:1-16.2) due to the loan does charge fee(s) not provided for in this act, which is prohibited.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $200.00<br> Lender Closing Fee paid by Borrower: $619.00. |  |  |
| 45228569 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. |  |  |
| 45228569 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing from the loan documents. |  |  |
| 45228569 | xx | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Not all borrowers signed TIL (Lvl 2) | TIL is not hand signed by the borrower. |  |  |
| 45228569 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer is missing from the loan documents. |  |  |
| 34199967 | xx | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | Missing HELOC disclosure (RESPA) |  |  |
| 34199967 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test due to the loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 34199967 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final truth in lending is missing from the loan document. |  |  |
| 34199967 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan document. |  |  |
| 1869649 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge of $217,396.46 exceeds disclosed finance charge of $288,844.91 for an under disclosed amount of -$71,448.45.<br>Loan failed TILA Foreclosure Rescission Finance charge of $217,396.46 exceeds disclosed finance charge of $288,809.91 for an under disclosed amount of -$71,413.45.<br>Loan failed TILA APR test due to APR calculated 9.186% exceeds APR threshold 10.845% under disclosed by -1.659%. |  |  |
| 1869649 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application is missing from the loan documents. |  |  |
| 15343991 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. |  |  |
| 15343991 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 15343991 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 15343991 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 15343991 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to APR calculated 13.212% exceeds APR threshold 14.698% under disclosed by -1.486%. |  |  |
| 18451842 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 18451842 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 18451842 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing in the loan documents. |  |  |
| 18451842 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test due to calculated finance charge of $96,775.34 exceeds disclosed finance charge of $125,550.39 for an under disclosed amount of -$28,775.05. <br>Loan failed TILA foreclosure rescission finance charge of $96,775.34 exceeds disclosed finance charge of $125,515.39 for an under disclosed amount of -$28,740.05.<br>Loan failed TILA APR test due to APR calculated 9.906% exceeds APR threshold 11.452% under disclosed by -1.546%. |  |  |
| 53436338 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 53436338 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 8746351 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 8746351 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount<br> points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 8746351 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows an appraisal report was not ordered for the new case number. Further details not provided. |  |  |
| 8746351 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance is missing from the loan documents. |  |  |
| 8746351 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed FHA qualified mortgage safe harbor threshold test due to APR calculated 6.290% exceeds APR threshold of 8.314% over by +2.024%. Subject loan is escrowed. |  |  |
| 8746351 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 8746351 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 12/xx/2022 reflects the sum of Section C fees and Recording fee at $1,178.00. CD dated 2/xx/2023 reflects the sum of Section C and Recording fee at $1,346.96. This is a cumulative increase of $51.16 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2023 and 3-year SOL is active. |  |  |
| 8746351 | xx | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | Loan fails QM Rebuttable presumption test due to Fees charged $8,267.64. Exceeds fees threshold of $5,758.60 over by +$2,509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65 |  |  |
| 8746351 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,267.64. Exceeds Fees threshold of $5,758.60 Over by +$2509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65 <br> Loan fails QM lending points and fees test due to fees charged $8,267.64. Exceeds fees threshold of $5,758.60 Over by +$2509.04. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,594.99<br> Points - Loan Discount Fee paid by Borrower: $6,672.65 |  |  |
| 30873446 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation over BWR's fluctuating income. Tape shows asset shortfall due to missing supporting documents for gift and EMD. Bank statement in the file shows $8,835 in assets, a copy of checks for xx $40K, and a gift letter supporting $43K, and the cash-to-close requirement is $xxK. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has 6 years on the job as a xx; BWR2 has 11 years on the job as a xx; FICO 773, and $xxK equity in the subject. |  |  |
| 30873446 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 30873446 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 01/xx/2021 reflects the sum of Section C fees and Recording fee at $1,821.00. CD dated 2/xx/2021 reflects the sum of Section C and Recording fee at $5,788.69. This is a cumulative increase of +$3,785.59 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired. |  |  |
| 30873446 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30873446 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 1/xx/2021 does not reflect Points - Loan Discount Fee. CD dated 2/xx/2021 reflects Points - Loan Discount Fee at $499.84. This is an increase in fee of +$499.84 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired.<br>violation due to decrease in lender credit on Closing Disclosure dated 2/xx/2021. Initial LE dated 1/xx/2024 reflects lender credit at $1,984.00. Final CD dated 05/xx/2022 reflects lender credit at $1,760.00. This is decrease of -$224.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired. |  |  |
| 68759559 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to BWR renting out the property, causing the lender to omit the prior housing expense. Subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.08 years on the job as a xx, with a FICO score of 742 and $xxK equity in the subject. |  |  |
| 68759559 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure is missing from the loan file. xx search shows an estimated value of $xxK. Current UPB is $xx. |  |  |
| 68759559 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape indicates that the property is NOO due to currently being listed for rent. Further details were not provided. Elevated for client review. |  |  |
| 71692151 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 71692151 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The social security number (SSN) reflected on the W-2s does not belong to the borrower, and it appears the SSN belonged to a family member and was used for employment purposes. |  |  |
| 71692151 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 12/xx/2023 reflects the sum of section C and recording fee at $1,350.00. Post CD dated 3/xx/2024 reflects the sum of section C and recording fee at $1,681.50. This is a cumulative increase of $331.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the SOL is 1 year active. |  |  |
| 71692151 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71692151 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender did not establish ATR as BWR used 2 SSNs and lender omitted Progressive Insurance obligation. <br> Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5 months on the job as a xx, FICO 756, and $20K equity in the subject. |  |  |
| 84328203 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 84328203 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TRID total of payments test due to calculated total of payments test of $512,972.70 exceeds disclosed total of payments test of $513,198.52 over by -$225.55. |  |  |
| 84328203 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 5/xx/2024 does not reflect Loan Origination Fee. CD dated 7/xx/2024 reflects Loan Origination Fee at $1,960.00.<br> Loan estimate dated 5/xx/2024 reflects Appraisal Fee at $600.00. CD dated 7/xx/2024 reflects Appraisal Fee at $650.00.<br> This is a cumulative increase in fee of $2010.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 84328203 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 84328203 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 84328203 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan was repurchased as the BWR's FICO score of 660 does not meet the minimum credit score requirement of the investor guidelines. Further details not provided. |  |  |
| 84328203 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from loan documents. |  |  |
| 9829606 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. |  |  |
| 9829606 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 9829606 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows additional information regarding a spouse's income is required to determine the program's eligibility. The household income exceeds the maximum income limit for IRS compliance eligibility; the income provided for the spouse equates to an annual income of $xx, which exceeds the allowable limit of $xx. Further details not provided. BWR has 6.25 years on the job as an xx at xx, FICO 753, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 9829606 | xx | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The title defect of an UT report dated xx/xx/2024 shows that the property is a unit in a co-operative. The subject loan originated on xx/xx/2023 with a maturity date of xx/xx/2054. As per the lease agreement located at xx, the lease terms started from xx/xx/2023 until xx/xx/2099. |  |  |
| 9829606 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 9829606 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| 83570604 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan file. |  |  |
| 83570604 | xx | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents are missing from the loan file. |  |  |
| 83570604 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows loan does not meet seasoning requirement of prior foreclosure history for 7 years. Further details not provided. |  |  |
| 83570604 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81450956 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 2/xx/xx reflects cash to in the amount of $1,516.16. |  |  |
| 81450956 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 11/xx/2019 Appraisal Fee at $675.00. CD dated 02/xx/2020 Appraisal Fee at $1,299.00. This is an increase in fee of $624.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on closing disclosure dated 02/xx/2020. Initial LE dated 11/xx/2019 reflects lender credit at $3,711.00. Revised CD dated 02/xx/2020 reflects lender credit at $3,075.82. This is decrease of $635.18 for fee which has 0% tolerance test. Valid COC for the decrease is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2020 and the 1-year SOL is expired. |  |  |
| 81450956 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 81450956 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81450956 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet loan program requirements for a renovation loan. 1004D showing repairs are completed is available in the loan documents. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 81450956 | xx | xx | xx | 32e0d7b5-f4de-4b77-9574-04cce9803bb3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated 2/xx/2020 reflects escrow holdback in the amount of $xx. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 16424200 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 16424200 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 16424200 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 8/xx/2024 does reflect Points - Loan Discount Fee at $1,791.00. CD dated 10/xx/2024 reflects Points - Loan Discount Fee at $4,918.92. This is an increase in fee of +$3,127.92 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active.<br>TRID Violation due to decrease in Lender Credit on Initial LE dated 08/xx/2024 reflects $1,023.00. Initial CD dated 09/xx/2024 reflects Lender Credit at $2,069.36, Final CD dated reflects Lender Credit at $0.00 This is decrease of $888.00 for fee which has 0% tolerance test. |  |  |
| 16424200 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows subject loan is closed as an escrowed loan, and the lender did not to include RE taxes in PITI. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated onxx/xx/2024, and the 3-year SOL is active. BWR has 4 months on the job as xx, FICO 776, $xxK equity in the subject, and $xx residual income. |  |  |
| 4372439 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> CPL paid by Borrower: $75.00<br> HoA Dues paid by Borrower: $1,560.00 |  |  |
| 4372439 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape and appraisal report show the subject is a condotel. The subject property is a unit at the xx project, located in the city of xx City, and has amenities such as a reception desk, gym, pool, library, and game room. Further details not provided. xx search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 4372439 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects as is conditions. Photo addendum shows soap dish broken off and carpet removed. Estimated cost to cure is not available in the loan file. 1004D is missing from the loan file and final CD does not reflect escrow holdback amount. |  |  |
| 4372439 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Your home loan toolkit is missing from the loan documents. |  |  |
| 4372439 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. The tape and file shows SSI award letter is not legible. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 receive social security income, FICO 684, 0X30 inception, and $xxK equity in the subject. |  |  |
| 13660688 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. |  |  |
| 13660688 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | Compliance ease TRID tolerance test is incomplete due to initial CD is missing from loan documents. Subject loan is refinance case, originated on xx/xx/2020 and the 3-years SOL has expired. |  |  |
| 13660688 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13660688 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | "The seller's tape defect shows that the loan was modified, and the deferred balance is in the amount of $xx. Further details were not provided. As per the modification agreement dated xx/xx/2024, there is no deferred amount. Per UT there is a partial claim mortgage in the same amount of $xx that was made on same date xx/xx/2024." |  |  |
| 17767574 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 17767574 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | Subject is purchase case. Final CD reflects cash to in the amount of $70.97. |  |  |
| 17767574 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 8/xx/2020 does reflect Points - Loan Discount Fee at $2,315.00. CD dated 9/xx/2020 reflects Points - Loan Discount Fee at $6,174.56. This is an increase in fee of +$3,859.56 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case that originated on 9/xx/2020, and the 1-year SOL is expired. |  |  |
| 17767574 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows Ginnie Mae modification to 40 year term. The modification agreement was made between the lender and borrower on xx/xx/2024. As per the modified term, the new principal balance is $xx. The monthly P&I is $xx with an interest rate of xx% beginning on xx/xx/2024 and a maturity date ofxx/xx/2060. |  |  |
| 38797265 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing proof of hazard insurance (Lvl 2) | Evidence of hazard insurance is missing from the loan documents. |  |  |
| 38797265 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD reflects cash to in the amount of $2,136.53. |  |  |
| 38797265 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that loan closed with the incorrect interest rate as intended/disclosed internally (at a lower rate). Review of loan file shows subject closed with a note rate of xx%. Further details not provided. |  |  |
| 38797265 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search reflects an estimated value of $xxK. The current UPB is $xxK. |  |  |
| 17822296 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.597% exceeds APR threshold of 8.410% over by +0.187%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 17822296 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.513% Exceeds APR threshold of 8.410% Over By +0.103%. Subject loan is escrowed. |  |  |
| 17822296 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,608.90 Exceeds Fees threshold of $5,809.29 Over by +$799.61. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $293.00<br> Lender Fee paid by Borrower: $430.00<br> Points - Loan Discount Fee paid by Borrower: $4,985.90<br> Processing Fee paid by Borrower: $650.00<br> Underwriting Fee paid by Borrower: $250.00<br>Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $6,608.90 Exceeds Fees threshold of $5,809.29 Over by +$799.61. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $293.00<br> Lender Fee paid by Borrower: $430.00<br> Points - Loan Discount Fee paid by Borrower: $4,985.90<br> Processing Fee paid by Borrower: $650.00<br> Underwriting Fee paid by Borrower: $250.00 |  |  |
| 17822296 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated 8/xx/2023 reflects escrow holdback in the amount of $14,512. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 17822296 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the investor was not able to determine BWR's future employment/income. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 5 years on the job as a xx. BWR2 has three days on the new job as a xx. Previously, BWR2 had 3 months on the job as an xx with xx. BWR2 was SE for 3 years between xx/xx/2019 and xx/xx/2022, FICO 670, 0X30 since inception, and $12K equity in the subject. |  |  |
| 17822296 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 06/xx/2023 does not reflect Appraisal Re-Inspection Fee. CD dated 8/xx/2023 reflects Appraisal Re-Inspection Fee at $150.00. This is an cumulative increase of $150.00 for charges that cannot increase. Valid COC for the increase in fee is available; COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 17822296 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 17822296 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock provided expired on 8/xx/2023 and the loan closed on 8/xx/2023. No lock extension found. |  |  |
| 17822296 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 76334320 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the review of the updated title report dated xx/xx/2024, the subject mortgage was originated on xx/xx/2019 by "xx." The loan application was signed by only trustee "xx." The tape data reflect that the loan closed improperly. xx was not on the loan application and signed all of the closing docs. |  |  |
| 25970676 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25970676 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender did not document 2018 business tax return and K-1. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL is expired. BWR has been SE for 10 years at xx, FICO 757, 0X30 in the last 24 months, and $xxK equity in the subject, $xx residual income. |  |  |
| 67574792 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject is OO, and the tape and review of the appraisal report show the subject property at the time of appraisal was rented with the lease expiring on xx/xx/2022, which is after 5 months of closing. Further details not provided. |  |  |
| 67574792 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape and review of the loan documents show the subject condo project is involved in litigation with the construction company over negligent and defective construction of the condo project, specifically related to the installation of the balcony railing. The engineer's inspection concluded that the railing posts are not in conformance with the building design. Elevated for client review. |  |  |
| 17983465 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate dated 6/xx/2024 and electronically signed on xx/xx/2024, and the initial closing disclosure dated 6/xx/2024 and electronically signed on xx/xx/2024, which is the delivery date on the initial closing disclosure delivery date. |  |  |
| 17983465 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Tape and review of the loan document show that the revised LE and CD dated 6/xx/2024 were issued the same day. Further details not provided. The subject loan is a purchase transaction, originated on xx/xx/2024, and the 1-year TRID-TILA SOL is active. |  |  |
| 17983465 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. |  |  |
| 17983465 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the TRID disclosure delivery date validation test due to the revised closing disclosure date is on a loan estimate delivery date. |  |  |
| 17983465 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17983465 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial LE is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year. |  |  |
| 57980477 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO. Tape shows BWR is Venezuelan, not a US national. Loan documents contain a valid work visa of the BWR. Further details not provided. |  |  |
| 2227988 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The operating income statement and rent schedule are missing from the loan documents. |  |  |
| 2227988 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing credit report (Lvl 3) | The credit report is missing from the loan documents. |  |  |
| 2227988 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO. Tape shows BWR is Venezuelan, not a US national. Loan documents contain a valid work visa of the BWR. Further details not provided. |  |  |
| 17421034 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.207% exceeds APR threshold of 7.930% over by +1.277%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 17421034 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject approved at 19.11%. Tape and file show BWR approved using bank statements with excessive amounts of NSFs. LOX in file shows BWR and restaurant had 26 NFSs over 12 months due to fluctuating restaurant income, payroll and operations. BWR has been SE for 5.25 years at xx, FICO 669, 0X30 since inception, and $xx equity in the subject. |  |  |
| 17421034 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 17421034 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 13103267 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is NOO and was approved at xx%. The tape shows rental income miscalculation as the supporting documents of the REO are missing. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL has expired. BWR has been xx at xx. for 30 years, FICO 735, 0X30 in the last 24 months, $xx equity in the subject, and $xx residual income. |  |  |
| 34418502 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is a NOO and was approved at xx%. The tape shows rental income miscalculation due to missing supporting documents of REO. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 18.75 years at xx, FICO 681, 0X30 in the last 24 months, $71K equity in the subject, and $3,602 residual income. |  |  |
| 83011583 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows deposits not sourced, and the bank statement does not have activity of 30-consecutive days. EMD of $25K submitted in the final CD is not sourced. Bank statement in file, which includes a gift of $xx, shows $xx; cash to close the requirement is $xx. Further details were not provided. The subject loan originated on xx/xx/2021. BWR has been SE for 22.66 years at xx, FICO 731, and $xx equity in the subject. |  |  |
| 83011583 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83011583 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender omitted mortgage debt owned by BWR's business without supporting documents. The revised DTI is xx%. Lender defect. Further details not provided. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR has been SE for 22.66 years at xx, FICO 731, 0X30 last 24 months, $xx equity in the subject, and $46K residual income. |  |  |
| 63828791 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | Tape shows the loan closed improperly as the individual not on the loan signed all of the closing documents. BWR's on the loan is an LLC, and the closing documents were signed by the manager of BWR's firm. Further details not provided. |  |  |
| 42803122 | xx | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Commercial Prop (Lvl 4) | The subject is mixed use. The tape and appraisal report show the subject property is a mixed-use property used as an old age home or assisted living facility. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. Elevated for client review. |  |  |
| 20256789 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance is missing from the loan documents. |  |  |
| 20256789 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 20256789 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 20256789 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows BWR was qualified using a new employment offer letter that does not match the paystubs. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR was qualified using an offer letter as a xx starting on xx/xx/2024. BWR has prior employment experience as a xx between 11/xx/2019 and 07/xx/2024 for 4.07 years, FICO 608, and $4K equity in the subject. |  |  |
| 80330729 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80330729 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to Initial loan estimate is missing from loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 80330729 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan closed with an LTV of xx%, which exceeds the LTV requirement of the CalHFA guideline. Further details not provided. |  |  |
| 46747197 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at (xx) the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at (xx), reflecting that the home is affixed permanently to the land. |  |  |
| 46747197 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.511% exceeds APR threshold of 8.440% over by +1.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 46747197 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.403% exceeds APR threshold of 8.440% over by +0.963%. Subject loan is escrowed.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 9.403%% exceeds APR threshold of 9.190% % over by +0.213% |  |  |
| 46747197 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46747197 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.403%% exceeds APR threshold of 9.190% over by +0.213%. |  |  |
| 46747197 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows APOR tolerance violation. Infinity compliance result shows loan failed HPML tests. Further details not provided. |  |  |
| 36268592 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36268592 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 07/xx/2022 does not reflect loan origination fee. CD dated 09/xx/2022 reflects loan origination fee at $3,042.50. This is an increase in fee of +$3,042.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years. |  |  |
| 36268592 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Missing initial application dated xx/xx/2022 signed by the loan originator. |  |  |
| 36268592 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID consummation date and closing / settlement date validation test.<br> This loan did not provide the consummation date or the closing / settlement date, which is required for the auditing the reimbursement date test.<br>Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96600794 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96600794 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report at origination is missing from the loan file. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 59597084 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as-is. The photo addendum of the subject property shows the enclosed patio is appears to be under construction. Walls are covered in plastic, floor is not complete and exterior windows are in plastic and boarded up. Appraiser did not address this. Elevated for client review. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. |  |  |
| 59597084 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59597084 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4 months on the job as a xx and has been SE for 4.75 years as a xx, FICO 707, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 85797939 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85797939 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #1 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Tape shows AVM $xxK. Current UPB is $xxK. Further details not provided. |  |  |
| 85797939 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 4829743 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The subject is NOO and the tape shows the condo association does not have any inflation guard insurance, which caused them to be removed from agency approval. Further details not provided. |  |  |
| 302205 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 302205 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 2/xx/2022 reflects Points - Loan Discount Fee at $25,946.00. CD dated 3/xx/2022 reflects Points - Loan Discount Fee at $27,455.00.<br> Loan estimate dated 2/xx/2022 reflects Appraisal Fee at $780.00. CD dated 3/xx/2022 reflects Appraisal Fee at $1,200.00.<br> This is a cumulative increase in fee of $1,929.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired. |  |  |
| 302205 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 302205 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $68,487.50 exceeds fees threshold of $42,391.77 over by +$26,095.73. <br> The following fees were included in the test:<br> Lender Fee paid by Borrower: $1,295.00<br> Mortgage Broker Fee (Indirect) $39,737.50<br> Points - Loan Discount Fee paid by Borrower: $27,455.00.<br>Loan fails Qualified Mortgage APR Threshold Test due to APR calculated 7.323% exceeds APR threshold of 6.010% over by +1.313%. |  |  |
| 302205 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The subject was approved at xx%. Tape shows borrower has 6 months of reserves only instead of the 12 months of reserves required as per the program. Bank statements in the file show $xxK; cash to close required is $xx and 12 months reserves in the amount of $xx. There is a short fall in the amount of $xx. Further details not provided. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been SE for 10 years at xx, FICO 666, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 302205 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Qualified Mortgage DTI exceeds 43% (Lvl 4) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $xx, and the loan is manually underwritten. |  |  |
| 302205 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed the qualified mortgage interest only test. This loan is an interest only loan or a graduated payment mortgage. |  |  |
| 302205 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.331% exceeds APR threshold of 6.260% over by +1.071%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.323% exceeds APR threshold of 5.260% over by +2.063%. Subject loan is escrowed. |  |  |
| 302205 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2022 and the 1-year SOL has expired. |  |  |
| 55105991 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the borrower has more than 6 financed properties with a 692 credit score, and the agency requires a 720 credit score for more than 6 financed properties. Further detail not provided. |  |  |
| 98697860 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement is missing from the loan documents. |  |  |
| 98697860 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed with PIW, and the tape shows the loan was repurchased as the lender did not address the water problem identified by performing a full appraisal and third-party inspection report. 1004D, or the third-party inspection report by a licensed professional, is missing from the loan documents. Further details not provided. Seller provided inspection addresses the water issue. |  |  |
| 36397772 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is a NOO and was approved at xx%. Tape shows income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 10.33 years at xx. BWR2 has been SE for 10 years at xx, FICO 650, 0X30 since inception, $xxK equity in the subject, and $xx residual income.<br> Downgraded to level 2 as per PH. |  |  |
| 5034265 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired. |  |  |
| 5034265 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE delivery and timing test. Initial LE dated 10/xx/2020 delivered on 3/xx/2021 which is more than 3 business days from initial application date xx/xx/2020.<br>The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired. |  |  |
| 5034265 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final CD as $459,726.64. Calculated finance charge is $463,080.16 for an under disclosed amount of -$3,353.52. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired.<br>The loan failed TRID Total of Payments Test due to total of payments charged disclose on final CD as $459,726.64 calculated total of payments of $463,080.16 over by -$3,353.52. The subject loan is a refinance, originated on xx/xx/2021 and the 3-year SOL has expired. |  |  |
| 5034265 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 10.08 years on the job as a xx, FICO 685, 0X30 since inception, $xxK equity in the subject, and $xx residual income. |  |  |
| 5034265 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. Post-close transmittal summary is available; reflect loan amount does not match with subject loan amount. |  |  |
| 5034265 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed as construction to permanent loan, and the loan was modified with change in terms. Further details not provided. |  |  |
| 5034265 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS report is missing from the loan documents. Post-close AUS is available; the reflect loan amount does not match with the subject loan amount. |  |  |
| 5034265 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report at origination is missing from the loan documents. The post-close appraisal report available in the loan file reflects the construction is completed. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 59573688 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM_TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO as the property is rented causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire on xx/xx/25. BWR1 has 1.25 years on the job as an xx; BWR2 has 2.50 years on the job as a xx, FICO 613, and $xxK equity in the subject. |  |  |
| 59573688 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM_TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 59573688 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM_TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $4,530.52 and the loan was under written by DU (Locator#xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 59573688 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM_TRID | QC Complete | Virginia | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO as the property is rented. Further details not provided. Elevated for client review. |  |  |
| 93237870 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO, as BWR listed the subject property for rent, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2.16 years on the job as a xx, FICO 786, 0X30 since inception and $xxK equity in the subject. |  |  |
| 93237870 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows subject is NOO, as BWR listed the subject property for rent. Further details not provided. Elevated for client review. |  |  |
| 76330573 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 76330573 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows paystubs do not support BWR working FT 40 hours per week that was used to qualify. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 1.75 years on the job as a xx, FICO 650, and $xxK equity in the subject. |  |  |
| 34334076 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Finance Charge test due. Finance charge disclosed on final CD as $171,728.60. Calculated finance charge is $172,198.35 for an under disclosed amount of -$469.75. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 34334076 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows lender did not verify post closing employment used to qualify and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR receives social security and pension income, FICO 773, $xx equity in the subject, 0X30 inception, and $563 residual income. |  |  |
| 82865174 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows insufficient assets for closing. Bank statements in the file show $xxK; gift assets verified of $75K supported by gift letter satisfy the cash to close requirement of $xxK at closing. Further details not provided. BWR2 has been SE for 11 years at xx, FICO 691, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 82865174 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Loan fails compliance delivery and timing test for CD dated 06/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of xx/xx/2024, which is after the consummation date of xx/xx/2024. |  |  |
| 63259446 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is NOO and was approved at xx%. Tape shows miscalculation of social security income. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 10.41 years at xx, the BWR receives social security income, FICO 790, 0X30 since inception, $xx equity in the subject, and residual income $xx. |  |  |
| 40596654 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows evidence of BWR being a beneficiary of funds from a trust, and use of funds for qualification is missing from the loan documents. The receipt of funds from the sale of REO property belonging to the deceased mother in the amount of $xxK and the receipt of funds of $xxK by the settlement agent for the subject loan is available in the loan documents. |  |  |
| 28752985 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx0%. Tape shows undisclosed debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. Subject was originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 6.83 years with xx. BWR2 has 13.33 years on the job as a xx, FICO 710, $xxK equity in the subject, and residual income of $xx. |  |  |
| 22521560 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject loan was repurchased as PDR (Property Data Report) was used to determine the appraisal value on the subject loan instead of a full appraisal report with interior and exterior inspection. Further details not provided. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 22521560 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The property data report is approved in as-is condition. The photo addendum shows an unfinished basement with debris. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. |  |  |
| 25689997 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.203% exceeds APR threshold of 6.770% over by +0.433%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d).<br>Loan failed qualified mortgage safe harbor threshold test APR calculated 7.134% APR threshold 6.770% over by +0.364%. The subject loan is escrowed. |  |  |
| 25689997 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Fannie Mae public guidelines) QM Points and fees test due to fees charged $6,633.44 fees threshold: $4,934.42 over by +$1,699.02.<br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,734.44<br> Processing Fee paid by Borrower: $1,899.00<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $6,633.44 fees threshold $4,934.42 over by +$1,699.02<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,734.44<br> Processing Fee paid by Borrower: $1,899.00 |  |  |
| 25689997 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape defect shows the borrower was behind on payments and recently deferred missing payments on the loan to bring himself current. The terms of the loan were unchanged, and he did defer payment of $8742. According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The current UPB reflected as per the payment history is $xx. |  |  |
| 27181856 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed with the wrong credit reference number in the AUS submission at closing. AUS resubmitted with correct credit reference numbers does not give an approve/eligible risk recommendation for the subject loan. BWR's FICO dropped from 702 to 672, and collateral is in good condition. Further details not provided. |  |  |
| 27181856 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement is missing from the loan documents. |  |  |
| 8092825 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8092825 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at 49.83%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 2 years on the job as a xx, FICO 745, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 6781910 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6781910 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided. Appraiser state that the subject was not transferred within last 3 years. |  |  |
| 4221534 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject closed with a DPA loan of $xx, and BWR did not have 2 months reserve at the time of closing to qualify for manual underwriting. Further details not provided. |  |  |
| 4221534 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 4221534 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3575549 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $8,078.20 exceeds fees threshold of $6,734.81 over by +$1,343.39. <br> The below fees were included in the test: <br> Document Preparation Fee paid by Borrower: $24.00<br> Points - Loan Discount Fee paid by Borrower: $6,132.00<br> Processing Fee paid by Borrower: $60.00<br> Rate Lock Extension paid by Borrower: $467.20<br> Underwriting Fee paid by Borrower: $1,395.00 |  |  |
| 3575549 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3575549 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows that BWR income miscalculation as social security income incorrectly grossed up. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives social security and pension income, FICO 707, and $58K equity in the subject. |  |  |
| 3575549 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $8,078.20 exceeds fees threshold of $6,734.81 over by +$1,343.39. <br> The below fees were included in the test:<br> Document Preparation Fee paid by Borrower: $24.00<br> Points - Loan Discount Fee paid by Borrower: $6,132.00<br> Processing Fee paid by Borrower: $60.00<br> Rate Lock Extension paid by Borrower: $467.20<br> Underwriting Fee paid by Borrower: $1,395.00 |  |  |
| 26167855 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is as is. Tape shows appraisal did not address health and safety issues as there is no deck for doors in the rear or stairs leading up to them outside. An inspection report from a structural engineer certifying the safety and soundness of the subject property is missing from the loan documents. Appraisal in file does not show the subject issues. Downgraded to LVL3. |  |  |
| 26167855 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34895626 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, which states that the manufactured home with Serial # xx has been affixed to the permanent foundation. |  |  |
| 34895626 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Doc Issues | Active | 3: Curable | \* Settlement date is different from note date (Lvl 3) | Final CD reflects closing date as xx/xx/2023. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2023. Note date is xx/xx/2023. |  |  |
| 34895626 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan closed with an FHA total loan score issue and a DU glitch. Loan is not government insured. Further details were not provided. |  |  |
| 34895626 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 72458494 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.091% exceeds APR threshold of 5.940% over by +1.151%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.091% exceeds APR threshold of 5.940% over by +1.151%. Subject loan is escrowed. |  |  |
| 72458494 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal of subject property is subject to repairs due to wood rot, damaged siding, damage to walls, and a hole in the wall. Estimated cost to cure is not available in the loan file. As per the available 1004D, only the AC system unit has been replaced, and some repairs still need to be completed; the updated 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback amount. |  |  |
| 31180845 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 2/xx/2024 reflects cash to in the amount of $503.36. |  |  |
| 31180845 | xx | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Closing_Disclosure violations (Lvl 3) | As per the document tracker located at xx, the closing disclosure dated 2/xx/2024 is missing from the loan documents. |  |  |
| 31180845 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 31180845 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 31180845 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Subject loan is VA purchase transaction and approved at xx%. Tape shows borrower was short on funds/cash to close. Review of loan file shows BWR submitted $70 in assets. FCD and AUS do not show asset requirement. Subject loan originated on xx/xx/2024. Further details not provided. BWR receives SSI and VA disability income, FICO 717, $xxK equity in the subject and $xx residual income. |  |  |
| 31180845 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 2/xx/2024 does not reflect Points - Loan Discount Fee. CD dated 02/xx/2024 reflects Points - Loan Discount Fee at $4,134.38. This is an increase in fee of +$4,134.38 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL is active. |  |  |
| 31180845 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. |  |  |
| 38252994 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows subject is NOO. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 3.5 years at xx, and $xxK equity in the subject. |  |  |
| 38252994 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape indicates that the property is NOO. Further details were not provided. Elevated for client review. |  |  |
| 95863165 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx reflects that the home is affixed to the land and the Serial# is xx. |  |  |
| 95863165 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows subject is NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject originated xx/xx/24 and the 3 year SOL is active. BWR has 28 years SE as a xx, FICO 728, 0X30 since inception and $xxK equity in subject. |  |  |
| 95863165 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows borrower only has 1 tradeline. |  |  |
| 95863165 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 95863165 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 95863165 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 95863165 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test.<br> The initial loan estimate dated 8/xx/2024 reflects Appraisal Fee at $620.00. Final CD dated 9/xx/2024 reflects Appraisal Fee at $750.00.<br> The initial loan estimate dated 8/xx/2024 does not reflect Appraisal Review Fee. Final CD dated 9/xx/2024 reflects Appraisal Review Fee at $120.00.<br> This is a cumulative increase in fee of +$250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 95863165 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape shows the subject property is NOO. Further details not provided. Elevated for client review. |  |  |
| 27876923 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27876923 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 11/xx/2024. Initial LE dated 10/xx/2024 reflects Lender Credit at $3,628.00, Final CD dated 11/xx/2024 reflects lender credit at $2,418.75. This is decrease of +$1,209.25 for fee which has 0% tolerance test. Valid COC is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 27876923 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | ARM disclosure is missing from the loan file. |  |  |
| 27876923 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows failed to provide ARM disclosure and Charm Booklet within 3 days. Review of loan file shows ARM disclosure and Charm booklet are missing from the loan file. Further details were not provided. |  |  |
| 27876923 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects as-is conditions. Photos addendum shows garage interior needs to be repainted. The estimated cost to cure is not available in the loan file. The updated 1004D/completion report is missing in the file, and the final CD does not reflect the escrow holdback amount. |  |  |
| 95178369 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan is NOO and was approved at xx%. The tape shows rental income was included twice in DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 9.08 years on the job as a xx, FICO 773, and $xxK equity in the subject. |  |  |
| 58331773 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows property is in a rural area, and BWR has been on the same job for 9 years and in the property for the last 4 years. Further details not provided. |  |  |
| 58331773 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 58331773 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase test. Initial LE dated 09/xx/2024 reflect points-loan discount fee at $856.00. Final CD dated 10/xx/2024 reflect points-loan discount fee at $900.00. This is an increase of $44.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 58331773 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 58331773 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 97127134 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Loan Origination Fee test due to fees calculated $1,596.55 exceeds fees threshold of $1,350.00 over by +$246.55. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,350.00<br> Pest Inspection Fee paid by Borrower: $155.00<br> Title Mobile Home Fee paid by Borrower: $91.55. |  |  |
| 97127134 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows an uninsurable VA loan and net tangible benefits not met. Further details not provided. Final CD shows BWR received $12,460 cash out at closing. |  |  |
| 97127134 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test due to LE dated 1/xx/2024 reflects the sum of Section C fees and Recording fee at $721.00. Final CD dated 02/xx/2024 reflects the sum of Section C and Recording fee at $812.55. This is a cumulative increase of +$19.45 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is not available. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 97127134 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 97127134 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 97127134 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, reflecting that the home is affixed permanently to the land with Serial #xx. |  |  |
| 41487655 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated 12/xx/2023 delivered on 12/xx/2023 which is more than 3 business days from initial application date xx/xx/2023. Subject loan is refinance case, originated on xx/xx/2024 and the 3 years SOL is active. |  |  |
| 41487655 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 41487655 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows Freddie did not agree with as is appraisal. Subject is 220 year old home in C3 condition. Appraiser notes home is habitable as is. Review of appraisal shows the exterior in need of paint and the interior in need of update to the mechanicals, basement, crawl space. Cost to cure not provided. Also, appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #4 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 41487655 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,788.00 exceeds fees threshold of $4,314.75 over by +$1,473.25. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,795.00<br> Points - Loan Discount Fee paid by Borrower: $3,993.00 |  |  |
| 41487655 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41487655 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 41487655 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $5,788.00 exceeds fees threshold of $4,314.75 over by +$1,473.25. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,795.00<br> Points - Loan Discount Fee paid by Borrower: $3,993.00 |  |  |
| 30760108 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 30760108 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 7/xx/2024 reflects Points - Loan Discount Fee at $14,080.00. Final CD dated 10/xx/2024 reflects Points - Loan Discount Fee at $15,180.00.<br> Revised CD dated 10/xx/2024 reflects Rate Lock Extension Fee at $6,886.00. Final CD dated 10/xx/2024 reflects Rate Lock Extension Fee at $9,922.00. This is a cumulative increase in fee of +$4,136 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>TRID violation due to decrease in lender credit on closing disclosure dated 10/xx/2024. The revised CD dated 10/xx/2024 reflects lender credit at $17,166.00. Final CD dated 10/xx/2024 reflects lender credit at $100. This is a decrease of $17,066.00 for a fee that has a 0% tolerance test.<br> Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 30760108 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows APR increased by 0.125% without a three-day waiting period. Infinity CE does not fail delivery and timing tests. Further details were not provided. |  |  |
| 52989752 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $3,998.78 and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 52989752 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender did not validate BWR employment history. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL will expire xx/xx/25. BWR has 4.66 years on the job as a xx, FICO 607, 0X30 since inception, $xxK equity in the subject. |  |  |
| 24993785 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan is an FHA streamline refinance. Tape shows the loan does not meet the FHA seasoning period requirement. Further details not provided. |  |  |
| 24993785 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 24993785 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance is missing from the loan documents. |  |  |
| 60769179 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated 2/xx/2021. The initial LE dated 1/xx/2021 reflects lender credit at $970. Final CD dated 2/xx/2021 does not reflect lender credit. This is a decrease of $970 for a fee that has a 0% tolerance test.<br> Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL is expired. |  |  |
| 60769179 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the appraisal report, the subject is a new construction. Tape and review of the loan file show the subject property is ineligible, as the subject property does not have an individual property tax ID number. Appraisal report does not show the parcel ID. The legal description with deed and mortgage also shows the subject legal as an undivided one-fourth interest in and to Lot xx, in block xx/xx. There is no individual property tax ID assigned to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 36395851 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx/xx/2023 and the 1-year SOL has expired. |  |  |
| 36395851 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 3 months on the job as a xx, FICO 672, and $xxK equity in the subject. |  |  |
| 36395851 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is as is, and the improvement section shows the roof was patched, flooring is damaged, interior walls need repainting, vinyl flooring needs replacing. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. |  |  |
| 36395851 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 47152150 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.194% exceeds APR threshold of 8.360% over by +0.834%. Subject loan is escrowed.<br>Loan failed GSE (Freddie Mac public guidelines) QM APR threshold test due to APR calculated 9.194% exceeds APR threshold of 9.110% over by +0.084%. Subject loan is escrowed.<br>Loan failed Qualified Mortgage APR threshold test due to APR calculated 9.194% exceeds APR threshold of 9.110% over by +0.084%. Subject loan is escrowed. |  |  |
| 47152150 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47152150 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is; the photo addendum and improvement section show the landscaping and touch-up paint are items to be completed. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 47152150 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 47152150 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 7/xx/2024 reflects cash to the borrower in the amount of $xx. |  |  |
| 47152150 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 06/xx/2024 reflects Points - Loan Discount Fee at $4,500.00. Final CD dated 07/xx/2024 reflects Points - Loan Discount Fee at $4,770.00. This is an increase in fee of +$270.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2024 and the 1 year SOL is active. |  |  |
| 47152150 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan violated the QM price limit rule. Infinity CE result failed QM APR test. Further details are not provided. |  |  |
| 17276440 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 17276440 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. Itemization of fee is available at xx |  |  |
| 34870421 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit is located at "xx" which states that the original note has been lost or destroyed. The note is available in the loan file (xx), and the loan was modified on xx/xx/2017. |  |  |
| 94536253 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. Total fees charged is $551.70 and allowed $391.20. It is over charged by +$160.50. |  |  |
| 94536253 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit is available in the file located at xx. The original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. The loan was modified on xx/xx/2018. |  |  |
| 94536253 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Copy of HUD-1 is not signed by the BWR. |  |  |
| 46062353 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure signed by the borrower is missing from the loan documents. |  |  |
| 46062353 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final HUD dated 8/xx/2007 reflects cash to in the amount of $3,167.25. |  |  |
| 46062353 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71599809 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 71599809 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date not consistent with note and/or HUD. |  |  |
| 71599809 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer doc is missing from loan file. |  |  |
| 71599809 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | The prepayment penalty rider is not reflected in the deed of trust, and it is reflected in the note. |  |  |
| 37386818 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 37386818 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents |  |  |
| 53361066 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 53361066 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 53361066 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to final TIL is missing from the loan documents. |  |  |
| 53361066 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 53361066 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing from loan documents. |  |  |
| 53361066 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest TIL itemization in file. |  |  |
| 3979185 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report dated xx/xx/2004 is subject to completion. Updated 1004D is missing from the loan document. |  |  |
| 96163802 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $296.40 exceeds the per diem interest charge or credit threshold $80.63. |  |  |
| 96163802 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is xx/xx/2004, and the note date is xx/xx/2004, which is not consistent. |  |  |
| 96163802 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final executed HUD. CE was tested based on seller provided unexecuted HUD at closing. |  |  |
| 79278659 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is not consisted with note and final HUD-1. |  |  |
| 79278659 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test.<br> The loan has late fees that do not confirm to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not confirm to the requirements for the lender's license type in the state where the property is located.<br>The CE risk indicator is moderate as the loan is failing for Points Test. Total fees charged is $3,971.13 and allowed $3,487.50, it is over charged by +$483.63.<br>Fees Included:<br> Loan Discount Fee paid by Borrower: $2,964.38<br> Application Fee paid by Borrower: $360.00<br> Processing Fee paid by Borrower: $626.00<br> Flood Determination - Life of Loan Fee paid by Borrower: $20.75 |  |  |
| 79278659 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79278659 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 2597184 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $103.44, allowed $69.92 and it is over charged by +$33.52. |  |  |
| 2597184 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment penalty rider is missing from loan file. Deed of trust does not show any requirement of rider. |  |  |
| 2597184 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 2597184 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final HUD-1 as $257,816.17. Calculated finance charge is $257,941.60 for an under disclosed amount of -$125.43.<br>Loan failed TILA Foreclosure Rescission Finance charge of $257,816.17 exceeds disclosed finance charge of $257,906.60 for an under disclosed amount of -$90.43. |  |  |
| 2597184 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 2597184 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 along with itemization of fee is missing from the loan documents. |  |  |
| 33499576 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan document. xx shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 33499576 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. |  |  |
| 33499576 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 33499576 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 along with itemization of fee is missing from the loan documents. |  |  |
| 21224248 | xx | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure is missing from the loan documents. |  |  |
| 21224248 | xx | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) | Borrower billing rights disclosure is missing from the loan documents. |  |  |
| 21224248 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note along with lost note affidavit is missing from the loan file. The loan has been modified. The loan modification document is missing from the loan file. |  |  |
| 20480832 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 20480832 | xx | xx | xx | d4754c69-175b-4016-ad01-2af377fb480c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing HELOC Disclosures (RESPA) (Lvl 2) | HELOC disclosure is missing from the loan documents. |  |  |
| 20480832 | xx | xx | xx | ef877a96-91e3-4c2c-91da-686433b17da5 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Borrower Billing Rights (RESPA) (Lvl 2) | BWR's billing rights disclosure is missing from the loan documents. |  |  |
| 20480832 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note along with lost note affidavit is missing from the loan file. The loan has been modified. The loan modification document is missing from the loan file. |  |  |
| 47258801 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer doc is missing from loan file. |  |  |
| 47258801 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 47258801 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47258801 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report doc is missing from loan file. |  |  |
| 47258801 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 2852278 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2852278 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 2852278 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest TIL itemization in file. |  |  |
| 5535327 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final TIL as $214,184.94. Calculated finance charge is $214,443.93 for an under disclosed amount of -$258.99. Reason for Finance charge under disclosure is unknown as the fee itemization is missing. <br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $214,184.94. Calculated finance charge is $214,408.93 for an under disclosed amount of -$223.99. Reason for Finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 5535327 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is not signed by the borrower. |  |  |
| 5535327 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL not hand dated by the borrower. |  |  |
| 5535327 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed state regulations on the per diem interest amount test due to the per diem interest amount charged on the loan at $638.00 exceeding the threshold of $467.83 by $170.17. |  |  |
| 5535327 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | Home is not affixed. According to the appraisal report dated xx/xx/2006, the subject property type is a "manufactured home." The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. As per the final title policy schedule B, which is located at "xx," an exception is raised for notice of xx home (mobile home) or commercial coach installation on a foundation system recorded xx xx, 1989, as Instrument No. xx. |  |  |
| 5535327 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD is not signed by the borrower. |  |  |
| 62108225 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 62108225 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 81192067 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 81192067 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 81192067 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 81192067 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 81192067 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 73820180 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 73820180 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 58377242 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 58377242 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest TIL itemization in file. |  |  |
| 9210883 | xx | xx | xx | 411fa7d7-c445-4fa7-9dc2-654417d64e3c | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Mobile Home (Lvl 2) | Home is affixed to the land. Appraisal report is missing. As per the seller's tape data and the property report, which is located at xx, the subject property type is manufactured home. The manufactured home rider and affidavit of affixation attached with the UT located at xx state that the manufactured home with VIN/Serial # xx has been affixed to the permanent foundation. |  |  |
| 9210883 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 9210883 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 58826205 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, If the index is no longer available, the note holder will choose a new index that is based upon comparable information. The Note holder will give notice of this choice. |  |  |
| 58826205 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD missing. File missing final HUD. CE was tested using the settlement statement in file. |  |  |
| 99569100 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the lender fees test due to fees charged $470.55 exceeds fees threshold of $150.00 over by +$320.55. <br> The below fees were included in the test:<br> Processing Fee paid by Borrower: $120.00<br> Underwriting Fee paid by Borrower: $340.00<br> Courier / Messenger Fee paid by Borrower: $10.55. |  |  |
| 99569100 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed. According to the appraisal report dated xx/xx/1999, the subject property is a "xx." The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. We are unable to confirm whether the home is attached to the land or not. |  |  |
| 28496339 | xx | xx | xx | 47ab46b4-0fbc-4f6c-9428-bd583140dad9 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Credit score not provided (Lvl 2) | Credit Score is not Provided |  |  |
| 28496339 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 28496339 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest TIL itemization in file. |  |  |
| 28496339 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Balloon Rider Missing (Lvl 3) | Balloon rider is missing from the loan documents. |  |  |
| 28496339 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home not affixed. As per the appraisal located at "xx," the subject property type is manufactured home. The final title policy does not show ALTA 7 endorsement. The legal of mortgage does not show the VIN#. The Affidavit of Affixation is not available in the loan file. We are unable to verify whether the subject property has been permanently attached to the foundation or not. |  |  |
| 62935259 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan documents. |  |  |
| 62935259 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from loan documents. |  |  |
| 62935259 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 62935259 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per seller's tape data, the property type is manufactured housing. Appraisal report is missing from the loan file. The ALTA 7 endorsement is attached to the final title policy located at "xx". Manufactured Home Rider attached with mortgage located at "xx. |  |  |
| 62935259 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing from loan documents. |  |  |
| 62935259 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 394512 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial escrow account disclosure is not signed by the borrower. |  |  |
| 394512 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| 394512 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 394512 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report located at (xx), the subject property is a manufactured home. The Alta-7 endorsement is not attached to the final title policy, nor is the VIN# mentioned in the subject mortgage's legal description. An affidavit of affixation is not available in the loan file. As per the final title policy schedule B, which is located at "xx," an exception is raised for notice and certificate of occupancy for mobile home installation on a foundation system (HCD 433A 4/86) recorded xx xx, 2000, as Instrument No. xx of official records of xx County, xx. |  |  |
| 394512 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the estimated copy of HUD. |  |  |
| 45538506 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the late fees test due to late fees calculated 6.000% exceed late fees threshold of 5.000% over by +1.000%. Loan failed state regulations for the prepayment term test due to the loan has prepayment of 36 months. |  |  |
| 45538506 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are not failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 45538506 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $143,118.22. Calculated finance charge is $143,177.14 for an under disclosed amount of -$58.92. Reason for finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 45538506 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 52738924 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from loan documents. |  |  |
| 52738924 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 52738924 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from loan documents. |  |  |
| 52738924 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 44735680 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to APR calculated 0.000% exceeds APR threshold 4.633% under disclosed by -4.633%. |  |  |
| 44735680 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $210.20 exceeds the per diem interest charge or credit threshold $-621.96. |  |  |
| 44735680 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 44735680 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 44735680 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 44735680 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is missing from the loan documents. CE was tested using the final disbursement statement in the file. |  |  |
| 44735680 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal is missing. |  |  |
| 45772514 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount test Total fees charged is $3,407.40 and allowed $809.10. It is over charged by +$2,598.30.<br> This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)<br> The per diem interest amount charged on the loan ($3,407.40) exceeds the per diem interest charge or credit threshold ($809.10).<br> PLEASE NOTE: An additional $1 buffer was not included in the per diem interest charge or credit threshold displayed above based on<br> the client preferences configured on the per diem interest settings page |  |  |
| 45772514 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is missing from the loan documents and itemization is available at xx. |  |  |
| 21259273 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21259273 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents. |  |  |
| 21259273 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 21259273 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 74586557 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 74586557 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan, $xx, exceeding the per diem interest charge or credit threshold of $205.50. |  |  |
| 74586557 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 74586557 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-1 is not signed by the borrower. |  |  |
| 72493827 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents. |  |  |
| 39634485 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 39634485 | xx | xx | xx | 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage Riders incomplete / inaccurate (Lvl 2) | Mortgage riders are incomplete. |  |  |
| 39634485 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 39634485 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD missing. File missing final HUD. CE was tested using the estimated closing statement in the loan file. |  |  |
| 11922486 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from loan documents. |  |  |
| 11922486 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $246.30 exceeds the per diem interest charge threshold of $-123.15. |  |  |
| 29566173 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test . Total fees charged is $480.94 and allowed $68.44 over charged by +$412.50. |  |  |
| 29566173 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 29566173 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from loan documents. xx search shows an estimated value of $xxM. Current UPB $xxK. |  |  |
| 80701347 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure signed by the borrower is missing from loan file. |  |  |
| 6819520 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report doc is missing from loan file. |  |  |
| 6819520 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for per diem interest amount test. Total fees charged is $288.89, allowed $72.22 and it is over charged by +$216.67. |  |  |
| 6819520 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from loan file. |  |  |
| 6819520 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 along with itemization of fee is missing from loan file. |  |  |
| 24584376 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand-dated by the borrower. |  |  |
| 24584376 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | A review of the appraisal report shows the subject is a condotel. Subject is a unit in the xx and Tower project in xx. The project has a rental program and commercial amenities like a salon, a restaurant, outdoor heated spas, a business center, and a meeting facility. |  |  |
| 75695390 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the per diem interest amount test due to fees charged $2,163.61 exceeds fees threshold of $403.33 over by +$1,760.28. |  |  |
| 75695390 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24172381 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR is hand signed by the borrower, dated xx/xx/2007, and the note date is xx/xx/2007. |  |  |
| 24172381 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Subject loan is ARM note. Loan program disclosure is missing from loan file. |  |  |
| 24172381 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | Borrower hand-dated and hand-signed the final TIL on xx/xx/2007, which is after the actual transaction date of xx/xx/2007. |  |  |
| 24172381 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the estimated HUD in file. |  |  |
| 56104384 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 56104384 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan documents. |  |  |
| 56104384 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 56104384 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 97964342 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 97964342 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. |  |  |
| 97964342 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 97964342 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents. |  |  |
| 80328187 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34284320 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan documents. |  |  |
| 34284320 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 34284320 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 34284320 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB: $xxK. |  |  |
| 34284320 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 57697507 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 57697507 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 57697507 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the estimated HUD-1 and itemization of the fee, is missing from the loan documents. |  |  |
| 94223861 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD missing. File missing final HUD. CE was tested using the borrower estimated statement in the loan file. |  |  |
| 25630917 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan document. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 25630917 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 25630917 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 75719483 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $1,397.44 exceeds the per diem interest charge or credit threshold of $890.40 over by +$507.04. |  |  |
| 7048553 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7048553 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the state regulations for the per diem interest amount test due to fees charged of $158.62 exceed fees threshold of $123.90 over by +$34.72. |  |  |
| 94633607 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB: $xxK. |  |  |
| 94633607 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. The appraisal report is missing from the loan file. As per the tax report attached with the updated title report dated xx/xx/2025, located at (xx), the subject property is a mobile home and shows the serial numbers xx for the mobile home in the legal description. |  |  |
| 94633607 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. |  |  |
| 97050073 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 97050073 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final HUD-1 dated xx/xx/2007 reflects cash to the borrower in the amount of $xx. |  |  |
| 97050073 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-1 signed by the borrower is missing from the loan documents. |  |  |
| 34608317 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 34608317 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB: $xxK. |  |  |
| 34608317 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 34608317 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 34608317 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 34608317 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents. |  |  |
| 78231867 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $95.88 exceeds the per diem interest charge or credit threshold $38.88. |  |  |
| 8256852 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $673,308.46. Calculated finance charge is $673,372.32 for an under disclosed amount of -$63.86. Reason for finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 87190632 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 87190632 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed the TILA APR test due to final TIL is missing from the loan documents. |  |  |
| 87190632 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $784.44 exceeds the per diem interest charge or credit threshold $618.66. |  |  |
| 87190632 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | ARM loan program disclosure is missing from the loan documents. |  |  |
| 87190632 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. |  |  |
| 42137315 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 42137315 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 42137315 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. <br> As per the appraisal report located at "xx", the subject property type is manufactured housing. The Alta-7 endorsement is incorporated with the final title policy. The VIN# xx is available in the legal description of the vesting deed, which is located at "xx". The home is permanently affixed to the land. |  |  |
| 96260918 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Nebraska | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB: $xxK. |  |  |
| 79267194 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 64005860 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from loan file. |  |  |
| 64005860 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Loan does not conform to program guidelines (Lvl 2) | Tape Shows : Non-Forgivable Forbearance at MOD::xx…………….Forgivable Forbearance at MOD::…………Non-Mod Forbearance::……….Applied Forgiveness::………EverCovid::No………BK Flag:: No |  |  |
| 64005860 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64005860 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 64005860 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $3,276.81, allowed $2,166.60 and it is over charged by +$1,110.21. |  |  |
| 7556628 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 43188146 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 43188146 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index doc is missing from loan file. |  |  |
| 43188146 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Application Missing (Lvl 2) | Final application signed by the borrower is missing from the loan documents. |  |  |
| 43188146 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 43188146 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 43188146 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 43188146 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 43188146 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents. |  |  |
| 9146873 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25914006 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 25914006 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 25914006 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 25648934 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final TIL as $87,487.28. Calculated finance charge is $87,648.56 for an under disclosed amount of -$161.28. Reason for finance charge under disclosure is unknown as the fee itemization is missing. <br>TILA foreclosure rescission finance charge test due to finance charge disclosed on final TIL as $87,487.28. Calculated finance charge is $87,613.56 for an under disclosed amount of -$126.28. Reason for finance charge under disclosure is unknown as the fee itemization is missing. |  |  |
| 25648934 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test: On the GSE fee violations, these loans are NOT failing federal, state, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 25648934 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final settlement statement points and fees are not clearly visible. |  |  |
| 86188944 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | HUD-1 is not signed by BWR. |  |  |
| 86188944 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. |  |  |
| 86188944 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge of $166,916.64 exceeds disclosed finance charge of $197,770.00 for an under disclosed amount of -$30,853.36.<br>Loan failed TILA Foreclosure Rescission Finance charge of $166,916.64 exceeds disclosed finance charge of $197,735.00 for an under disclosed amount of -$30,818.36.<br>Loan failed TILA APR test due to APR calculated 4.261% exceeds APR threshold 4.864% under disclosed by -0.603%.<br> . |  |  |
| 86188944 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date not consistent with note and hud. |  |  |
| 86188944 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. |  |  |
| 86188944 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86188944 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Index value is unable to confirm due to supporting documents are missing from the loan file. |  |  |
| 38676747 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | 561 | xx | xx | Pre-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Index value is unable to confirm due to supporting documents are missing from the loan file. |  |  |
| 38676747 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Mississippi | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. |  |  |
| 38676747 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 38676747 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50767699 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50767699 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 91436419 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 91436419 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 99226191 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed disclosed APR High-Cost threshold exception test due to APR calculated 13.185% exceeds APR threshold of 12.590% over by +0.595%. |  |  |
| 99226191 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final executed HUD. CE was tested based on seller provided unexecuted HUD at closing. |  |  |
| 4911545 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the per diem interest amount test due to fees charged $518.54 exceed fees threshold of $135.59 over by +$382.95. |  |  |
| 4911545 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the borrower estimated closing statement in the file. |  |  |
| 56516416 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56516416 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. |  |  |
| 56516416 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan document. |  |  |
| 56516416 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge of $370,668.13 exceeds disclosed finance charge of $394,586.35 for an under disclosed amount of -$23,918.22.<br>Loan failed TILA Foreclosure Rescission Finance charge of $370,668.13 exceeds disclosed finance charge of $394,551.35 for an under disclosed amount of -$23,883.22.<br>Loan failed TILA APR test due to APR calculated 5.564% exceeds APR threshold 5.800% under disclosed by -0.236%. |  |  |
| 56516416 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 closing statement signed by borrower is missing from the loan documents. estimated disbursement statement is available at - xx. |  |  |
| 58613998 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. |  |  |
| 58613998 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 58613998 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the estimated closing statement in the file. |  |  |
| 55933136 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 55933136 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 55933136 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | Final TIL not hand dated by the borrower. |  |  |
| 55933136 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at "xx" shows that the original note has been misplaced, destroyed or lost. A duplicate copy of the note is available in the loan file located at "xx." |  |  |
| 51477513 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE tested through disbursement statement. |  |  |
| 83907107 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the per diem interest amount test due to fees charged $717.44 exceed fees threshold of $284.51 over by +$432.93. |  |  |
| 83907107 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46562688 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final HUD-1 dated 2004 reflects cash to in the amount of $xx. |  |  |
| 46562688 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46562688 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. Total fees charged is $647.36 and allowed $260.40. It is over charged by +$386.96. |  |  |
| 15463281 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment penalty rider is missing from the loan documents. |  |  |
| 15463281 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $661.80 exceeds the per diem interest charge or credit threshold $207.90. |  |  |
| 15463281 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 70148978 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan failed the per diem interest amount test. |  |  |
| 70148978 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is missing from the loan file and CE was tested through TIL itemization available in file #xx. |  |  |
| 81197033 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 81197033 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL signed by the borrower is missing from loan documents. |  |  |
| 81197033 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan documents. |  |  |
| 81197033 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 2 months prior to note date. |  |  |
| 81197033 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 50075613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 60 days prior to note date. |  |  |
| 50075613 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 50075613 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. |  |  |
| 55272471 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 55272471 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | Note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 64979710 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report is more than 120 days old at closing. Appraisal update or 1004D is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 64979710 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 64979710 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64979710 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 64979710 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | 561 | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 3: Curable | \* Not all borrowers signed HUD (Lvl 3) | Final HUD-1 is not signed by the borrower. |  |  |
| 48277821 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report doc is missing from loan file. |  |  |
| 48277821 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 48277821 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 48277821 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 48277821 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan document. |  |  |
| 36952259 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36952259 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report doc is missing from loan file. |  |  |
| 36952259 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from loan file. |  |  |
| 36952259 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 38568292 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan documents. |  |  |
| 38568292 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $4,163.36 exceeds the per diem interest charge or credit threshold $1,097.13. |  |  |
| 38568292 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 38568292 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment is missing from the loan documents. |  |  |
| 38568292 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated closing statement in the file. |  |  |
| 29197304 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is not signed by the borrower. |  |  |
| 40413439 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is not consistent with note and/or HUD |  |  |
| 40413439 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE signed by borrower is missing from the loan documents. |  |  |
| 40413439 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The loan is failing for Per Diem Interest Amount Test. |  |  |
| 40413439 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is missing from the loan documents. Values are updated from borrower estimated closing statement. |  |  |
| 1992661 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 65626041 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 65626041 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is xx/xx/2007, and the note date is xx/xx/2007, which is not consistent. |  |  |
| 36009802 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 36009802 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | The final TIL is not hand-dated by the borrower. |  |  |
| 36009802 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | 561 | xx | xx | Pre-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 96766221 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $296.80 exceeds the per diem interest charge or credit threshold $-74.20 over by $371. |  |  |
| 96766221 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the fee itemization in the file. |  |  |
| 81847888 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from loan file. |  |  |
| 81847888 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Operative index value is unable to confirm (Lvl 2) | Operative index doc is missing from loan file. |  |  |
| 81847888 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 along with preliminary HUD-1 is missing from the loan file. |  |  |
| 40498228 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 40498228 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents. |  |  |
| 40498228 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxk. Current UPB $xxk. |  |  |
| 40498228 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 79284646 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan documents. |  |  |
| 79284646 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan ($898.43) exceeds the per diem interest charge or credit threshold ($140.27). |  |  |
| 79284646 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79284646 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the estimated HUD-1 in the file. |  |  |
| 78056120 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $1,544.18 exceeds the per diem interest charge or credit threshold $333.90. |  |  |
| 78056120 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from loan documents. |  |  |
| 78056120 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated closing cost in the file. |  |  |
| 88719164 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan ($2,635.50) exceeds the per diem interest charge or credit threshold ($792.25). |  |  |
| 88719164 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment penalty rider is missing from loan documents. |  |  |
| 88719164 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 88719164 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the estimated borrower's closing statement in the file. |  |  |
| 11648485 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. Total fees charged is $435.48 and allowed $90.30, it is over charged by+$345.18. |  |  |
| 11648485 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 11648485 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 closing statement signed by borrower is missing from the loan documents. Fees are updated from buyers/borrowers closing statement. |  |  |
| 2611385 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 2611385 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* TIL not hand dated (Lvl 2) | TIL not hand dated by the borrower. |  |  |
| 2611385 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 2611385 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86995905 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer doc is missing from loan file. |  |  |
| 86995905 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 86995905 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost note affidavit is available in the file located at xx; the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. |  |  |
| 86995905 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | Nevada | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed to the land. As per the appraisal report dated xx/xx/2008 located at xx, the subject property is a single family. As per the seller's tape data and tax certificate attached with the updated title report dated xx/xx/2025, the subject property is a manufactured home. The affidavit of affixation document is not available in the loan file. The ALTA 7 endorsement is not attached to the final title policy. The VIN/serial number is not available in the legal description of the recorded mortgage. We are unable to determine whether the home is attached to the permanent foundation. |  |  |
| 16221614 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD is missing from the loan documents. CE was tested based on seller provided closing statement. |  |  |
| 16221614 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 16221614 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. |  |  |
| 93156703 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $2,371.52 exceeds the per diem interest charge or credit threshold $421.64 over by $371. |  |  |
| 93156703 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan file. |  |  |
| 93156703 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested using the borrower's estimated settlement statement in the file. |  |  |
| 4860077 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50823708 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50823708 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan of $5,378.62 exceeds the per diem interest charge or credit threshold of $1,074.41. |  |  |
| 50823708 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan document. |  |  |
| 82537398 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 is missing from the loan documents. Fees are updated from the disbursement statement. |  |  |
| 82537398 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Lost Note Affidavit (Lvl 3) | The lost-note affidavit dated xx/xx/2007 was found at location "xx," showing the original note was misplaced, lost, or destroyed. A copy of the note is also located in the same file. |  |  |
| 35931456 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date is xx/xx/2007 and the note date is xx/xx/2007 which is not consistent. |  |  |
| 35931456 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | Final TIL date is after the transaction date. |  |  |
| 35931456 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $603.88 exceeds the per diem interest charge or credit threshold $226.38. |  |  |
| 35931456 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date considered 2 months prior to note date. |  |  |
| 35931456 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1 is missing from the loan documents. CE was tested based on seller provided TIL fee itemization. |  |  |
| 13324486 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 13324486 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | The CE risk indicator is moderate as the loan is failing for Per Diem Interest Amount Test. Total fees charged is $0.00 and allowed -$99.66, it is over charged by +$99.66. |  |  |
| 13324486 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13324486 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1 signed by borrower is missing from the loan documents. CE was run using estimated closing statement. |  |  |
| 91983021 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77961525 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77961525 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test. The per diem interest amount charged on the loan of $1,504.05 exceeds the per diem interest charge or credit threshold of $-28.85. |  |  |
| 77961525 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan document. |  |  |
| 77961525 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD missing. CE was tested using the latest TIL itemization in the file. |  |  |
| 12272474 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12272474 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the per diem interest amount test due to fees charged $1,756.20 exceeds fees threshold of $452.33 over by +$1,303.87. |  |  |
| 12272474 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | File missing final HUD. CE was tested using the latest TIL itemization in file. |  |  |
| 60336295 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 60336295 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 79669121 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the per diem interest amount test due to the per diem interest amount charged on the loan $340.68 exceeds the per diem interest charge threshold $97.00. |  |  |
| 79669121 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80536612 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 4: Unacceptable | \* Note is missing or unexecuted (Lvl 4) | The original note is missing. The lost note affidavit is not available in the loan file. The loan was not modified. |  |  |
| 80536612 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB: $xxK. |  |  |
| 65277217 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 65277217 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 65277217 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 65277217 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 85709204 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 85709204 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Manufactured Housing (Lvl 4) | Home is not affixed. The final appraisal report is missing, and as per the tape, the subject property type is manufactured home. The Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached to the final title policy, and the VIN# is not available in the legal description of the recorded mortgage. |  |  |
| 86848781 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan document. |  |  |
| 86848781 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan document. |  |  |
| 86848781 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. Rate lock date is considered 2 months prior to note date. |  |  |
| 86848781 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents |  |  |
| 55716605 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents |  |  |
| 55716605 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55716605 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 55716605 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 83544557 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83544557 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 83544557 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. |  |  |
| 83544557 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 83544557 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-1, along with estimated HUD-1 and fee itemization, is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Loan program disclosure missing or unexecuted (Lvl 2) | ARM program disclosure is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Mortgage - Missing required ARM Rider (Lvl 2) | The ARM rider is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and estimated HUD-1, is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | 30f5ee14-9cca-47bb-8ed2-40f698aea049 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Credit | Active | 4: Unacceptable | \* Type of Ownership is Leasehold Or Cooperative (Lvl 4) | As per the final title policy located at xx, the property is leasehold. The subject loan originated on xx/xx/1998 with a maturity date of xx/xx/2028. The lease expiration date is not available in the lease agreement, which is located at xx. Policy shows the subject lease period is 99 years. As per PT, there is no cancellation of the leasehold agreement. |  |  |
| 99807243 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99807243 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxk. Current UPB: $xxk. |  |  |
| 99807243 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 64094256 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64094256 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Balloon Rider Missing (Lvl 2) | Balloon rider is missing from the loan documents. |  |  |
| 64094256 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 64094256 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. xx search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| 64094256 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fee and estimated HUD-1, is missing from the loan documents. |  |  |
| 38062979 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows early payment default. Further details are not provided. PH is missing from the loan file. As per seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The current UPB reflected as per tape is $xx. |  |  |
| 96679915 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the realtor of the subject loan is on Freddie Mac's exclusionary list. Further details not provided. Subject closed 8/xx/24. Value is supported at $xxK. UPB $xxK. |  |  |
| 32020006 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The tape shows BWR income miscalculation, and the revised DTI is xx%. BWR has over 3 million in assets. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR employment details are not available. BWR qualified using assets, FICO 805, and $1M equity in the subject. |  |  |
| 32020006 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 32020006 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report at the time of closing is missing from the loan file. Post close AUS is available at Pg#xx. |  |  |
| 32020006 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by borrower is missing from the loan documents. |  |  |
| 32020006 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32020006 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | The revised loan estimate delivery date is less than seven business days from the consummation date. The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. |  |  |
| 74630224 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject 2nd home property gross living area is 408 sqft, which is below the GSE minimum of 500. Further details not provided. xx shows estimated value at $xxK. UPB $xxK. |  |  |
| 74630224 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan file. |  |  |
| 74630224 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 74630224 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan file. |  |  |
| 74630224 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| 74630224 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.827% exceeds APR threshold of 9.820% over by +0.007%. The subject loan is not escrowed. |  |  |
| 65826055 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 65826055 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 6.112% exceeds APR threshold of 5.730% over by +0.382%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 65826055 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 03/xx/2022 does not reflect points - loan discount fee. Final CD dated 04/xx/2022 reflects points - loan discount fee at $2,199.49. This is an increase in fee of $2,199.49 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 3/xx/2022 reflects the sum of section C fees and recording fee at $250.00. Final CD dated 4/xx/2022 reflects the sum of section C and recording fee at $292.00. This is a cumulative increase of $17.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired. |  |  |
| 65826055 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $8,600.12 exceeds fees threshold of $6,665.12 over by $1,934.60. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $6,400.63<br> Points - Loan Discount Fee paid by Borrower: $2,199.49. |  |  |
| 65826055 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $8,600.12 exceeds fees threshold of $6,665.52 over by $1,934.60. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $6,400.63<br> Points - Loan Discount Fee paid by Borrower: $2,199.49. |  |  |
| 53421014 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the CA AB 260 higher-priced mortgage loan test (CA AB 260, California Financial Code Division 1.9 4995(a)) due to an APR calculated at 5.271% exceeds APR threshold of 5.260% over by +0.011%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.271% exceeds APR threshold of 5.260% over by +0.011%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 53421014 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $28,016.48 exceeds fees threshold of $21,405.64 over by +$6,610.84. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $7,865.48<br> Points - Loan Discount Fee paid by Borrower: $18,656.00<br> Underwriting Fee paid by Borrower: $1,495.00.<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $28,016.48 exceeds fees threshold of $21,405.64 over by +$6,610.84. <br> The following fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $7,865.48<br> Points - Loan Discount Fee paid by Borrower: $18,656.00<br> Underwriting Fee paid by Borrower: $1,495.00. |  |  |
| 53421014 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86980186 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Date after actual transaction date (Lvl 2) | Final TIL dated after note date. |  |  |
| 86980186 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. <br>Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower;<br> Commitment Fee paid by Borrower: $550.00<br> 4th Quarter Taxes paid by Borrower: $1,822.00 |  |  |
| 86980186 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Prepayment Rider Missing (Lvl 2) | Prepayment rider is missing from the loan documents. |  |  |
| 12769266 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 12769266 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows CD reflect change in APR and was not received by the borrower at least 3 business days prior to the consummation date. Infinity compliance shows loan failed revised closing disclosure delivery waiting period test due to APR becomes inaccurate. Further details not provided. |  |  |
| 12769266 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2024 reflects Lock Extension Fee at $3,600.00. Final closing disclosure dated 11/xx/2024 reflects Lock Extension Fee at $4,000.00. This is an increase in fee of +$400.00 for charges that cannot increase. A valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 12769266 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects as-is conditions, and the improvement section shows barn and office doors, a dishwasher, a refrigerator, and a dryer need to be installed. Estimated cost to cure is not available in the loan file. The 1004D/Completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 12769266 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 8417001 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from loan documents. |  |  |
| 8417001 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to initial CD is missing from the loan documents. |  |  |
| 8417001 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows, no proof in the file which shows that the BWR received revised LE 4 days prior to the consummation date. BWR paid a down payment of 65% of the sales price of the subject property. Initial CD is missing from the loan file. Final CD shows, BWR paid a down payment of $xxK. Further details not provided. |  |  |
| 8417001 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 8417001 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 8417001 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from loan documents. |  |  |
| 61258371 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 61258371 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation. Review shows both BWRs have had multiple employments over the last couple of years. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 6 months on the job as a xx; BWR2 has 1.75 years on the job as an xx with xx, FICO 734, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 61258371 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/2023 reflects cash in the amount of $xx. |  |  |
| 61258371 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 8.831% exceeds APR threshold of 8.260% over by +0.571%. Subject loan is escrowed. |  |  |
| 61258371 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.849% exceeds APR threshold of 8.260% over by +0.589%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the OK HOEPA higher-priced mortgage loan test due to an APR calculated at 8.849% exceeds APR threshold of 8.260% over by +0.589%. The subject loan is escrowed. |  |  |
| 66526375 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.949% exceeds APR threshold of 7.600% over by +0.349%.The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 7.949% exceeds APR threshold of 7.600% Over By +0.349%. Subject loan is escrowed. |  |  |
| 66526375 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at "xx" state that the manufactured home with Serial #xx has been affixed to the permanent foundation. |  |  |
| 66526375 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The revised loan estimate delivery date is on the initial closing disclosure delivery date. |  |  |
| 66526375 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows subject property is built on a 6-acre lot. Deed and mortgage show 4 acres. Appraisal report is as is, and the lot size is 4.18 acres. No value was given to the subject's storage building as it is considered portable, and the subject requires leveling and a bathroom exhaust fan. The estimated cost to cure these items is $3,000. 1004D is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 66526375 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated 9/xx/2024 delivered on 9/xx/2024 which is more than 3 business days from initial application date xx/xx/2024.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 66526375 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66526375 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. <br>This loan failed the TRID disclosure delivery date validation test. |  |  |
| 66526375 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | The subject property type is a manufactured home. As per UT dated 1/xx/2025, the warranty deed with the vendor's lien (Ln#xx) dated on xx2024 is subject to covenants, restrictions, and conditions. |  |  |
| 63475383 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63475383 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | Loan program disclosure is missing from the loan documents. |  |  |
| 63475383 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at 36%. Tape shows increased DTI of xx%. Review shows xx% as lender included BWR1 income 2X. BWR also had 1X30 on prior residence within last 12 months. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 13.75 years at xx; BWR2 has 7 months on the job (employed by a xx) as an office administrator at xx, FICO 718, $xxK equity in the subject, and $xxK residual income. |  |  |
| 94232383 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94232383 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 2/xx/2023 reflects document preparation fee at $125.00. Final CD dated 3/xx/2023 reflects document preparation fee at $325.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2023 and the 1-year SOL is expired. |  |  |
| 94232383 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Valid hazard insurance policy is missing from the loan documents. |  |  |
| 94232383 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is home-style renovation loan is aged more than 15 months from closing and as a result is ineligible for delivery. Further details not provided. |  |  |
| 94232383 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 86986377 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows the original appraisal was expired, and the updated 1004D was issued after 2 days of closing. Appraised value at $xxK. UPB $xxK. |  |  |
| 5528347 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan is unsalable due to LP not being pulled prior to the note date. Further details not provided. |  |  |
| 5528347 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan file. |  |  |
| 41762566 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.435% exceeds APR threshold of 7.930% over by +1.505%. Subject loan is escrowed. |  |  |
| 41762566 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41762566 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to an APR calculated 9.435% exceeds APR threshold of 8.680% over by +0.755%.<br> Loan failed qualified mortgage APR threshold test due to an APR calculated 9.435% exceeds APR threshold of 8.680% over by +0.755%. |  |  |
| 41762566 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed APR APOR spread threshold test. Infinity compliance result shows the loan failed the QM APR threshold test. |  |  |
| 29055654 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | DSCR is less than 1.00%. Net operative income is $xx, and annual payments (debt service) are $xx. DSCR ratio is xx%. |  |  |
| 29055654 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed at xx% LTV exceeds the xx% LTV threshold allowed. Further details not provided. |  |  |
| 90161986 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document attached to the mortgage, which is located at xx, shows the home is affixed permanently to the land with VIN/serial no. # xx. The manufacture rider is attached with the recorded mortgage (Ln#xx). |  |  |
| 90161986 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS/DU report is missing from the loan documents. |  |  |
| 90161986 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows AUS is ineligible due to the subject property being changed to a manufactured home, and the AUS eligible findings were lost. Further details not provided. |  |  |
| 90161986 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56044176 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood insurance certificate is missing from the loan documents. |  |  |
| 56044176 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 56044176 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56044176 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from loan documents.<br>Home loan toolkit is missing from the loan documents. |  |  |
| 56044176 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 56044176 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 56044176 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. CE was tested based on revised CD dated 04/xx/2024. |  |  |
| 56044176 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2024 does not reflect Points - Loan Discount Fee. Revised CD dated 4/xx/2024 reflects Points - Loan Discount Fee at $967.46. This is an increase fee in the amount of +$967.46 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 78342367 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated 7/xx/2024. Initial LE dated 6/xx/2024 reflects lender credit at $3,868.00. Final CD dated reflects lender credit at $0.00. This is a decrease of $3,868.00 for a fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |  |  |
| 78342367 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. |  |  |
| 78342367 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows FEMA did not establish a flood zone for the subject property, and the flood certificate is missing from the loan documents. Further details not provided. |  |  |
| 78342367 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 78342367 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. |  |  |
| 77247839 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77247839 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows first-time homebuyer education certificate is missing from the loan file. Further details not provided. |  |  |
| 64244109 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 64244109 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. <br> The following fee was included in the test:<br> Administration Fee paid by Borrower: $1,085.00. |  |  |
| 64244109 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows collateral issue. Further details not provided. |  |  |
| 17238387 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is ($xx), and annual payments (debt service) are $xx, and the debt service cover ratio (DSCR) is 0.89, which is less than 1. |  |  |
| 17238387 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not meet minimum FICO score of 720, DSCR of 1, interest-only terms, and BWR is a first-time investor that is not allowed on DSCR loans. Further details not provided. |  |  |
| 35116085 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.759% exceeds APR threshold of 8.440% over by +0.319%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 35116085 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 35116085 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial CD dated 8/xx/2024 reflects Rate extension fee at $4,500.00. Final CD dated 9/xx/2024 reflects Rate extension fee at $8,000.00. This is an increase in fee of +$3,500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 6/xx/2024 reflects the sum of Section C fees and Recording fee at $2,968.00. CD dated 09/xx/2024 reflects the sum of Section C and Recording fee at $3,433.00. This is a cumulative increase of +$168.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 35116085 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed as cash-out refinance at xx% LTV exceeds the xx% LTV threshold allowed for rural property. Further details not provided. |  |  |
| 35116085 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 35116085 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails compliance delivery and timing test for revised CD dated 09/xx/2024. Document tracker is missing, and 3 business days were added to get the receipt date of 09/xx/2024, which is after the consummation date of xx/xx/2024. |  |  |
| 14838865 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from the loan documents. |  |  |
| 14838865 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $505,407.57. Calculated finance charge is $505,764.57 for an under disclosed amount of -$253.92. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx/xx/2024 and the SOL is 1 year.<br>The loan failed TRID total of payments test. Total of payment disclosed on final CD as $896,275.90. Calculated total of payments is $896,632.90for an under disclosed amount of -$103.92. The disclosed total of payments of $896,275.90 is not considered accurate because it is understated by more than $100. |  |  |
| 14838865 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows MI was not disclosed correctly. Further details not provided. |  |  |
| 91978989 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 91978989 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #1 with a sales price of $xxK, is closest to the subject property. Comps could not be located within .5 miles of the subject due to lot size, and the comps required gross adjustments ranging from xx% to xx%, mostly due to land size but also condition and GLA. xx search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| 68740802 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2, with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 68740802 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 12/xx/2023 reflects cash to in the amount of $250.00. |  |  |
| 68740802 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 11/xx/2023 reflects Credit Report Fee at $100.00. Final CD dated 12/xx/2023 reflects Credit Report Fee at $137.00. This is an increase fee in the amount of +$37.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL has expired. |  |  |
| 68740802 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case, originated on xx/xx/2023, and the 1-year SOL has expired. |  |  |
| 41317831 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final CD as $58,469.80. Calculated finance charge is $58,594.80 for an under disclosed amount of -$125.00. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 41317831 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41317831 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated 11/xx/2023 and delivered on 12/xx/2023 which is on the consummation date 12/xx/2023. |  |  |
| 41317831 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report shows as-is conditions. Tape and appraisal show subject is in poor to fair C5 condition in need of interior and exterior repairs. Estimated cost to cure is not available in the loan file. Updated 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 12439527 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 12439527 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. Post-closure DU is available at xx 1REM and 2REM Loan Package pg#xx. |  |  |
| 12439527 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 12439527 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the subject closed with a DPA loan of $xxK, and the state agency would not purchase the loan. Further details not provided. |  |  |
| 18176606 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 18176606 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18176606 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated business disclosure is missing from the loan documents. |  |  |
| 18176606 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS/DU submitted at closing is missing from the loan documents. Subject loan closed on xx/xx/2024 and post-closing AUS dated xx/xx/2024 is available in the file. |  |  |
| 18176606 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the lender did not approve the condo project as the special assessments had been planned, and the HOA obtained loans to finance improvement or deferred maintenance in the amount of $xxK. Further details not provided. Elevated for client review. |  |  |
| 49950977 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 49950977 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $2,103.38 and the loan was underwritten by LP Locator xx Credit Pkg PG#xx and its recommendation is Accept with a DTI of xx%. |  |  |
| 49950977 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 49950977 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 05/xx/2021 does not reflect Points - Loan Discount Fee. Final CD dated 07/xx/2021 reflects Points - Loan Discount Fee at $890.00. This is an increase in fee of +$890.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated 05/xx/2021.Initial CD dated 05/xx/2022 reflects lender credit at $712.00. Final CD dated 07/xx/2021 reflects lender credit at $0. This is decrease of +$712.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Loan failed charges that cannot increase 10% tolerance test. Initial LE dated 05/xx/2021 reflects Recording Fee at $60.00. Final CD dated 07/xx/2021 reflects Recording Fee at $90.00. This is an increase in fee of +$24.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase case, originated on xx/xx/2021, and the 1-year SOL has expired.<br>. |  |  |
| 49950977 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR receives SSI and retirement income, FICO 786, and $xxK equity in the subject. |  |  |
| 49950977 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | xx search indicates that the subject OO property was listed for rent on xx/xx/2024. |  |  |
| 92831228 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 92831228 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 66474359 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.177% exceeds APR threshold of 9.880% over by +1.297%. The subject loan is not escrowed. <br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.177% exceeds APR threshold of 9.880% over by +1.297% The subject loan is not escrowed. |  |  |
| 66474359 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date 10/xx/2024 is more than 60 calendar days after the consummation date 6/xx/2024. |  |  |
| 66474359 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows subject originated as a second lien non-QM loan without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows the subject valued at $xx. Current UPB is $xx. |  |  |
| 66474359 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66474359 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that are in total cannot increase more than 10% tolerance test. LE dated 06/xx/2024 reflects the sum of Section C fees and Recording fee at $1,159.00. CD dated 10/xx/2024 reflects the sum of Section C and Recording fee at $1,113.20. This is a cumulative increase of +$45.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 66474359 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 8743933 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx and total expenses are in the amount of $950.75 and the loan was underwritten by LP (Locator#xx) and its recommendation is "Accept" with a DTI of xx%. |  |  |
| 8743933 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 8743933 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents |  |  |
| 8743933 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $4,346.00 Exceeds Fees threshold of $3,863.92 Over by +$482.08. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,346.00 |  |  |
| 8743933 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $4,346.00 Exceeds Fees threshold of $3,863.92 Over by +$482.08. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,346.00 |  |  |
| 8743933 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows BWR2 income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR2 has 2 months on the job as a xx. BWR2 has prior employment experience as a xx between 09/xx/2015 and 03/xx/2022 for 6.5 years. FICO 686, $xx equity in the subject, and $369 residual income. |  |  |
| 99378471 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal was more than 120 days old at closing and expired at closing. The appraisal update is available in loan documents. xx search show an estimated value of $xxK. Current UPB is $xxK. Further details not provided. |  |  |
| 99378471 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is an uninsured government loan, and case number is canceled. Further details not provided. |  |  |
| 99378471 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 99378471 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 99378471 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Compliance Ease delivery and timing test for initial closing disclosure dated 1/xx/2020. Document tracker is missing and 3 business days were added to get receipt date 1/xx/2020 which is less than 3 business days from the consummation date 1/xx/2020. |  |  |
| 99378471 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for lender originator total net income test.<br> Below fees were included in the test:<br> Mortgage Insurance Premium paid by Borrower: $0.25<br> Mortgage Insurance Premium $1,286.00<br> Points - Loan Discount Fee paid by Borrower: $919.12<br> Underwriting Fee paid by Borrower: $1,100.00 |  |  |
| 1787194 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 1787194 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 08/xx/2024 does not reflect Points - Loan Discount Fee. Final CD dated 09/xx/2024 reflects Points - Loan Discount Fee at $76.23.<br> Loan estimate dated 08/xx/2024 does not reflect Verification Fee. Final CD dated 09/xx/2024 reflects Verification Fee at $139.00.<br> This is a cumulative increase in fee of $215.23 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in lender credit on final CD dated 8/xx/2024. Revised CD dated 09/xx/2024 reflects lender credit at $677.53, Final CD dated 09/xx/2024 reflects lender credit at $0.00. This is decrease of $677.53 for fee which has 0% tolerance test. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 1787194 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 1787194 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. The subject loan is a purchase case that originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 1787194 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan approved under FHA $100 down program is uninsurable as the subject is not a HUD owned property. Further details not provided. |  |  |
| 1787194 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 1787194 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 20834606 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. |  |  |
| 20834606 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows an FHA uninsurable loan, and the underwriter did not update the appraised value and used the prior value for qualifying the loan in less than 12 months. Further details not provided. |  |  |
| 20834606 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 20834606 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. |  |  |
| 6405013 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows subject is NOO as BWR listed property for rent after purchase. Elevated for client review. |  |  |
| 6405013 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as the BWR rented the property after closing causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 13 years on the job as a xx. BWR2 receives social security income, FICO 712 and $xxK equity in the subject. |  |  |
| 6405013 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search reflects an estimated value of $xx. The current UPB is $xx. |  |  |
| 6405013 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96640536 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.202% exceeds APR threshold of 7.900% over by +0.302%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.198% exceeds APR threshold of 7.900% over by +0.298%. Subject loan is escrowed. |  |  |
| 96640536 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The subject loan is FHA uninsured, and the tape shows APR increased by more than 0.125% and no new waiting period established. Infinity CE result shows the loan failed higher price and safe harbor test. Further details not provided. |  |  |
| 96640536 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $21,060.28 exceeds fees threshold of $16,606.24 over by +$4,454.04. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $14,087.50<br> Points - Loan Discount Fee paid by Borrower: $6,972.78<br>Loan fails Qualified mortgage lending policy points and fees test due to fees charged $21,060.28 exceeds fees threshold of $16,606.24 over by +$4,454.04. <br> The below fees were included in the test:<br> Mortgage Broker Fee (Indirect) $14,087.50<br> Points - Loan Discount Fee paid by Borrower: $6,972.78 |  |  |
| 96640536 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 83452832 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows property has health and safety issues. Appraisal and seller disclosure show subject was affected by an earthquake that caused cracks in the foundation. Foundation piers were previously repaired. Mold was found in the property based on mold inspection in file. No 1004D in file. CCs do not show damage. Elevated for client review. |  |  |
| 65698327 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | West Virginia | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal show multiple interior and exterior repairs, including but not limited to significant exterior wood rot, an electric panel missing its cover with exposed wiring, a subject foundation that was missing mortar in multiple sections, and dampness in the basement due to the intrusion of rainwater. The estimated cost to cure is $5,250. Updated 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. xx search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 89772846 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. |  |  |
| 89772846 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Application Missing (Lvl 3) | Final application is missing from the loan documents. |  |  |
| 89772846 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 89772846 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. Settlement services provider list is missing from loan documents. |  |  |
| 89772846 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. |  |  |
| 89772846 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. |  |  |
| 89772846 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 89772846 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows the lender did not include the monthly payment of the auto loan debt in the DTI calculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has been SE for 9.58 years at xx. BWR2 has 5.58 years on the job as a xx, FICO 738, 2X30 since inception, $xxK equity in the subject, and $4,663 residual income. |  |  |
| 401565 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 7.989% exceeds APR threshold of 7.882% over by +0.107%. Subject loan is escrowed. |  |  |
| 401565 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 401565 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet the FHA flipping requirements. At the time of the sales contract, the seller was vested in the title for less than 90 days. Further details not provided. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/2024, and the price of the prior sale or transfer was $xx. The current sale price is $xx. Appraisal shows a complete remodel both inside and out. The exterior/interior were painted, new windows installed, new flooring, kitchen/bathrooms remodeled, new appliances, designer fixtures and LED lighting. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 401565 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 51330448 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | 0.06475 | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 51330448 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | 0.06475 | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows subject loan was repurchased due to parcel issues as there are 3 parcels and two dwelling units; 2 parcels are taxed with a dwelling on each of the 2 parcels. Review of the appraisal report confirms 3 parcels and 2 dwelling units. Further details not provided. xx search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 51330448 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | 0.06475 | QC Complete | Illinois | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial application dated xx/xx/2023 signed by originator is missing from loan documents. |  |  |
| 5063961 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM_TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 5063961 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM_TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the last payment was received for the due date of 12/xx/2024 on 12/xx/2024 that was reversed on 12/xx/2024 due to insufficient funds. PH also reflects the same. As per PH as of xx/xx/2024, the borrower is 1 month delinquent, and the next due date is xx/xx/2024. |  |  |
| 5063961 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM_TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 06/xx/2023 does not reflect Funding, Wire, or Disbursement Fee, Lock extension, Processing Fee, Underwriting Fee and Tax Service Fee. Final, CD dated 8/xx/2023 reflects Funding, Wire, or Disbursement Fee, Lock extension, Processing Fee, Underwriting Fee and Tax Service Fee at 2,005.25<br> Loan estimate dated 06/xx/2023 reflects Loan Origination Fee at $1,295.00. Final, CD dated 8/xx/2023 reflects Loan Origination Fee at $1,485.00. This is a cumulative increase in fee of $2,195.25 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 5063961 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM_TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5063961 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM_TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at 36%. The tape shows undisclosed debt. The revised DTI is 53%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2023, and the 3-year SOL is active. BWR has 25.25 years on the job as an xx, FICO 691, $9K equity in the subject, and $xx residual income. |  |  |
| 15491810 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM_TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at DTI xx%. Tape shows an undisclosed debt with a monthly payment of $xx. The revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives pension income, FICO 641, $xx equity in the subject, and $555 residual income. |  |  |
| 15491810 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM_TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the interest rate test due to interest rate calculated 6.875% exceeds interest rate threshold of 6.750% over by +0.125%. |  |  |
| 15491810 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM_TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance failing for state regulations. PA license validation test. In the state of PA, the lender is licensed under state ID #xx as per the NMLS website. |  |  |
| 15491810 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM_TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 18898780 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.861% exceeds APR threshold of 8.580% over by +1.281%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 18898780 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | The tape shows asset reserves are less than 6 months for the subject loan closed at LTV of 90%. The bank statement in the file shows $xx, and the cash-to-close requirement is $xxK. BWR has $xxK net after closing. Reserves requirement estimated to be $xxK. BWR has 716 FICO, approved at xx%. Further details not provided. |  |  |
| 18898780 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 69616575 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 3/xx/2021 does not reflect Points - Loan Discount Fee. CD dated 3/xx/2021 reflects Points - Loan Discount Fee at $5,365.60.<br> Loan estimate dated 3/xx/2021 does not reflect Appraisal Review Fee. CD dated 3/xx/2021 reflects Appraisal Review Fee at $175.00.<br> This is a cumulative increase in fee of $5,540.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired. |  |  |
| 69616575 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx and total expenses are in the amount of $8,046.62. AUS report is missing from the loan documents. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. |  |  |
| 69616575 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows supporting documents for BWR2 REO property and mortgage payment to determine DTI accurately are missing from the loan documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL is expired. BWR1 has 2.41 years on the job as an IT specialist with the xx. BWR2 has 6 months on the job as a computer tech I with the xx. BWR3 has 10 years on the job as a xx, FICO 655, and $xxK equity in the subject. |  |  |
| 69616575 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* LE/CD Issue date test Fail (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 69616575 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 69616575 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | AUS | Active | 2: Acceptable with Warnings | \* Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS/DU report at the timing of closing is missing from loan documents. |  |  |
| 69616575 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.589% exceeds APR threshold of 4.570% over by +0.019%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.589% Exceeds APR threshold of 4.570% Over By +0.019%. Subject loan is escrowed. |  |  |
| 69616575 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44303846 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.877% exceeds APR threshold of 8.420% over by +1.457%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 44303846 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller tape issue, the borrower is to reinstate xx/xx. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. |  |  |
| 44303846 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the interest rate test due to rate calculated 9.375% exceeds rate threshold of 6.750% over by +2.625%. |  |  |
| 44303846 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance is failing for state regulations PA license validation test. |  |  |
| 44303846 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94901205 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94901205 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $109,711.12. Calculated finance charge is $110,028.12 for an under disclosed amount of -$317.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/2023 and the 1 year SOL is active. |  |  |
| 94901205 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx%. Tape shows BWR's FICO dropped after removing 2 accounts that the BWR wasn't responsible for. The credit report shows only two active tradelines, and one of them is an authorized user account, and the loan lost AUS approval. Further details are not provided. The subject loan originated on xx/xx/2023. BWR has 10 months on the job as a xx. BWR has prior employment experience as a xx between 1/xx/2021 and 9/xx/2021 for 9 months, FICO 794, and $5K equity in the subject. |  |  |
| 60385804 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 60385804 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows SE income misrepresentation as two years of BWR's SE history could not be verified by the tax preparer. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has been SE for 6 years and 5 months at xx, FICO 560, and $37K equity in the subject. |  |  |
| 60385804 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 5/xx/2022 reflects Points - Loan Discount Fee at $1,445.00. CD dated 5/xx/2022 reflects Points - Loan Discount Fee at $2,406.83. This is an increase in fee of $961.83 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year. |  |  |
| 60385804 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 60385804 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 60385804 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows recent delinquency and the borrower became current by making 2 payments beginning of December 2024. Further details were not provided. According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,845.19 which was applied to the due date of xx/xx/2024. |  |  |
| 13949657 | xx | xx | xx | 199ed034-40ba-4073-9bb5-17d9a97bf057 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | Tape shows subject has one address and is zoned agricultural with 2 ADUs. Subject is a SF on 12 acres with a MH ADU and a work shop that is not habitable. Both of the additional buildings are rented out. Parcel number is for 2 lots containing the 3 buildings (with 3 separate addresses) and the acreage. |  |  |
| 13949657 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 13949657 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Tape shows subject is a second home. File shows subject is OO with 2 additional buildings. BWR purchased the property in 2022 and built a 4300 SF home. |  |  |
| 90674752 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to the initial CD missing from loan documents. The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 90674752 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 90674752 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows EPD. The next due date is xx/xx/2025. Current UPB as of the date reflected in the provided payment history is $xx. |  |  |
| 90674752 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.262% exceeds APR threshold of 8.690% over by +0.572%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 90674752 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 5/xx/2024 reflects cash to in the amount of $930.85. |  |  |
| 52603335 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is EPD. The first payment was due on 10/xx/2024. According to payment history as of 1/xx/2025, the first payment due date is 10/xx/2024, and the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024. The current UPB is $xx. |  |  |
| 17234019 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR did not disclose working for family business. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR was qualified using a post-close offer letter as a xx. Previously, BWR has 1.25 years on the job as a xx, FICO 674, and $43K equity in the subject. |  |  |
| 17234019 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure signed page is missing from the loan documents. |  |  |
| 47516190 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 08/xx/2024 reflects cash to the borrower in the amount of $xx |  |  |
| 47516190 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at xx%. Tape shows subject loan was deemed ineligible for purchase as the lender did not satisfy DTI requirement within allotted time period. Further details not provided. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.33 years on the job as a xx, FICO 769, 0X30 since inception, and $27K equity in the subject. |  |  |
| 46292364 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.475% Exceeds APR threshold of 7.310% Over By +0.165%. |  |  |
| 46292364 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $23,999.59. Calculated finance charge is $24,224.34 for an under disclosed amount of -$224.75. Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 46292364 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB $xx. |  |  |
| 46292364 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 7.475% exceeding the APR threshold of 7.310% by +0.165%. The subject loan is not escrowed as hazard insurance reserves were not collected at closing. Also, the tape shows the loan did not have an escrow account, which is required for HPML loans. The subject loan originated on xx/xx/2024, and the 1-year affirmative defense period is open. |  |  |
| 32850478 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32850478 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 71084221 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 71084221 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is purchase case. Final CD dated 5/xx/2024 reflects cash to in the amount of $843.68. |  |  |
| 71084221 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 71084221 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. |  |  |
| 71084221 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is, and the photo addendum shows significant wood damage due to water intrusion; interior ceilings show signs of past water leakage, and the HVAC unit has some issues; the interior needs repainting, and some exterior wood needs repairs and painting. The screen needs to be replaced on the back porch, and the lamp posts and front porch columns need repair. The wood and pest inspection report by a licensed professional is missing from the loan documents. |  |  |
| 49950710 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided. |  |  |
| 49950710 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 49950710 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $129.00<br> Underwriting Fee paid by Borrower: $1,149.00<br> Verification Fee paid by Borrower: $50.00 |  |  |
| 41293709 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | 0.08625 | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 8.905% exceeds APR threshold of 8.320% over by +0.585%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). |  |  |
| 41293709 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | 0.08625 | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.905% exceeds APR threshold of 8.320% over by +0.585%. Subject loan is escrowed. |  |  |
| 41293709 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | 0.08625 | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41293709 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | 0.08625 | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The sellers tape data show EPD. According to payment history as of xx/xx/2025, the borrower is delinquent for 2 months, and the next due date isxx/xx/2024. The current UPB reflected as per the payment history is $xx. |  |  |
| 41045368 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 41045368 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows rental income used for qualification was not supported as the property was being renovated and not listed for rent. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives VA benefits and pension income, FICO 767, 0X30 since inception, and $xx equity in the subject. |  |  |
| 92536048 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject FHA approved at xx%. Review shows lender miscalculated both BWRs income and the revised DTI is 57%. Lender defect. Subject originated xx and the 3 year SOL will expire on 5/xx/25. BWR1 has 4 years on the job as a xx. FICO 756. |  |  |
| 92536048 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Subject originated as a second lien loan, and the tape shows the loan fails the HPML test, and a full appraisal is required. Infinity compliance result also fails HPML test. Subject loan is escrowed. Further details not provided. |  |  |
| 92536048 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 09/xx/2024 does not reflect AVM Fee. Final CD dated 10/xx/2024 reflects AVM Fee at $30.00. This is an increase in fee of +$30.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 92536048 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 92536048 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 92536048 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 92536048 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.938% exceeds APR threshold of 8.910% over by +0.028%. Subject loan is escrowed. |  |  |
| 36768939 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed as a 7/1 ARM, and a review of the note shows the document shows the subject is an ARM loan with the first change date after 7 years and subsequent rate changes after 1 year. Further details not provided. |  |  |
| 16858168 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/2024. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2024. Note date is xx/xx/2024. |  |  |
| 16858168 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 16858168 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows disputed account not updated as expected. The credit report shows a collection account with a remaining balance of $xx disputed by BWR. Further details are not provided. BWR has 4 months on the job as an xx, FICO 565, and $xx equity in the subject. |  |  |
| 49053963 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows SE and rental income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has been SE for 6 years at xx, FICO 764, 0X30 since inception, $93K equity in the subject, $xx residual income. |  |  |
| 49053963 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21195935 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.873% exceeds APR threshold of 8.830% over by +0.043%. Subject loan is escrowed.<br> Loan failed qualified mortgage safe harbor threshold test APR calculated 8.873% APR threshold 8.830% over By +0.043%. |  |  |
| 21195935 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan failed the TILA post-consummation revised closing disclosure foreclosure rescission finance charge test due to the finance charge disclosed on final CD as $47,917.37. Calculated finance charge is $48,017.37 for an under-disclosed amount of -$100.00. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 21195935 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. xx shows estimated value of $xxK. Current UPB $xxK. |  |  |
| 21195935 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 21195935 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Subject originated as a second lien loan and tape shows the loan fails the HPML test, and a full appraisal is required. Infinity compliance result also fails HPML test. Subject loan is escrowed. Further details not provided. |  |  |
| 77462988 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 02/xx/2023 does not reflect Points - Loan Discount Fee. Final CD dated 03/xx/2023 reflects Points - Loan Discount Fee at $1,073.00. This is an increase in fee of +$1,073.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on xx/xx/2023 and the 1 year SOL is expired. |  |  |
| 77462988 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 77462988 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Appraisal report is as is. Tape and appraisal report show termite activity on the stem wall inside of the subject's garage, and a termite certification by a licensed termite professional is required. The estimated cost to cure is not available in the loan file. 1004D/termite inspection report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 3477617 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as 7/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021. |  |  |
| 3477617 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.530% exceeds APR threshold of 4.570% over by +0.960%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.277% exceeds APR threshold of 4.570% over by +0.707%. Subject loan is escrowed. |  |  |
| 3477617 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $5,470.54 and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 3477617 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 3477617 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed APOR test. Infinity compliance result shows the loan failed the HPML and QM Safe Harbor threshold test. Further details not provided. |  |  |
| 83736094 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 11/xx/2023 reflects Points - Loan Discount Fee at $2,100.00. Final CD dated 12/xx/2023 reflects Points - Loan Discount Fee at $32,856.00. This is an increase fee in the amount of +$30,756.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2023, and the 3-year SOL is active. |  |  |
| 83736094 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83736094 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 83736094 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows EPD. According to payment history as of xx/xx/2025 the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. |  |  |
| 5455677 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 5455677 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 5455677 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. <br> The following fees were included in the test:<br> Broken Admin Fee paid by Borrower: $205.00<br> Fraud Report Fee paid by Borrower: $14.00<br> Lender's Title Insurance Policy paid by Borrower: $175.00<br> MERS paid by Borrower: $25.00<br> Redon Inspection paid by Borrower: $150.00<br> Tax Service Fee paid by Borrower: $52.00<br> Title Courier Fee paid by Borrower: $40.00<br> Title Examination Fee paid by Borrower: $250.00<br> Whole House Inspection paid by Borrower: $465.00. |  |  |
| 41251746 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $2,422.66 and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. |  |  |
| 41251746 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #3 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 41251746 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The home loan toolkit is missing from the loan documents. |  |  |
| 75986992 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for prohibited fees test. <br> The below fees were included in the test:<br>Closing Fee paid by Borrower: $600.00<br> Title - IA Title Guaranty Fee paid by Borrower: $175.00<br> Title Examination Fee paid by Borrower: $200.00 |  |  |
| 75986992 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured by the FHA as secondary finance provider on the loan is not HUD approved. FCD reflects two secondary finance loans of $xx and $2,500 used on the subject loan. Further details not provided. |  |  |
| 75986992 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase test. Initial LE dated 04/xx/2023 reflects pest inspection fee $135.00. Final CD dated 05/xx/2023 reflects pest inspection fee at $150.00. This is an increase of +$5.00 for charges that cannot increase. Subject loan is purchase case, originated on xx/xx/2023 and the 1-year SOL has expired. |  |  |
| 75986992 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 75986992 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD reflects cash to borrower in the amount of $xx. |  |  |
| 75986992 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 75986992 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. |  |  |
| 75986992 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 50594102 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at Loan File Package xx Page#2, the subject property is a manufactured home. The manufactured home rider located at Ln#xx and the affidavit of affixation document is available in loan files located at Loan File Package xx, state that the manufactured home with VIN/Serial # xx has been affixed to the permanent foundation. |  |  |
| 50594102 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.58 years on the job as a xx, FICO 713, 0X30 since inception, $4K equity in the subject, and $2,182 residual income. |  |  |
| 50594102 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.841% exceeds APR threshold of 8.430% over by +0.411%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 8.755% Exceeds APR threshold of 8.430% Over By +0.325%. Subject loan is escrowed. |  |  |
| 50594102 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated Business Disclosure is missing from the loan documents. |  |  |
| 50594102 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject is manufactured home. Tape and file show AUS was run with the incorrect property type as SFR detached. Further details not provided. |  |  |
| 50594102 | xx | xx | xx | 32e0d7b5-f4de-4b77-9574-04cce9803bb3 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Doc Issue | Active | 3: Curable | \* Loan has escrow holdback. No proof it was released (Lvl 3) | Final CD reflect escrow hold back in the amount of $719.00, No proof of release was found from the loan document. |  |  |
| 50594102 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50594102 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 50594102 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the prohibited fees test. <br> Below fees were included in the test:<br> Escrow Holdback- Impound Fee paid by Borrower: $719.00<br> Recording Service Fee paid by Borrower: $6.00<br> Title Examination Fee paid by Borrower: $225.00<br> Title Guaranty Fee paid by Borrower: $175.00 |  |  |
| 50594102 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged 8.755% exceeds fees threshold of 8.430% Over by +0.325%.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $800.00<br> Points - Loan Discount Fee paid by Borrower: $112.58 |  |  |
| 50594102 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS/DU submitted at closing is missing from the loan documents. Subject loan closed on 08/xx/2024 and post-closing AUS dated xx/xx/2024 is available in the file. Subject is a manufactured home and appraisal is completed on form 1004C March 2005. Post close AUS shows appraisal must be completed on form 1004 March 2005. |  |  |
| 31022063 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $265,274.95. Calculated finance charge is $265,582.61 for an under disclosed amount of -$307.66. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on 02/xx/2024 and the 1-year SOL is active.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx/xx/2024 and the 1-year SOL has expired. |  |  |
| 31022063 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation prohibited fees test. The following fees were included in the test:<br> Employment Verification paid by Borrower: $92.66<br> Regulatory and Compliance Fee paid by Borrower: $350.00<br> Title IA Guaranty Fee paid by Borrower: $175.00<br> Transfer Fee paid by Borrower: $550.00. |  |  |
| 31022063 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active. |  |  |
| 31022063 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows an issue with the continuation of the BWR salary. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.91 years on the job as a xx, FICO 763, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 46717272 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed prohibited fees test. <br> The below fees were included in the test:<br>Tax Related Service Fee paid by Borrower: $63.00<br> Extension Fee/Mornet Fee paid by Borrower: $171.00<br> Title Examination Fee paid by Borrower: $150.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $15.00<br> Title Guaranty paid by Borrower: $110.00<br> Recording Service Fee paid by Borrower: $3.00 |  |  |
| 46717272 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 46717272 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46717272 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan was repurchased from Fannie Mae on xx/xx/2013. Further details not provided. |  |  |
| 46717272 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from loan file. |  |  |
| 46717272 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test as final TIL is missing from the loan document. |  |  |
| 46717272 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Iowa | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 98358476 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. |  |  |
| 98358476 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 98358476 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 98358476 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsured by FHA. Further details not provided. |  |  |
| 98358476 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Iowa | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for prohibited test.<br> The below fees were included in the test:<br>Closing Fee paid by Borrower: $500.00<br> Title Examination Fee paid by Borrower: $200.00 |  |  |
| 77754664 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape show agency did not agree with the comps, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #1, with a sales price of $xx, is closest to the subject property. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 77754664 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the brokerage/finder fee test due to fees charged $5,026.55 exceed fees threshold of $2,736.00 over by +$2,290.55. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,881.00<br> Points - Loan Discount Fee paid by Borrower: $55.55<br> Points - Loan Discount Fee paid by Seller: $1,400.00<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $895.00. |  |  |
| 32329675 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows the investor did not validate the asset statements. Bank statements in the file show $xx in assets; cash to close required $xxK. Further details not provided. The subject loan originated on xx/xx/2022. BWR1 has 1.08 years on the job as a xx. BWR2 has 1.08 years on the job as a xx, FICO 741, 0X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 32329675 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $4,359.11 and the loan was underwritten by AUS/DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. |  |  |
| 32329675 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 10246667 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 10246667 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows housing payment of second home was miscalculated. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 5.75 years on the job as a xx. BWR2 receives social security income. BWR3 receives social security income, FICO 627, $xx equity in the subject, and residential income $xx. |  |  |
| 10246667 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $2,643.26 and the loan was underwritten by LP (Locator# xx) and its recommendation is accept with a DTI of xx%. |  |  |
| 10246667 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance is failing for state regulations PA license validation test. |  |  |
| 10246667 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the borrower has had some late payments in the past. The loan was modified in Jan-2024. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. |  |  |
| 74015349 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial 1003 signed by loan originator is missing from the loan files. |  |  |
| 74015349 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | LoanComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 74015349 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 74015349 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,295.00. Exceeds Fees threshold of $5,713.81 over by +$581.19. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $5,000.00 Underwriting Fee paid by Borrower: $1,295.00<br>Loan failed GSE (Fannie Mae public guidelines) QM APR Test due to APR calculated 13.829%, exceeds APR threshold of 9.540% over by +4.289%. |  |  |
| 74015349 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | AUS | Active | 3: Curable | \* Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS report is missing from the loan documents. |  |  |
| 74015349 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed TRID delivery and timing test. Infinity compliance result shows the loan passed the TRID delivery and timing test. Further details not provided. |  |  |
| 74015349 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to fees charged $6,295.00. Exceeds fees threshold of $5,713.81, over by +$581.19. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $5,000.00 Underwriting Fee paid by Borrower: $1,295.00<br>The loan failed the Qualified Mortgage APR Threshold Test due to an APR charged of 13.829%, with an APR threshold of 9.540% over by +4.289%.<br>Loan failed QM Safe Harbor threshold test due to APR calculated 13.829% Exceeds APR threshold of 8.790% Over By +5.039%. The subject loan is escrowed. |  |  |
| 74015349 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 11/xx/2023 reflects a recording fee of $476.00. CD dated 02/xx/2024 reflects Recording fee at $581.00. This is a cumulative increase of $57.40 for charges that in total cannot increase more than 10%. COC for an increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/2024, and the SOL is 3 years active. |  |  |
| 46837956 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46837956 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 46837956 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 3/xx/2019 does not reflect Points - Loan Discount Fee. Final CD dated 6/xx/2019 reflects Points - Loan Discount Fee at $2,835.94. Initial loan estimate dated 3/xx/2019 reflects Appraisal Fee at $1,200.00. Final CD dated 6/xx/2019 reflects Appraisal Fee at $1,875.00. This is a cumulative increase in fees of +$3,510.94 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2019, and the 3-year SOL is expired. |  |  |
| 46837956 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows AUS recommendation is ineligible and the lender was not initially able to modify due to loss of income due to COVID. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL is expired. BWR1 has 4.50 years on the job as a xx with the xx. BWR2 has 12.83 years on the job as a xx, FICO 624, and $xxK equity in the subject. |  |  |
| 46837956 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. 1004D shows construction of the property is completed. xx search shows an estimated value at $xx.. Current UPB is $xx. |  |  |
| 46837956 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 6.815% exceeding the APR threshold of 5.600% over by +1.215%. The subject loan is not escrowed. The subject loan originated on xx/xx/2019, and the 1-year affirmative defense period has expired. |  |  |
| 46837956 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $3,530.76. AUS report is missing from the loan documents. |  |  |
| 46837956 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape defect shows "loss of income due to COVID, and the loan was modified in December 2024." As per the modification agreement located at "xx," the loan was modified on xx/xx/2024. |  |  |
| 40451132 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Realtor search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 40451132 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 40451132 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 40451132 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved as OO at xx%. Tape shows property is NOO due to misrepresentation, causing the lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR has 1.58 years on the job as a xx, FICO 758, 1X30 since inception. $xx equity in subject. |  |  |
| 40451132 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 7/xx/2023 reflects Points - Loan Discount Fee at $3,111.00. Final CD dated 8/xx/2023 reflects Points - Loan Discount Fee at $3,460.80. This is an increase fee in the amount of +$349.80 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is Purchase case, originated on xx/xx/2023 and the 1 year SOL is expired. |  |  |
| 40451132 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15945009 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 15945009 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | Tape shows association indicates outstanding repairs that affect the safety and structural soundness are still not completed. A review of the condo association documents shows a special assessment of $1.4M has been approved for waterproofing, replacement of window glass, exterior wood materials and painting of exterior surfaces of the building. The engineer's certificate by a licensed professional verifying the completion of repairs and structural integrity of the condo project is missing from the loan documents. |  |  |
| 68515705 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows that the subject loan is unsaleable due to the condo project no longer being approved by the agencies. Further details not provided. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 54801534 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows asset misrepresentation. Bank statements in the file show $xxK, and post-close verification of the bank account shows that BWR had $21K in total assets that do not satisfy the cash-to-close requirement of $xxK. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3.50 years on the job as a xx, FICO 808, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 54801534 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46441850 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC (interested party contribution) exceeds the borrower's closing cost. The final CD reflects a seller credit of $13,747 exceeding closing costs of $11,131. Further details not provided. |  |  |
| 46441850 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing in loan file. |  |  |
| 46441850 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows water damage on 2nd floor siding and window trim. Estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 22097608 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.206% exceeds APR threshold of 7.540% over by +1.666%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.133% exceeds APR threshold of 7.540% over By +1.593%. Subject loan is escrowed.<br>Loan failed qualified mortgage APR threshold test due to APR calculated 9.133% exceeds APR threshold of 8.290% over by +0.843%. |  |  |
| 22097608 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 9.133% exceeds APR threshold of 8.290% over by +0.843%. |  |  |
| 22097608 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | Affiliated business disclosure is missing from loan documents. |  |  |
| 22097608 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows subject loans APR exceeds threshold. The infinity compliance result shows that the loan failed the HPML test and the subject loan is escrowed. Further details not provided. |  |  |
| 22097608 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 22097608 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41439294 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $14,949.00 exceed fees threshold of $12,496.06 over by +$2,452.94.<br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,100.00<br> Points - Loan Discount Fee paid by Borrower: $9,654.00<br> Underwriting Fee paid by Borrower: $1,195.00.<br>Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $14,949.00 exceed fees threshold of $12,496.06 over by +$2,452.94. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $4,100.00<br> Points - Loan Discount Fee paid by Borrower: $9,654.00<br> Underwriting Fee paid by Borrower: $1,195.00. |  |  |
| 41439294 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #1 with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 41439294 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 22022043 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.606% exceeds APR threshold of 7.820% over by +1.786%. This loan is compliant with regulation 1026.35(b), (c) and (d). Subject loan is escrowed.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.480% Exceeds APR threshold of 7.820% Over By +1.660%. Subject loan is escrowed. |  |  |
| 22022043 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Qualified Mortgage APR Threshold Test due to APR calculated 9.480% Exceeds APR threshold of 8.570% Over By +0.910%. Subject loan is escrowed. |  |  |
| 22022043 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22022043 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 9/xx/2024 does not reflect Mortgage Broker Fee. CD dated 09/xx/2024 reflects Mortgage Broker Fee at $4,371.05.<br> Loan estimate dated 9/xx/2024 does not reflect Homestyle Draw Inspection fee. CD dated 9/xx/2024 reflects Homestyle Draw Inspection fee at $2,050.00.<br> Loan estimate dated 9/xx/2024 does not reflect Verification fee. CD dated 9/xx/2024 reflects Verification fee at $75.00.<br> This is a cumulative increase in fee of $6,496.05 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Valid COC for the increase in fee is missing from the loan documents.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 9/xx/2024. Initial CD dated 9/xx/2024 reflects Lender Credit at $1,031.31, Final CD dated 9/xx/2024 reflects Lender at $0.00 This is decrease of $1,031.31 for fee which has 0% tolerance test. |  |  |
| 22022043 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 22022043 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Prohibited Fees First Lien test.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $165.13 |  |  |
| 22022043 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Freddie Mac public guidelines) QM APR Test due to APR calculated 9.480% Exceeds APR threshold of 8.570% Over By +0.910%. |  |  |
| 22022043 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 22022043 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial Escrow Account disclosure signed by borrower is missing from loan documents. |  |  |
| 22022043 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows TRID violation. Infinity compliance result shows the loan fail TRID tolerance test. Further details not provided. |  |  |
| 22022043 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to the completion of the $xx repairs. The estimated cost to complete the repairs is $93,696. The final 1004D report is missing from the loan documents. The final CD reflects the escrow holdback in the amount of $127,143.70. |  |  |
| 22022043 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated 9/xx/2024 reflects escrow holdback in the amount of $127,143.70. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 40789713 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40789713 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | ROR is missing from the loan documents. |  |  |
| 40789713 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 40789713 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is refinanced within 12 months and is not insurable as the UW used an increased appraised value of $xx instead of using the prior sales price of $xx, creating an LTV issue. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 40789713 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $12,794.35 Exceeds Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21 |  |  |
| 40789713 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $12,794.35 Exceed Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test:<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21<br>Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 6.457% Exceed APR threshold of 8.606% Over By -2.149%. Subject loan is escrowed. <br>Loan fails FHA QM Rebuttable Presumption Test due to Fees charged $12,794.35 Exceed Fees threshold of $8,940.21 Over by +$3,854.14. <br> The below fees were included in the test<br> Mortgage Broker Fee paid by Borrower: $8,737.14<br> Points - Loan Discount Fee paid by Borrower: $4,057.21 |  |  |
| 65924178 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan closed with inaccurate MI. Further details are not provided. |  |  |
| 65924178 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 07/xx/2024 does not reflect Mortgage Broker Fee. Final CD dated 09/xx/2024 reflects Mortgage Broker Fee at $7,905.00.<br> Loan estimate dated 07/xx/2024 does not reflect Appraisal Fee. Final CD dated 09/xx/2024 reflects Appraisal Fee at $700.00.<br> This is a cumulative increase in fee of $8,605.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> Subject loan is Purchase case, originated on 09/xx/2024 and the 1 year SOL is active.<br>TRID violation due to decrease in lender credit on Closing Disclosure dated 09/xx/2024. Initial CD dated 08/xx/2024 reflects lender credit at $3,998.80. Final CD dated 09/xx/2024 reflects lender credit at $3,367.53. This is decrease of +$631.27 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.<br>Subject loan is Purchase case, originated on 09/xx/2024 and the 1 year SOL is active. |  |  |
| 65924178 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 65924178 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55239769 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55239769 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at, xx submission package Page#55, the subject property is a manufactured home. The affidavit of affixation document is located at Ln#xx, reflecting that the home is affixed permanently to the land with serial no. #xx. |  |  |
| 55239769 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $113,751.63. Calculated total of payments is $115,917.30 for an under disclosed amount of -$2,165.67. The disclosed total of payments of $402,759.40 is not considered accurate because it is understated by more than $100. <br>Loan failed TILA finance charge test. Finance charge disclosed on final CD as $50,210.92. Calculated finance charge is $50,496.59 for an under disclosed amount of -$285.67. Subject loan is a refinance case, originated on xx/xx/2021 and the 3-year SOL has expired. |  |  |
| 55239769 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | The subject was approved as a second home. Tape shows the subject is primary. Further details not provided. |  |  |
| 55239769 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject property is a single-wide manufactured home and not eligible for a cash-out refinance with Fannie Mae. Further details not provided. |  |  |
| 4247583 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the original appraisal was more than 1 year old and expired at closing, and the appraisal update provided was not acceptable. xx searches show an estimated value of $xxK. Current UPB $xxK. Further details not provided. |  |  |
| 80288853 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 12/xx/2024 reflects cash to in the amount of $122.38. |  |  |
| 80288853 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows qualifying income used by the lender exceeds the maximum income limit permitted under the bond program guidelines. Further details not provided. |  |  |
| 80288853 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Other Disclosures | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. |  |  |
| 80288853 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6835645 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and APR test due to APR charged 11.327% Exceeds APR threshold of 9.930% Over by +1.397%. |  |  |
| 6835645 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the loan document show the appraisal report was not delivered 3 business days prior to consummation. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 6835645 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 6/xx/2024 does not reflect Points - Loan Discount fee. CD dated 8/xx/2024 reflects Points - Loan Discount fee at $115.20. This is an increase in fee of +$115.20 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years |  |  |
| 6835645 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.381% exceeds APR threshold of 9.930% over by +1.451%. The subject loan is not escrowed as the subject is a second lien loan. <br>Loan failed CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 11.381% exceeds APR threshold of 9.930% over by +1.451%. <br>Loan failed Qualified Mortgage Safe Harbor Threshold due to an APR calculated at 11.327% exceeds APR threshold of 9.930% over by +1.397%. |  |  |
| 6835645 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Qualified Mortgage APR Threshold Test due to an APR calculated at 11.327% exceeds APR threshold of 9.930% over by +1.397%. |  |  |
| 6835645 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 94913965 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 94913965 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is. Tape and review of the appraisal report show cracks in the living area and kitchen area. Structural engineer report is available in the loan file. Elevated for client review. |  |  |
| 94913965 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 10.407% exceeding the APR threshold of 8.450% by +1.957%. The subject loan is not escrowed as it originated as a second lien loan and first lien is escrowed. <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 10.407% exceeds APR threshold of 8.450% over by +1.957%. |  |  |
| 94913965 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the points test due to fees charged $5,498.10 exceed fees threshold of $5,250.00 over by +$248.10. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $3,908.10<br> Processing Fee paid by Lender: $595.00<br> Underwriting Fee paid by Lender: $995.00. |  |  |
| 23212867 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23212867 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the loan documents show the loan was closed on 9/xx/2024, and the appraisal date was delivered on 9/xx/2024. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 5218650 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO, and the tape shows the subject cash-out loan closed at an LTV of xx above the maximum loan size. Further details not provided. xx search shows an estimated value of $xxM. Current UPB $xxM. |  |  |
| 58310618 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO, as the subject property was listed for rent soon after closing, causing the lender to omit BWR primary housing expense. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE serving as a xx for 9.66 years, FICO 738, 0X30 since inception, and residual income $3,612. |  |  |
| 58310618 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 58310618 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the subject is NOO, as the subject property was listed for rent soon after closing. Further details not provided. Elevated for client review. |  |  |
| 46323688 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject is OO and was approved at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 1.75 years on the job as an xx, FICO 721, and $xxK equity in the subject. |  |  |
| 46323688 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape indicates that the property is NOO due to misrepresentation. Further details were not provided. Elevated for client review. |  |  |
| 73270125 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan did not meet the 7-year seasoning period requirement for a prior foreclosure history. Further details not provided. |  |  |
| 73270125 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow disclosure is not signed by the borrower. |  |  |
| 68624698 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from loan documents. |  |  |
| 68624698 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows debt miscalculation as the lender did not include the monthly payment of other REO. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 16.16 years on the job as a xx. BWR2 receives social security and retirement income, FICO 717, 0X30 inception, and $xxK equity in the subject. |  |  |
| 68624698 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $5,230.76 and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 28352723 | xx | xx | xx | 199ed034-40ba-4073-9bb5-17d9a97bf057 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | The tape shows verified assets were insufficient to close due to ineligible gift funds of $10K from the selling agent. Bank statements in the file show $xxK; gift assets verified of $xxK supported by a gift letter satisfy the cash-to-close requirement of $xxK at closing. |  |  |
| 28352723 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The initial escrow account disclosure is not signed by the borrower. |  |  |
| 7913331 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the Dual Broker Compensation Test as the loan has borrower-paid broker compensation of $11,960.00 and broker compensation paid by lender of $72.00. This loan contains compensation to the broker from both the borrower and lender for loan origination activities. |  |  |
| 7913331 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows violation of loan originator activities as a portion of broker compensation was paid by the lender of $72.00. Infinity compliance result shows the loan failed the dual broker compensation test. Further details not provided. |  |  |
| 54708257 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed complianceEase delivery and timing test for revised CD dated 09/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of 09/xx/2024, which is after the closing date of 09/xx/2024.<br>Loan fails loan origination fee test due to fees charged $4,042.00 exceeds fees threshold of $4,016.73 by +$25.27. The below fee was included in the test: Loan Origination Fee paid by Borrower: $4,042.00 |  |  |
| 54708257 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Subject loan is a VA IRRRL streamline refinance loan closed with xx% LTV that exceeds the max LTV guideline. Further details not provided. |  |  |
| 54708257 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA certificate is missing from the loan documents. |  |  |
| 80566423 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 3/xx/2024 reflects cash to in the amount of $2,904.93. |  |  |
| 80566423 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 7 months on the job as a xx, FICO 711, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 80566423 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 3: Curable | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 80566423 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 80566423 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 80566423 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 02/xx/2024 does not reflect Mortgage Broker Fee. Final CD dated 03/xx/2024 reflects Mortgage Broker Fee at $4,389.00. This is an increase in fee of +$4,389.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active. |  |  |
| 17175362 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $10,065.00 Exceeds Fees threshold of $8,236.95 Over by +$1,828.05. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $250.00<br> Mortgage Broker Fee paid by Borrower: $6,426.00<br> Points - Loan Discount Fee paid by Borrower: $1,794.00<br> Processing Fee paid by Borrower: $500.00 |  |  |
| 17175362 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan file. |  |  |
| 17175362 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $10,065.00 Exceeds Fees threshold of $8,236.95 Over by +$1,828.05. <br> The below fees were included in the test:<br> Administration Fee paid by Borrower: $1,095.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $250.00<br> Mortgage Broker Fee paid by Borrower: $6,426.00<br> Points - Loan Discount Fee paid by Borrower: $1,794.00<br> Processing Fee paid by Borrower: $500.00 |  |  |
| 17175362 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial 1003 signed by loan originator is missing from the loan files. |  |  |
| 17175362 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan officer's license was expired at the time of application and subsequently renewed at the time of closing. Further details not provided. |  |  |
| 75794967 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 6.08 years at xx, FICO 759, 0X30 since inception, and $xxK equity in the subject. BWR qualified with $xxK plus annual income. |  |  |
| 75794967 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 13604611 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | Initial 1003 signed by loan originator is missing from the loan documents. |  |  |
| 13604611 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation and revised DTI exceeds xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 8 months on the job as a xx. BWR2 has 4.91 years on the job as xx, FICO 771, 0X30 since inception, and $xx equity in the subject. |  |  |
| 53602025 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32171506 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows an increase in BWR1 fluctuating income is not supported. Lender defect. Review shows paystubs in file support lender calculation. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 1.25 years on the job as a xx, and BWR2 has 1.5 years on the job as a xx, FICO 656, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 62649904 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated 10/xx/2024 reflects Points—Loan Discount Fee at $7,058.00. CD dated 11/xx/2024 reflects Points - Loan Discount Fee at $7,351.15. This is an increase in fee of +$293.15 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2024, and the SOL is 1 year active. |  |  |
| 62649904 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 62649904 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan lost AUS approval and is not eligible for delivery to Fannie Mae after the number of units submitted in the AUS and UCDP was changed from 1 unit to 2 unit property. Further details are not provided. |  |  |
| 62649904 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,116.15 exceeding the fees threshold of $6,898.26, over by +$2,217.89.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,351.15<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $995.00<br> Validation Services Fee paid by Borrower: $175.00<br>Loan failed qualified mortgage lending policy points and fees test due to fees charged $9,116.15 exceeding fees threshold of $6,898.26 over by +$2,217.89. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,351.15<br> Processing Fee paid by Borrower: $595.00<br> Underwriting Fee paid by Borrower: $995.00<br> Validation Services Fee paid by Borrower: $175.00 |  |  |
| 62649904 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 86261172 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided. |  |  |
| 86261172 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the prohibited fees first lien test.<br> The below fees were included in the test:<br> Application Fee paid by Borrower: $750.00<br> Processing Fee paid by Borrower: $350.00. |  |  |
| 53967757 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed under state regulations for the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. This is not a high cost fail. |  |  |
| 53967757 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per tape, after further review of this payment history by the Investor, the multiple returned payments due to non-sufficient funds and the age of this loan rendered this loan is ineligible for purchase. According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. |  |  |
| 53967757 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 9/xx/2024 reflects cash to in the amount of $1,952.95 |  |  |
| 32956785 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to Initial CD is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 32956785 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. |  |  |
| 32956785 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided. |  |  |
| 40690912 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated 10.248% exceeds APR threshold of 8.230% over by +2.018%. Subject loan is escrowed. |  |  |
| 40690912 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40690912 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows subject condo project is not warrantable to GSE standards. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 46470277 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | The loan failed TILA finance charge test as the finance charge disclosed on final CD as $545,337.45. Calculated finance charge is $546,232.20 for an under disclosed amount of -$894.75. The subject loan is purchase transaction originated on xx/xx/2024, and the 1-year TILA/TRID SOL is active.<br>Downgraded to Level 2 as the subject loan is a purchase case originated on xx/xx/2024 and the 1-year SOL has expired. |  |  |
| 46470277 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB $xxK. |  |  |
| 46470277 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 4: Unacceptable | \* Property Marketability Issues (Lvl 4) | The tape shows the subject property is ineligible as the condo questionnaire reflects special assessments of $xx for roof repairs and common area window replacements. The final inspection report confirming the completion of repairs is missing from the loan file. |  |  |
| 17313957 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. Further details not provided. |  |  |
| 31987780 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 31987780 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 2/xx/2024 does not reflect HUD Label / Certification. CD dated 2/xx/2024 reflects HUD Label / Certification at $175.00. This is an increase in fee of +$175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/2024 and the 1-year SOL has expired. |  |  |
| 31987780 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | The home is affixed to the land. As per appraisal report located at, xx, the subject property is a manufactured home. The affidavit of affixation document located at xx reflects that the home is affixed with permanently to the land with serial no. # xx. Schedule B of the final policy, which is located at Credit File - xx shows exception for the notice of manufactured housing unit or commercial coach, installed on a permanent foundation system recorded on xx/xx/2011 with instrument #xx. |  |  |
| 31987780 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental income miscalculation and undisclosed debt. The revised DTI is xx%. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR did a recast mod with lender and paid $xx in principal. BWR 1 receives SSI and pension income, FICO 809. 0X30 since inception, $xxK equity in the subject, and residual income $xx. |  |  |
| 79310651 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 79310651 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79310651 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TRID total of payment disclosed on final CD as $1,780,835.94. Calculated total of payments is $1,781,079.34 for an under disclosed amount of -$243.40.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 79310651 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that are in total cannot increase more than 10% tolerance test. Initial CD dated 02/xx/2024 reflects the sum of survey fee and recording fee at $660.00. CD dated 3/xx/2024 reflects the sum of recording fee and insurance premium at $9,101.00. This is a cumulative increase of $8,815.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 79310651 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as the BWR never left the departure REO causing the lender to omit BWR primary housing expense. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been at SE for 9 years at xx, FICO 755, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 79310651 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation. Elevated for client review. |  |  |
| 77584712 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 77584712 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is. Tape and photo addendum show cracks in the concrete block basement wall. The engineer inspection report verifying the structural integrity of the subject property is missing from the loan documents. The cost of the cure is not provided. |  |  |
| 42910196 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject condo project is ineligible, and a review of the appraisal report shows the subject property is a condotel. The subject is a unit in the xx. Further details not provided. xx search shows an estimated value of $xxM. Current UPB is $xxK. |  |  |
| 42910196 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject approved as second home. BWR lives and works in the xx area. Subject condo in xx is more likely an NOO. |  |  |
| 42910196 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22815598 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22815598 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $2,789.74 and the loan was underwritten by DU (Locator#xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 70312607 | xx | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Condo / PUD rider Missing (Lvl 2) | The condominium rider is missing from the loan files. |  |  |
| 70312607 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The seller's tape data shows previously D30. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB as per the tape data is $xx. |  |  |
| 21540138 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The manufactured home rider and affidavit of affixation are attached with the recorded mortgage located at "xx," which states that the manufactured home with Serial xx has been affixed to the permanent foundation. |  |  |
| 21540138 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject property is a single-wide manufactured home and not eligible for a cash-out refinance with Fannie Mae. Further details not provided. |  |  |
| 39908572 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock provided expired on xx/xx/2024, and the loan closed on xx/xx/2024. No lock extension found. |  |  |
| 39908572 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows pension income was not supported and HOA payment calculation was incorrect. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR receives retirement income, FICO 680, 0X30 since inception, $xxK equity in the subject, and $3,661 residual income. |  |  |
| 51303575 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 51303575 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 51303575 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 51303575 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.934% exceeds APR threshold of 7.820% over by +0.114%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.861% Exceeds APR threshold of 7.820% Over By +0.041%. Subject loan is escrowed. |  |  |
| 51303575 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 08/xx/2024 does not reflect Credit Technology and Verification Fee. PCCD dated 12/xx/2024 reflects Credit Technology and Verification Fee at $50.00. This is an increase in fee of +$50.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 51303575 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx%. Tape shows the subject loan is not salable to the FHA as the AUS recommendation is refer, and the loan does not qualify for manual UW due to a front-end DTI of xx%. Further details not provided. |  |  |
| 31425613 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $7,670.60, and the loan was manually underwritten. |  |  |
| 31425613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 44732671 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 3/xx/2024 does not reflect Rate Lock Extension Fee. CD dated 10/xx/2024 reflects Rate Lock Extension Fee at $736.26. This is an increase in fee of +$736.26 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is active. |  |  |
| 44732671 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC (interested party contribution) exceeded 3% limit over by $350. The final CD reflects a seller credit of $xxK and LTV ineligible with sales price inducement. Further details not provided. |  |  |
| 44732671 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. |  |  |
| 44732671 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 22856104 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | TILA Finance charge disclosed on Final CD as $913,015.26. Calculated finance charge is $914,456.76 for an under disclosed amount of -$1,441.50.<br>Loan failed TILA Foreclosure Rescission Finance charge of $913,015.26 exceeds Disclosed Finance charge of $914,421.76 over by -$1,406.50.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 22856104 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows pension income is not supported. The revised DTI is xx%. Further details not provided. Lender effect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 receive SSI and retirement income, FICO 755, 0X30 since inception, $xxM equity in the subject, and residual income $xx. |  |  |
| 22856104 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22856104 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 9/xx/2024 reflects the sum of Section C fees and Recording fee at $180.00. CD dated 9/xx/2024 reflects the sum of Section C and Recording fee at $159.50. This is a cumulative increase of +$20.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 9/xx/2024 reflects Transfer Taxes at $714.00. CD dated 9/xx/2024 reflects Transfer Taxes at $1,225.00. This is an increase in fee of $511.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 22856104 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 38848892 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Review shows lender miscalculated BWR2 income and the revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 15.5 years on the job as a xx. BWR2 has 10.2 years on the job as a xx, FICO 783, $42.5K equity in the subject, 0X30 since inception and residual income $xx. |  |  |
| 38848892 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 38848892 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the subject loan does not meet FNMA zoning compliance requirements. The appraisal report shows the subject property's zoning is legal non-conforming. Further details not provided. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 67869108 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operative income is $xx and annual payments (debt service) are $xx, and the debt service cover ratio (DSCR) is 0.88. |  |  |
| 67869108 | xx | xx | xx | 199ed034-40ba-4073-9bb5-17d9a97bf057 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | As per the seller tape data, there is tape defect for early payment default due to ACH issue. The loan is current now. As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $xx and interest rate is xx%. As per seller tape data, the current UPB is $xx which is same as the original principal balance. |  |  |
| 15285089 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the LO of the subject loan is on Freddie Mac's exclusionary list. Further details not provided. Review shows ATR confirmed. Value supported at $xxK. UPB $xxK. |  |  |
| 22761917 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 22761917 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is. The appraisal report and tape show the bathroom has missing drywall, flooring, and cracked blocks in the basement; the bathroom is in the process of remodeling. The BWR does not intend to finish the remodel until spring 2025. The estimated cost to cure is $xxK. 1004D report is missing from the loan documents. Final CD does not reflect the escrow holdback amount. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 97281081 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 97281081 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 97281081 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows income miscalculation. Further details not provided. The revised DTI is xx%. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR is employed by the lender and has 3.41 years on the job as a xx, FICO 733, $xx equity in the subject, and xx residual income.<br>Downgraded to LVL2 as per PH. |  |  |
| 97281081 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. |  |  |
| 87485802 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6.83 years on the job as a xx with xx Additionally, BWR receives pension income, FICO 781, and $xxK equity in the subject. |  |  |
| 87485802 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 87485802 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. The tape shows the property is NOO due to misrepresentation. BWR works in XX, and the subject is in XX. Further details not provided. Elevated for client review. |  |  |
| 90081497 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2 with a sales price of $xxK is closest to the subject property. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 95932408 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.210 exceeds APR threshold of 8.400% over by +1.810%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 95932408 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR1 residency documents are missing. The subject is an ITIN loan, and BWR is a permanent resident alien. Review of the file shows the ITIN letter and passport are available. Review shows ATR confirmed. Further details not provided. |  |  |
| 14732409 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.652% exceeds APR threshold of 7.860% over by +0.792%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 8.652% exceeds APR threshold of 7.860% over by +0.792%. |  |  |
| 14732409 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xxK. Market value of the subject property ($xxK) is closest to adjusted sales price ($xxK) of comparable #2. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 14732409 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 96440105 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 96440105 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows that the loan was approved while the BWR was on leave and the lender could not verify the BWR was back to work. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5.75 years on the job as a xx, FICO 765, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 96440105 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 96440105 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 9/xx/2024 reflects Transfer Taxes at $733.00. Final closing disclosure dated 10/xx/2024 reflects Transfer Taxes at $888.89. This is an increase in fee of +$155.89 for charges that cannot increase. A valid COC for the increase in fee is available. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 96440105 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79860356 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to calculated finance charge of $145,474.63 exceeds disclosed finance charge of $149,840.50 for an under disclosed amount of -$4,365.87. |  |  |
| 79860356 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. |  |  |
| 79860356 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50465257 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows a revised DTI of greater than xx%. Further details not provided. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has been SE for 17.75 years at xx, and BWR2 has been SE for 27.75 years at xx, FICO 782, 0X30 since inception, and $xx equity in the subject.<br>Downgraded to LVL2 as per PH. |  |  |
| 50465257 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.689%, exceeding the APR threshold of 7.540% by +2.149%. The subject loan originated on 10/xx/2024, and the 1-year affirmative defense period is open. A review of the loan file shows that the first lien has an escrow account. The loan failed the CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 9.689%, exceeding the APR threshold of 7.540% by +2.149%.<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.680% exceeds APR threshold of 7.540% over by +2.140%. |  |  |
| 50465257 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 50465257 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 50465257 | xx | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ComplianceEase State/Local Predatory Test Failed (Lvl 4) | Loan fails CA Covered Loan Points and Fees Threshold Test due to fees charged $2,908.00 exceeds fees threshold of $2,814.42 over by +$93.58. <br> No liability is imposed on assignee (no assignee liability).<br>The below fees were included in the test:<br> Administration Fee paid by Borrower: $495.00<br> Flood Certification - Single Charge or Life of Loan paid by Borrower: $7.00<br> Mortgage Broker Fee paid by Borrower: $1,498.00<br> Recording Service Fee paid by Borrower: $23.00<br> Settlement or Closing Fee paid by Borrower: $550.00<br> Sub-Escrow Fee paid by Borrower: $180.00<br> Tax Service Fee paid by Borrower: $86.00<br> Title Courier Fee paid by Borrower: $30.00<br> Undisclosed Debt Monitoring Fee paid by Borrower: $9.00<br> Wire Transfer Fee paid by Borrower: $30.00<br>This loan failed the financing of points and fees test due to the covered loan finances points and fees in excess of $1,000 or 6% of the original principal balance, exclusive of points and fees, whichever is greater. |  |  |
| 79356502 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows the septic inspection required as per the purchase contract is missing from the loan file. Further details not provided. |  |  |
| 79356502 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 79356502 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 79356502 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured as single premium MI was not paid, and the lender delivered the loan with 12% coverage with General Electric. File shows the MI certificate with xx% coverage. Further details not provided. |  |  |
| 79356502 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. |  |  |
| 79356502 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> The loan estimate dated 3/xx/2021 does not reflect the pest inspection fee. The CD dated 4/xx/2021 reflects a pest inspection fee of $175.00.<br> The loan estimate dated 3/xx/2021 reflects the appraisal fee at $500.00. CD dated 4/xx/2021 reflects the appraisal fee at $575.00.<br> This is a cumulative increase in fees of $250.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents.<br> TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 4/xx/2021. The initial LE dated 3/xx/2021 reflects a lender credit at $15.99, and the final CD dated 4/xx/2021 reflects a lender at $0.00. This is a decrease of $15.99 for a fee that has a 0% tolerance test.<br>The subject loan is a purchase, originated on xx/xx/2021, and the 1-year SOL has expired. |  |  |
| 10910037 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 8/xx/2016 reflects the recording fee at $128.00. CD dated 7/xx/2017 reflects the sum of section C and recording fee at $407.00. This is a cumulative increase of $266.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 08/xx/2016 does not reflect points - loan discount fee. CD dated 07/xx/2017 reflects points - loan discount fee at $8,496.96. Loan estimate dated 08/xx/2016 does not reflect administration fee. CD dated 07/xx/2017 reflects administration fee at $4,504.00. Loan estimate dated 08/xx/2016 does not reflect appraisal re-inspection fee. CD dated 07/xx/2017 reflects appraisal re-inspection fee at $175.00. Loan estimate dated 08/xx/2016 does not reflect appraisal review fee. CD dated 07/xx/2017 reflects appraisal review fee at $1,250.00. Loan estimate dated 08/xx/2016 reflects appraisal fee at $500.00. CD dated 07/xx/2017 reflects appraisal fee at $615.00. This is an increase in fee of +$115.00 for charges that cannot increase. This is a cumulative increase in fee of +$14,540.96 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2017 and the SOL is 1 year. |  |  |
| 10910037 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 10910037 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 10910037 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 6.016% exceeds APR threshold of 5.840% over By +0.176%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.016% Exceeds APR threshold of 5.840% Over By +0.176%. Subject loan is escrowed. |  |  |
| 10910037 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report dated xx/xx/2017 shows subject to repairs due to renovation. The estimated cost of repairs is $xx. Missing 1004D. xx search shows estimated value of $xx. Current UPB $xx. |  |  |
| 93223845 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as NOO at xx%. Tape shows property is OO due to misrepresentation, and the BWR does not qualify without using rental income from the subject property. Further details not provided. BWR defect. The subject loan originated on xx/xx/2018, and the 3-year SOL is expired. BWR has been SE for 2.33 years at xx, FICO 571, and $xxK equity in the subject. |  |  |
| 93223845 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 3: Curable | \* Occupancy concerns - (Lvl 3) | Subject was approved as NOO. The tape indicates that the property is OO due to misrepresentation. Further details not provided. |  |  |
| 93223845 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the tape, the BWR was past due for the 4/xx/2020 payment. The payment for xx/xx/2020 was returned due to NSF. The BWR was subsequently approved for FB and the repayment plan. The loan became current after the repayment plan. As per the payment history as of xx/xx/2025, the borrower is 4 months delinquent with the loan, and the next due date is xx/xx/2024. |  |  |
| 26653643 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows asset misrepresentation as bank statements were altered. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has been SE for 3.91 years at xx, FICO 670, 1X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 26653643 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19678522 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.143% exceeds APR threshold of 8.320% over by +1.823%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 19678522 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed SSPL document date test. Loan originator received initial application on 2/xx/2024. SSPL document date is xx/xx/2024 which is more than 3 business days from the initial application date xx/xx/2024. |  |  |
| 19678522 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19678522 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. |  |  |
| 19678522 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | The revised CD dated 3/xx/2024 is missing from the loan documents. |  |  |
| 19678522 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report shows the detached garage roof is damaged and needs to be torn down or repaired. 1004D report is missing from the loan documents. Final CD does not reflect the escrow holdback. |  |  |
| 39542091 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $8,433.26, and the loan was manually underwritten. |  |  |
| 39542091 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows revised DTI xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2019, and the 3-year SOL has expired. BWR has been SE for 35 years at xx, FICO 777, 0X30 in the last 24 months, $xxK equity in the subject, and residual income $1,649. |  |  |
| 75938970 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 75938970 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Subject loan is Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $6,206.95 exceeds fees threshold of $5,551.44 over by +$655.51.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,756.95<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $850.00. |  |  |
| 75938970 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75938970 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 4/xx/2023 does not reflect Points - Loan Discount Fee. Final CD dated 8/xx/2023 reflects Points - Loan Discount Fee at $4,756.95. This is an increase fee in the amount of +$4,756.95 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is Refinance, originated on xx/xx/2023 and the 3-year SOL is active. |  |  |
| 75938970 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,206.95 exceeds fees threshold of $5,551.44 over by +$655.51.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $4,756.95<br> Processing Fee paid by Borrower: $600.00<br> Underwriting Fee paid by Borrower: $850.00. |  |  |
| 75938970 | xx | xx | xx | 601e35f8-825b-41b5-afa6-d4c3566a1df2 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 4: Unacceptable | \* Property is Mixed Use (Lvl 4) | Subject is a mixed use property with an SF and a business on site operating as the xx. Appraised value at $xxK. UPB $xxK. Elevated for client review. |  |  |
| 118806 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows subject loan is an HPML loan closed without an escrow account. The infinity compliance result shows that the loan failed the HPML test and the subject loan is not escrowed. |  |  |
| 118806 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* Higher Price Mortgage Loan (Lvl 4) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.996% exceeds APR threshold of 7.900% by +0.096%. The subject loan is not escrowed. Subject loan originated on xx/xx/2024, and the 1-year affirmative defense period is open. |  |  |
| 24571519 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows as TRID Violation as the initial disclosures were not issued within the required time period. Infinity compliance result shows the loan failing TRID delivery and timing test. Further details not provided. |  |  |
| 24571519 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The initial loan estimate delivery date is 4/xx/2024, which is later than the third business day after the creditor receives the consumer's initial written application on xx/xx/2024. |  |  |
| 24571519 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance tests and charges that in total cannot increase more than 10% tolerance tests due to loan failed initial LE delivery and timing tests. The initial LE dated 4/xx/2024 was delivered on 4/xx/2024, which is more than 3 business days from the initial application date of xx/xx/2024. The subject loan is refinance, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 24571519 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed the TILA Foreclosure Rescission Finance Charge test, as this loan data reflects a foreclosure rescission finance charge in the amount of $87,117.01. Comparison data foreclosure rescission finance charge in the amount of $87,157.01, and the variance is -$40.00. The subject loan is refinance, originated on xx/xx//2024, and the 3-year SOL is active. |  |  |
| 24571519 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 24571519 | xx | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase RESPA Test Failed (Lvl 3) | This loan failed the homeownership counseling organization's disclosure date and list of service providers disclosure test due to the homeownership counseling organization's disclosure and list of service providers disclosure dated 4/xx/2024, which is not within three business days of the loan originator's application dated xx/xx/2024. |  |  |
| 65468823 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as xx%. Tape shows the lender did not include child support payments in the DTI calculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR has 18.1 years on the job as a xx, FICO 828, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 27308031 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 12/xx/2021. Initial LE dated 11/xx/2021 reflects Lender Credit at $471.00, Final CD dated 12/xx/2021 reflects Lender at $0.00 This is decrease of +$471.00 for fee which has 0% tolerance test.<br>The subject loan is a purchase, originated on xx/xx/2021 and the 1-year SOL has expired. |  |  |
| 27308031 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income and occupancy misrepresentation causing the lender to omit primary housing expense. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2021, and the 3-year SOL is expired. BWR has 10 months on the job as a xx, FICO 767, 0X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 27308031 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR did not occupy the subject. Elevated for client review. |  |  |
| 27308031 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27308031 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $10,262.32. Exceeds fees threshold of $8,682.47, over by +$1,579.85. The below fees were included in the test: Mortgage Broker Fee (Indirect) $8,140.00 Points—Loan Discount Fee paid by Borrower: $2,122.32 |  |  |
| 27308031 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $10,262.32 exceeding the fees threshold of $8,682.47 over by +$1,579.85. The below fees were included in the test: Mortgage Broker Fee (Indirect) $8,140.00 Points—Loan Discount Fee paid by Borrower: $2,122.32 |  |  |
| 27308031 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx and total expenses are in the amount of $3,532.50 and the loan was underwritten by LP (Locator# xx) and its recommendation is "Accept" with a DTI of xx%. |  |  |
| 27308031 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 12/xx/2021 reflects cash to in the amount of $1,515.01. |  |  |
| 1058313 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated 09/xx/2021. Initial CD dated 08/xx/2021 reflects lender credit at $6,183.36. Final CD dated 09/xx/2021 reflects lender credit at $6,129.69. This is decrease of -$53.67 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1-year SOL has expired. |  |  |
| 1058313 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents |  |  |
| 1058313 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as the BWR did not occupy the subject property, causing the lender to omit the BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 1.66 years on the job as a xx, FICO 695, 0X30 in the last 24 months, and $xxK equity in the subject. |  |  |
| 1058313 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as the BWR did not occupy the subject property. Elevated for client review. |  |  |
| 62453417 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 62453417 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 2/xx/2024 reflects Points - Loan Discount Fee at $1,045.00. CD dated 3/xx/2024 reflects Points - Loan Discount Fee at $1,382.03. This is an increase in fee of +$337.03 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 62453417 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, it shows "Loan went EPD." According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current UPB reflected as per the payment history is $xx. |  |  |
| 62453417 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 62453417 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Foreclosure Rescission Finance Charge Test. Finance charge disclosed on final CD as $90,976.52. Calculated finance charge is $91,016.52 for an under disclosed amount of -$40.00. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 98136908 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows "EPD." As per the PH as of xx/xx/2025, the BWR is current with the loan, and the next due date is xx/xx/2025. |  |  |
| 98136908 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. |  |  |
| 28738424 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed FHA QM safe harbor test threshold test due to APR calculated 8.800% exceeds APR threshold of 9.418% under variance by -0.618%. Subject loan is escrowed. |  |  |
| 28738424 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28738424 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 28738424 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00<br>Loan fails QM lending policy points and fees test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14. <br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00 |  |  |
| 28738424 | xx | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Rebuttable Presumption - defined by loan findings (Lvl 3) | This loan failed FHA QM rebuttable presumption test due to fees charged $3,805.14 exceeds fees threshold of $3,730.00 over by +$75.14.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,616.00<br> Points - Loan Discount Fee paid by Borrower: $799.14<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $695.00 |  |  |
| 28738424 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the wrong appraised value was used to close the subject loan amount at $xx, exceeding the maximum limit for the $xxK loan. Further details not provided. |  |  |
| 28738424 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is subject to the completion of renovation. The estimated amount of repairs is $xxK, and the final CD reflects an escrow holdback of $xxK. The 1004D report is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 28738424 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Legal Docs | Active | 4: Unacceptable | \* Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated 12/xx/2023 reflects escrow holdback in the amount of $xxK. Proof for release of escrow holdback is missing from the loan documents. |  |  |
| 69222209 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. <br> The following fee was included in the test:<br> Title Closing Protection Letter paid by Borrower: $75.00. |  |  |
| 69222209 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $7,291.00 exceed fees threshold of $5,676.42 over by +$1,614.58.<br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $1,395.00<br> Points - Loan Discount Fee paid by Borrower: $7,890.00<br> Excluded Bona Fide Discount Points -$1,994.00 |  |  |
| 69222209 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the Qualified Mortgage Lending policy points and fees test due to fees charged $7,291.00 exceed fees threshold of $5,676.42 over by +$1,614.58.<br> The below fees were included in the test:<br> Commitment Fee paid by Borrower: $1,395.00<br> Points - Loan Discount Fee paid by Borrower: $7,890.00<br> Loan Discount Fee (less excludable bona fide discount points) $5,896.00 |  |  |
| 69222209 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows fees on the subject loan exceeded 2% limit. Infinity compliance result shows that the loan failed the QM points and fees test. |  |  |
| 34246642 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $1,882.20 and the loan was underwritten by AUS/DU (Locator#xx) and its recommendation is Accept with a DTI of xx%. |  |  |
| 34246642 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired. |  |  |
| 34246642 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 34246642 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 09/xx/2021 does not reflect Points - Loan Discount Fee. CD dated 10/xx/2021 reflects Points - Loan Discount Fee at $1,300.50. This is an increase in fee of $1,300.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2021 and the 1 year SOL is expired. |  |  |
| 34246642 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows prior FHLMC indemnification that required repurchase if the borrower went 120 days DQ. As per tape data of payment history BWR is delinquent for 1 month and the next due date is xx/xx/2025. The UPB is $xx. |  |  |
| 66438511 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 10/xx/2023. Initial LE dated 08/xx/2023 reflects Lender Credit at $420.00. Final CD dated 10/xx/2023 reflects Lender Credit at $352.00. This is a decrease of $68.00 for fee which has 0% tolerance test. Valid COC for NSLC is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 66438511 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 66438511 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has one month on the new job as a xx, BWR2 receives retirement income, FICO 656, 0X30 since inception, and $xxK equity in the subject. |  |  |
| 66438511 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan document. |  |  |
| 66438511 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to fees charged $3,960.97 exceeds fees threshold of $3,875.96 over by +$85.01. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,770.97<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $1,395.00 |  |  |
| 66438511 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. |  |  |
| 66438511 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,960.97 exceeds fees threshold of $3,875.96 over by +$85.01. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,770.97<br> Processing Fee paid by Borrower: $795.00<br> Underwriting Fee paid by Borrower: $1,395.00 |  |  |
| 66438511 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 36850625 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br> Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year. |  |  |
| 36850625 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Written list of service providers disclosure dated 7/xx/2022 is missing from the loan file. |  |  |
| 36850625 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed with CLTV at xx%, exceeding the xx% CLTV threshold for a streamlined condo review. Condo questionnaire is missing from the loan documents. Further details not provided. |  |  |
| 36850625 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 07/xx/2022 reflects Points - Loan Discount Fee at $2,876.00. CD dated 08/xx/2022 reflects Points - Loan Discount Fee at $2,878.48. This is an increase in fee of $2.48 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2022 and the SOL is 1 year. |  |  |
| 56083607 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Right of Rescission missing or unexecuted (Lvl 3) | ROR is missing from loan file. |  |  |
| 56083607 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show lender failed to include spousal lien UPB of $xxK in CLTV calculation. Revised CLTV increases from xx% to xx%. Further details not provided. |  |  |
| 6275428 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows HPML due to an APOR violation. Infinity compliance result shows the loan passed the HPML test. Further details not provided. |  |  |
| 6275428 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Final CD dated 1/xx/2024 reflects Points - Loan Discount Fee at $3,155.39. Post CD dated 2/xx/2024 reflects Points - Loan Discount Fee at $3,286.52. This is an increase fee in the amount of +$131.13 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 6275428 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 6275428 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $3,924.52 exceeds fees threshold of $3,914.00 over by +$10.52.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $638.00<br> Points - Loan Discount Fee paid by Borrower: $3,286.52. |  |  |
| 6275428 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,924.52 exceeds fees threshold of $3,914.00 over by +$10.52.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $638.00<br> Points - Loan Discount Fee paid by Borrower: $3,286.52. |  |  |
| 59681442 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed qualified mortgage APR threshold test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%. |  |  |
| 59681442 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows BWR2's income source is from a non-arm's-length transaction as she is employed as a xx by BWR1. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives VA benefits and social security income. BWR2 has 1.41 years on the job as a xx. Additionally, BWR2 receives social security income, FICO 720, 0X30 since inception, and $65K equity in the subject. |  |  |
| 59681442 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 11.496% exceeds APR threshold of 10.690% over by +0.806%. Subject is second lien and first lien is escrowed. <br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%. |  |  |
| 59681442 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial CD dated 06/xx/2024 reflects points - loan discount fee at $2,301.59. Final CD dated 06/xx/2024 reflects points - loan discount fee at $2,419.74. This is an increase in fee of +$118.15 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active.<br>Loan failed compliance ease delivery and timing test for revised CD dated 06/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of 06/xx/2024, which is after the consummation date of 06/xx/2024. |  |  |
| 59681442 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 59681442 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $233,444.80. Calculated finance charge is $233,484.80 for an under disclosed amount of -$40.00. |  |  |
| 59681442 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM APR test due to APR calculated 11.496% exceeds APR threshold of 10.690% over by +0.806%. |  |  |
| 61617647 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows loan went EPD. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is 03/xx/2025. The current monthly P&I is $xx with an interest rate of xx%. The current UPB reflected as per the payment history is $xx. Further details are not provided. |  |  |
| 61617647 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 63361137 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.981% exceeds APR threshold of 4.430% over by +0.551%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 4.981% exceeds APR threshold of 4.430% over by +0.551%. Subject loan is escrowed. |  |  |
| 63361137 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 63361137 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated 9/xx/2020 does not reflect Points - Loan Discount Fee. Final CD dated 10/xx/2020 reflects Points - Loan Discount Fee at $462.67. This is an increase fee in the amount of +$462.67 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/2020, and the 1-year SOL is expired. |  |  |
| 63361137 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020, and the 3-year SOL has expired. BWR has 2.83 years on the job as a xx, FICO 723, $31K equity in the subject, and $1,195 residual income. |  |  |
| 63361137 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) |) Tape shows a large deposit was not sourced and insufficient assets. Bank statement in the file shows assets of $xx, and the cash-to-close requirement is xx. There is a shortfall of funds in the amount of $xxk. Further details were not provided. |  |  |
| 63361137 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 41359148 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/2022, and the 3-year SOL is active. BWR has 2.11 years on the job as an xx, FICO 726, and $99K equity in the subject. |  |  |
| 41359148 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. |  |  |
| 26050053 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.410% exceeds APR threshold of 8.550% over by +0.860%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.945% exceeds APR threshold of 8.550% over by +0.395%. |  |  |
| 26050053 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed QM APR spread test. Infinity compliance result shows the loan failed the HPML and QM Safe Harbor threshold test. Further details not provided. |  |  |
| 24547625 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 24547625 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 24547625 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 5/xx/2024 reflects the sum of Section C fees and Recording fee at $659.00. CD dated 6/xx/2024 reflects the sum of Section C and Recording fee at $415.80. This is a cumulative increase of +$243.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. <br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 24547625 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender miscalculated PITI of the first lien, and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR2 receives retirement income, FICO 811, 0X30 since inception, $xxK equity in the subject, and residual income $1,272. |  |  |
| 67881748 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 2: Acceptable with Warnings | \* Property is Manufactured Housing (Lvl 2) | The home is affixed. As per appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is located at Ln#xx and the manufactured home rider located atxx reflecting that the home is affixed with permanently to the land. The VIN number is xx. |  |  |
| 67881748 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 67881748 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 67881748 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 1/xx/2024 does not reflect HUD IBTS Certification Fee. CD dated 2/xx/2024 reflects HUD IBTS Certification Fee at $275.00.<br> Loan estimate dated 1/xx/2024 does not reflect Points - Loan Discount Fee at . CD dated 2/xx/2024 reflects Points - Loan Discount Fee at $44.53.<br> This is a cumulative increase in fee of $319.53 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years.<br>TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 2/xx/2024. Initial LE dated 1/xx/2024 reflects Lender Credit at $187.00, Final CD dated 2/xx/2024 reflects Lender at $0.00. This is decrease of +$187.00 for fee which has 0% tolerance test. |  |  |
| 67881748 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 67881748 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $96,147.14. Calculated finance charge is $96,798.44 for an under disclosed amount of -$651.30. Reason for finance charge under disclosure is unknown as the fee itemization is missing.<br>TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $96,147.14. Calculated finance charge is $96,763.44 for an under disclosed amount of<br> -$616.30. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. |  |  |
| 67881748 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 6.91 years on the job as a xx, FICO 746, 0X30 since inception, $xxK equity in the subject, and $xx residual income. |  |  |
| 68881334 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 68881334 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 7/xx/2024 reflects the sum of Section C fees and Recording fee at $1,032.00. CD dated 9/xx/2024 reflects the sum of Section C and Recording fee at $1,031.80. This is a cumulative increase of +$0.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.<br>Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 68881334 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 68881334 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file shows appraisal is subject to removal of second kitchen, and 1004D was not obtained. The photo addendum shows the roof, deck, siding, and flooring are damaged. The estimated cost of repairs is $xxK. 1004D is missing from the loan document, and the final CD does not reflect the escrow holdback. Subject closed 9/xx/24. UPB $xxK. |  |  |
| 86159186 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 86159186 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows an EPD. According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The unpaid principal balance is $xx. |  |  |
| 45429401 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. Current UPB is $xxK. |  |  |
| 45429401 | xx | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | \* Property is Commercial Prop (Lvl 3) | Tape shows the subject is NOO, and the property is commercially used as an elder care facility. Further details not provided. Elevated for client review. |  |  |
| 47065464 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47065464 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows EPD. The loan was originated on xx/xx/2023 with the first payment on xx/xx/2024. As per the payment history, the payment for the due date 2/xx/2024 was made on 2/xx/2024. According to tape data as of 01/xx/2025, the borrower is current with the loan, and the next due date is 03/xx/2025. The current UPB reflected as per the payment history tape data is $xx. |  |  |
| 47546153 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows the initial CD waiting period requirement was not met as Veteran's Day was not considered. Infinity compliance result show the loan has failed the delivery and timing test for the initial CD as the receipt date is less than 3 business days from the consummation date. |  |  |
| 47546153 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails compliance delivery and timing test for CD dated 11/xx/2024. The document tracker is missing, and 3 business days were added to get the receipt date of 11/xx/2024, which is less than 3 business days from the consummation date of 11/xx/2024. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 47546153 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 09/xx/2024 reflects Points - Loan Discount Fee at $936.00. CD dated 11/xx/2024 reflects Points - Loan Discount Fee at $1,442.90.<br> Loan estimate dated 09/xx/2024 does not reflect Tax Service Fee. CD dated 11/xx/2024 reflects Tax Service Fee at $99.00.<br> This is a cumulative increase in fee of +$605.90 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 47546153 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 47546153 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from loan file. |  |  |
| 49486697 | xx | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase RESPA Test Failed (Lvl 3) | The loan failed the RESPA timing test due to the LE, SSPL and the homeownership counseling organization disclosure were issued 4 days after initial application date. Initial loan application date is xx/xx/2024 and the documents are dated xx/xx/2024. |  |  |
| 49486697 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows initial disclosures were not provided on time. Infinity compliance result shows that the loan failed the RESPA timing test as the initial application date is xx/xx/2024, and the documents are dated xx/xx/2024, which is more than 3 business days. |  |  |
| 49486697 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 49486697 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated 8/xx/2024 delivered on 8/xx/2024 which is more than 3 business days from initial application date 8/xx/2024. The subject is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 49486697 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Initial loan estimate delivery date test failed due to initial LE dated 8/xx/2024 and delivered on 8/xx/2024 which is more than 3 business days from initial application date xx/xx/2024. |  |  |
| 61099957 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed CA AB 260 Higher-Priced mortgage loan threshold test due to APR calculated 9.847% exceeds APR threshold of 9.550% over by +0.297%. Subject loan is escrowed.<br>Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.847% exceeds APR threshold of 9.550% over by +0.297%. Subject loan is escrowed. |  |  |
| 61099957 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 83304542 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows that the subject loan does not meet the seasoning period requirement of GNMA. Further details not provided. |  |  |
| 83304542 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 83304542 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 46901730 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan originated as a second home with LTV greater than xx% and does not satisfy minimum contribution of 5% from BWR's own funds as the Final CD shows gift asset of $33K and gift letters of $xxK in file. Seller credit of $3,600 used towards closing. Further details not provided. |  |  |
| 46901730 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial CD dated 12/xx/2024 reflects Rate Lock Fee at $155.52. Final CD dated 12/xx/2024 reflects Rate Lock Fee at $350.00. This is an increase in fee of +$194.48 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active.<br>Loan failed charges that in total cannot increase more than 10% tolerance test. LE dated 10/xx/2024 reflects Recording fee at $50.00. CD dated 12/xx/2024 reflects Recording fee at $75.00. This is an increase of +$20.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL is active. |  |  |
| 46901730 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.658% exceeds APR threshold of 7.620% over by +0.038%. Subject loan is escrowed. |  |  |
| 46901730 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 12/xx/2024 reflects cash to in the amount of $2,596.24. |  |  |
| 46901730 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 28734684 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject was approved at xx%. Tape shows lender did not include the subscription obligation in DTI calculations. Review also shows income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject originated on xx/xx/2024, and the 3-year SOL is active. BWR1 and BWR2 receive social security income, FICO 785, 0X30 since inception, $xxK equity in the subject, and $xx residual income. |  |  |
| 77176974 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan amount of $xx exceeds loan program limit of $3M, and bank statement in file shows assets of $66K do not satisfy the reserve requirements of 9 months. Further details not provided. |  |  |
| 77176974 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% using a xx% expense factor on a bank statement program, per the CPA letter in file. Per the approval, a co-buyer was added to the loan for qualifying but only signed the mortgage and not the note. DTI unable to be calculated. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been for 3 years in 2 family hospice businesses. FICO 733. 0X30 since inception. $2.9M equity in subject.<br>Downgraded to LVL2 as per PH. |  |  |
| 77176974 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 77176974 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Loan failed compliance ease delivery and timing test for revised CD dated 10/xx/2024 and revised CD dated 10/xx/2024. Document tracker is missing and 3 business days were added to get receipt date which is after the consummation date 10/xx/2024. |  |  |
| 77176974 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28339815 | xx | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | PUD rider is missing from the loan document. |  |  |
| 28339815 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx and annual payment (debt service) is $xx and their debt service cover ratio (DSCR) is 0.90. |  |  |
| 28339815 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Assets do not meet guidelines (Lvl 3) | Tape shows excluding $30K pending deposits verified assets fall short for closing. Bank statements in the file show $xxK with the $xxK excluded, and the cash-to-close requirement is $xxK. Further details not provided. |  |  |
| 50413515 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows the borrower became delinquent multiple times and is current with the loan now. According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The current monthly P&I is $xx with an interest rate of xx%. The current UPB reflected as per the payment history is $xx.. Further details are not provided. |  |  |
| 50413515 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 3: Curable | \* DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx, annual payments (debt service) are $xx, and the debt service cover ratio (DSCR) is 0.57. |  |  |
| 84710043 | xx | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | The subject property type is PUD. PUD rider is missing from the loan file. |  |  |
| 84710043 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 4: Unacceptable | \* Loan does not conform to program guidelines (Lvl 4) | The tape shows nationality issues as BWR is a foreign citizen. A review of the file shows Florida restricts the sale of property to foreign principals from Venezuelan unless they have a visa. The BWR is from the Venezuela and there is no visa in file. Further details not provided." Elevated for client review. |  |  |
| 84710043 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan file. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 84710043 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Prepayment Rider Missing (Lvl 3) | Prepayment rider is missing from the loan file. |  |  |
| 34426989 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 34426989 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 6/xx/2022 does not reflect appraisal re-inspection fee. Final CD dated 9/xx/2022 reflects appraisal re-inspection fee at $200.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br> The subject loan is a purchase case, originated on xx/xx/2022 and the 1-year SOL is expired. |  |  |
| 34426989 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 34426989 | xx | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | The PUD rider is missing from the loan documents. |  |  |
| 34426989 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject property as a PUD detached residence, and the mortgage notarized on xx/xx/2022 contains no riders for property type. Further details not provided. |  |  |
| 34426989 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | \* Missing Initial 1003_Application (Lvl 3) | The initial application signed by the loan originator is missing from the loan documents. |  |  |
| 34426989 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.911% exceeds APR threshold of 7.450% over by +1.461%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 34426989 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75251206 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 75251206 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows loan failed 3-day waiting period test for CD. Infinity compliance result shows the loan failed the TRID delivery and timing test as the initial LE and CD were delivered on the same date. |  |  |
| 75251206 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID disclosure delivery date validation test as the initial LE and CD were delivered on the same date. |  |  |
| 75251206 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,988.19 Exceeds Fees threshold of $4,584.71 Over by +$2,403.48. The below fees were included in the test: Appraisal Review Fee paid by Borrower: $150.00 Document Preparation Fee paid by Borrower: $100.00 Mortgage Broker Fee paid by Borrower: $4,437.31 Points - Loan Discount Fee paid by Borrower: $805.88 Underwriting Fee paid by Borrower: $1,495.00 Loan fails GSE (Fannie Mae public guidelines) QM APR test due to APR charged 9.695% Exceeds APR threshold of 8.610% Over by +1.085%. |  |  |
| 75251206 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan originated xx/xx/24 and was approved at xx% using 1099's. The file contained 2023 tax transcripts that did not support the 1099 income used for qualifying; revised DTI over xx%. Further details not provided. Lender defect. BWR 1 is SE with xx for 15 years, BWR 2 is SE with xx for 2 years, the 3-year SOL is active., FICO 731 and $xxK in equity. |  |  |
| 51152669 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.467% exceeds APR threshold of 7.860% over by +0.607%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 Higher-Priced Mortgage Loan Test due to an APR calculated at 8.467% exceeds APR threshold of 7.860% over by +0.607%. |  |  |
| 51152669 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed TRID Disclosure Delivery Date Validation Test due to initial closing disclosure delivery date is on initial loan estimate delivery date. |  |  |
| 51152669 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the loan failed the 3-day CD waiting period. Further details not provided. Infinity compliance result shows the loan failed the TRID delivery and timing test. |  |  |
| 85199302 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 8.931% exceeds APR threshold of 8.270% over by +0.661%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 8.907% exceeds APR threshold of 8.270% over by +0.637%. Subject loan is escrowed. |  |  |
| 85199302 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 85199302 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed Qualified Mortgage Lending Policy points and fees test due to Fees charged $9,745.00 exceeds fees threshold of $7,126.67 over by +$2,618.33.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $5,000.00<br> Points - Loan Discount Fee paid by Borrower: $2,500.00<br> Underwriting Fee paid by Borrower: $1,995.00. |  |  |
| 85199302 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows LE and CD was issued on the same date. Infinity compliance result shows the loan failed the TRID delivery and timing test as the initial LE and CD were delivered on the same date. |  |  |
| 85199302 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,745.00 exceeds fees threshold of $7,126.67 over by +$2,618.33.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $5,000.00<br> Points - Loan Discount Fee paid by Borrower: $2,500.00<br> Underwriting Fee paid by Borrower: $1,995.00. |  |  |
| 32950271 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $25,963.50 exceeds fees threshold of $24,845.93 over by +$1,117.57.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $12,937.50<br> Points - Loan Discount Fee paid by Borrower: $10,781.00<br> Underwriting Fee paid by Borrower: $1,995.00.<br>Loan failed Qualified Mortgage APR threshold test due to APR calculated 10.787% exceeds APR threshold of 9.350% over by +1.437%. |  |  |
| 32950271 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 32950271 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Loan program disclosure missing or unexecuted (Lvl 3) | ARM loan program disclosure is missing from the loan documents. |  |  |
| 32950271 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 9.321% exceeds APR threshold of 8.600% over by +0.721%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed the CA AB 260 higher-priced mortgage loan test due to an APR calculated at 9.321% exceeds APR threshold of 8.600% over by +0.721%. The subject loan is escrowed. <br>Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 10.787% exceeds APR threshold of 8.600% over by +2.187%. Subject loan is escrowed. |  |  |
| 32950271 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the ARM disclosure was not provided. Review of the loan files shows ARM disclosure is missing from the loan documents. Further details are not provided. |  |  |
| 32950271 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $25,963.50 exceeds fees threshold of $24,845.93 over by +$1,117.57.<br> The below fees were included in the test:<br> Appraisal Review Fee paid by Borrower: $150.00<br> Document Preparation Fee paid by Borrower: $100.00<br> Mortgage Broker Fee paid by Borrower: $12,937.50<br> Points - Loan Discount Fee paid by Borrower: $10,781.00<br> Underwriting Fee paid by Borrower: $1,995.00.<br>Loan failed GSE (Fannie Mae public guidelines) QM APR threshold test due to APR calculated 10.787% exceeds APR threshold of 9.350% over by +1.437%. Subject loan is escrowed.<br>This loan failed the GSE (Freddie Mac public guidelines) HPML loan type test due to the loan 7/1 or 10/1 ARMs, or 7/6-month or 10/6-month ARMs. |  |  |
| 15774298 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject property is a coop, and the BWR's EAD status of CO8 status is not allowed. The C08 code indicates that the individual has a pending application for asylum. BWR is a non-permanent resident alien. Further details not provided. |  |  |
| 15774298 | xx | xx | xx | 3c65f5f0-7184-4874-ba34-91814b7de42d | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Legal Docs | Active | 3: Curable | \* Type of Ownership is Leasehold or Cooperative (Lvl 3) | The property is a unit in a cooperative. The subject leasehold agreement is located at xx, and the leasehold term expires on xx/xx/2059, and the mortgage matures on xx/xx/2054. Elevated for client review. |  |  |
| 32939093 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as is, and the photo addendum reflects the missing portion of flooring in the kitchen. The estimated cost to cure is not available in the loan file. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 32939093 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape and appraisal report show the property appraised as a two-unit property that actually is an SFR with an ADU. Further details are not provided. xx search shows an estimated value of $xx. Current UPB $xx. |  |  |
| 14131566 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. <br> Loan estimate dated 11/xx/2023 does not reflect Rate Lock extension. CD dated 12/xx/2023 reflects Rate Lock extension at $448.63.<br> Loan estimate dated 11/xx/2023 does not reflect Appraisal Re-Inspection Fee. CD dated 12/xx/2023 reflects Appraisal Re-Inspection Fee at $200.00.<br> Loan estimate dated 11/xx/2023 reflects Appraisal Fee at $550.00. CD dated 12/xx/2023 reflects Appraisal Fee at $650.00.<br> This is a cumulative increase in fee of $748.63 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired. |  |  |
| 14131566 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #3 with a sales price of $xx, is closest to the subject property, valued at $xx. xx search shows an estimated value of $xx. Current UPB is $xx. |  |  |
| 14131566 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 14131566 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 419450 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows undisclosed debt. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been SE for 3.25 years at xx, FICO 714, 0X30 since inception, $xxK equity in the subject and $2,056 residual income. |  |  |
| 419450 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 4/xx/2024 reflects cash to in the amount of $907.56. |  |  |
| 419450 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 419450 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,542.75 exceed fees threshold of $7,843.72 over by +$1,699.03. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,852.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 419450 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $9,542.75 exceed fees threshold of $7,843.72 over by +$1,699.03. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $7,852.75<br> Processing Fee paid by Borrower: $695.00<br> Underwriting Fee paid by Borrower: $995.00. |  |  |
| 15838732 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $494,942.11. Calculated finance charge is $508,205.31 for an under disclosed amount of -$13,263.20.<br>Loan failed TILA APR test due to APR calculated 6.091% exceeds APR threshold 6.239% over by -0.148%.<br>This loan failed TRID total of payments test due to charge $937,152.11 allow $950,326.31 less by -$13,174.20. |  |  |
| 15838732 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | \* Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. |  |  |
| 15838732 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | \* Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. |  |  |
| 15838732 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial LE (Lvl 3) | Initial LE is missing from the loan documents. |  |  |
| 15838732 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. |  |  |
| 15838732 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. |  |  |
| 15838732 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to Initial LE and Initial CD are missing from loan documents. |  |  |
| 15838732 | xx | xx | xx | 8422c6cc-4447-4f95-a328-2a159c966e2d | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | \* Condo / PUD rider Missing (Lvl 3) | Appraisal shows subject property type is PUD. PUD rider is missing from the loan documents. |  |  |
| 15838732 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show MI disclosed a term of 5 years and it was supposed to be 30 years. MI certificate is missing from the loan file. Further details not provided. |  |  |
| 56701866 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 10.214% exceeding the APR threshold of 8.570% by +1.644%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 56701866 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 56701866 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is HPML and the 3-day appraisal timing requirement not met as the appraisal report was not delivered 3 business days prior to the closing date. BWR received appraisal on xx/xx/25 and loan closed on xx/xx/25. xx shows an estimated value of $xx. Current UPB $xx. |  |  |
| 11856320 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR started the new job on xx/xx/2024 as an xx Previously, BWR had 6.08 years on the job as a xx, FICO 783, 0X30 since inception, $xxK equity in the subject and $5,155 residual income.<br>Downgraded to LVL2 as per PH. |  |  |
| 32901938 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.869% exceeds APR threshold of 7.860% over by +0.009%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d).<br>Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.869% exceeds APR threshold of 7.860% over by +0.009%. Subject loan is escrowed. |  |  |
| 32901938 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan file. |  |  |
| 32901938 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation disclosure is missing from the loan documents. |  |  |
| 32901938 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $340,320.03. Calculated finance charge is $340,949.46 for an under disclosed amount of -$629.43.<br>Loan failed TILA foreclosure rescission test. Finance charge disclosed on final CD as $340,320.03. Calculated finance charge is $340,914.46 for an under disclosed amount of -$594.43. |  |  |
| 32901938 | xx | xx | xx | 39b19bb5-d9b7-42e5-9419-57cad9e7f5c9 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Fair Market Value of Homestead Property Acknowledgment is missing from the loan file (Lvl 3) | Fair market value of homestead property acknowledgment disclosure is missing from the loan documents. Appraisal is in file to calculate LTV. |  |  |
| 32901938 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,588.00 exceeds fees threshold of $6,353.45 over by +$234.55. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,143.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $770.00<br>Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $6,588.00 exceeds fees threshold of $6,353.45 over by +$234.55. <br> The following fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $5,143.00<br> Processing Fee paid by Borrower: $675.00<br> Underwriting Fee paid by Borrower: $770.00 |  |  |
| 32901938 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| 32901938 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan cannot be manually UW as the BWRs FICO score of 638 is less than the minimum required score of 640 and the loan is not salable to Freddie Mac as LPA was not run prior to closing. Further details not provided. |  |  |
| 83370889 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 83370889 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows an undisclosed IRS debt with a monthly payment of $220. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 3 years on the job as a xx, FICO 792, 0X30 since inception, $xx equity in the subject and $6,560 residual income. |  |  |
| 83370889 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 02/xx/2024 reflects Points - Loan Discount Fee at $557.00. CD dated 02/xx/2024 reflects Points - Loan Discount Fee at $3,327.00. This is an increase in fee of +$2,770.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/2024 and the 1-year SOL has expired. |  |  |
| 75159358 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 12/xx/2024 reflect Loan Origination Fee at $300.00. Final CD dated 01/xx/2025 reflects Loan Origination Fee at $500.00. This is an increase in fee of +$200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active. |  |  |
| 75159358 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 75159358 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 75159358 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and infinity compliance result shows the loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period as the APR became inaccurate. |  |  |
| 75159358 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6777251 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 6777251 | xx | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | \* Revised Loan Estimate is missing (Lvl 3) | Revised loan estimate is missing from the loan documents and document tracker is available at Pg#xx. |  |  |
| 6777251 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows AUS was invalidated as scores from 2 credit bureaus were frozen in the updated credit report. Further details not provided. |  |  |
| 6777251 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB $xxK. |  |  |
| 52508670 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 11/xx/2024 reflects the sum of Section C fees and Recording fee at $2,099.33. Final CD dated 12/xx/2024 reflects the sum of Section C and Recording fee at $2,334.53. This is a cumulative increase of $25.27 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase, originated on xx/xx/2024 and the 3-year SOL is active. |  |  |
| 52508670 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows BWRS net worth of $xxK exceeds the guideline limit of more than xx% of the sales price and is not eligible for a VA grant DPA used on the subject loan. Further details not provided. |  |  |
| 52508670 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 52508670 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 76776468 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows two undisclosed installment debts with a total monthly payment of $3,859 were opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 1 month on the new job as an xx, FICO 727, 2X30 in last 24 months, $xxK equity in the subject and $1,800 residual income. |  |  |
| 76776468 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx and total expenses are in the amount of $5,638.44. The loan was underwritten by LP (Locator# xx), and its recommendation is Accept with a DTI of xx%. |  |  |
| 76776468 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the borrower was approved for a Forbearance plan from xx/2021-xx/2022 and the deferral was applied in the amount of $xx to bring loan current. Second forbearance plan from xx/2022-xx/2023. |  |  |
| 58178424 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $645,296.39. Calculated finance charge is $645,501.14 for an under disclosed amount of -$204.75. Subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1 year. |  |  |
| 58178424 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 12/xx/2024 does not reflect Lock Extension Fee. CD dated 1/xx/2025 reflects Lock Extension Fee at $976.00. This is an increase in fee of +$976.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2025 and the SOL is 1 year. |  |  |
| 58178424 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the homebuyer education course was not completed by the borrower prior to closing. Further details not provided. |  |  |
| 58178424 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 58178424 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 28679382 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii)) The revised closing disclosure delivery requires a new waiting period and The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is greater than six business days.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 28679382 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | As per the tape and Infinity compliance result, the loan fails the revised closing disclosure delivery date test as the APR became inaccurate, and changes before consummation require a new waiting period. |  |  |
| 28679382 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 23420305 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 23420305 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO due to occupancy misrepresentation as BWR continued to occupy the REO property, causing the lender to omit BWR's primary housing expense. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has 1.58 years on the job as an xx, BWR2 has 1.91 years on the job as an xx, FICO 794, 0X30 since inception, $21K equity in the subject, and $1,232 residual income. |  |  |
| 23420305 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 03/xx/2023 reflects Points - Loan Discount Fee at $3,666.00. CD dated 03/xx/2023 reflects Points - Loan Discount Fee at $8,192.51. This is an increase in fee of +$4,526.51. for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. <br>The subject loan is a purchase, originated on xx/xx/2023 and the 1-year SOL has expired. |  |  |
| 23420305 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Data Edit | Active | 4: Unacceptable | \* Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR continued to occupy the REO property. Further details not provided. Elevated for client review. |  |  |
| 30559191 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at 48.71%. Tape shows revised DTI of xx% exceeded the DTI limit of xx% for jumbo loan program. Further details not provided. Lender defect. The subject loan originated on xx/xx/2025, and the 3-year SOL is active. BWR has been SE for 12.58 years at xx. BWR2 has 12.16 years on the job as a xx, FICO 723, 0X30 since inception, $xxK equity in the subject, and $xxK residual income. |  |  |
| 30559191 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 74779343 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | A xx search shows the subject is a farmhouse on xx, and they have summer festivals, music venues, and activities on the adjacent land. Further details not provided. xx search property estimated value of $xxK. Current UPB: $xxK. |  |  |
| 74779343 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is, and the photos addendum reflects that the basement is damp and dripping with oil. 1004D, or the inspection report by a licensed professional, verifying if the oil spilling is a safety issue and affecting structural integrity, is missing from the loan documents. The final CD does not reflect any escrow holdback. |  |  |
| 27873244 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx and total expenses are in the amount of $1,604.48 and the loan was underwritten by DU (Locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%. |  |  |
| 27873244 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the P&L statement used was incorrect. Further details not provided. BWR defect. The subject loan originated on xx/xx/2020, and the 3-year SOL is expired. BWR 2 has been SE for 14 years at xx, FICO 684, and $xxK equity in the subject. |  |  |
| 27873244 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing from the loan documents. |  |  |
| 27873244 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 27873244 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 27873244 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 27873244 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. |  |  |
| 12551708 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | Tape shows the subject property does not meet FNMA guidelines for SFR property with an ADU, as the subject property is an SFR with two ADUs. One ADU consisting of 2 bedrooms and 2 baths and another studio ADU consisting of one bathroom with a fully functioning kitchen. The comps selected are not similar, and the appraiser used large adjustments. The appraisal report is missing from the loan documents. xx search shows an estimated value of $xxK. Current UPB $xxK. |  |  |
| 19642333 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 1/xx/2024 reflects points - loan discount fee at $1,180.00. Final CD dated 2/xx/2024 reflects points - loan discount fee at $1,235.68. This is an increase in fee of $55.68 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is expired. |  |  |
| 19642333 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19642333 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 19642333 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed the Kansas license validation test. |  |  |
| 19642333 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape and appraisal report show that an inspection for mold/mildew and foundation due to dampness by a licensed professional was required, and an inspection report verifying completion of mold remediation treatment is available. The foundation inspection report recommended certain remedies required to fix the dampness in the basement. 1004D, or the final inspection verifying completion of remedies suggested for the dampness issue in the basement, is missing from the loan file. The estimated amount of repairs is not available. The final CD does not reflect the escrow holdback. |  |  |
| 31981335 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan file. |  |  |
| 31981335 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Qualified Mortgage DTI exceeds 43% (Lvl 2) | The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrowers' income is $xx and total expenses are in the amount of $3,425.10, and the loan was underwritten by DU (Locator# xx), and its recommendation is 'Approve/eligible' with a DTI of xx%. The subject loan was originated on xx/xx/2021, and the 3-year SOL is expired. |  |  |
| 31981335 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Kansas license validation test. |  |  |
| 31981335 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR2 income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR1 has 13.75 years on the job as a xx; BWR2 has 5.75 years as an xx, FICO 723, $98K equity in the subject and $3,384 residual income. |  |  |
| 31981335 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 10/xx/2021. The initial CD dated 10/xx/2021 reflects a lender credit of $479.22. The final CD dated 10/xx/2021 reflects a lender credit of $477.05. This is a decrease of $2.17 for a fee that has a 0% tolerance test. The subject loan is a refinance, originated on xx/xx/2021, and the SOL is 3 years. |  |  |
| 92790877 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows a TRID violation as the 3-day waiting period between the initial CD and the final CD was not met. Infinity did not perform the regulatory compliance test as the subject loan is NOO. |  |  |
| 7207573 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 7207573 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated 3/xx/2024 reflects cash to in the amount of $1,462.23. |  |  |
| 7207573 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. |  |  |
| 7207573 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. |  |  |
| 7207573 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows subject is uninsured by VA as the loan amount was $1.00 less than the required loan amount to activate additional entitlement. Further details not provided. |  |  |
| 7207573 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. |  |  |
| 7207573 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is subject to completion of repairs to damaged wood trim of the front upper window, 2nd floor entry door, and garage door trim. The estimated cost to cure is $xx. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 86998967 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.650% exceeding the APR threshold of 7.600% by +0.050%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d).<br>Loan failed the MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 7.650% exceeding the APR threshold of 7.600% by +0.050%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 86998967 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | \* Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated 10/xx/2024 reflects cash to be in the amount of $1,485.26. |  |  |
| 86998967 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape and infinity compliance report shows loan failed HPML test. The subject loan is escrowed. |  |  |
| 86998967 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81666721 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 10/xx/2024 reflects Points - Loan Discount Fee at $2,770.00. CD dated 10/xx/2024 reflects Points - Loan Discount Fee at $5,134.29. This is an increase in fee of +$2,364.29 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br>Subject loan is a purchase, originated on xx/xx/2024 and the SOL is 1 year. |  |  |
| 81666721 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2024. Note date is xx/xx/2024. |  |  |
| 81666721 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and file show MIP was disclosed incorrectly for only 11 years at origination on LE and CD instead of being disclosed for the life of loan. Further details not provided. |  |  |
| 81666721 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 81666721 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 81666721 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 41735239 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows MassHousing HFA program, not purchased by MassHFA because of borrower delinquency. See delinquency column S. Borrower has given no reason for default. He states he will be paying. Further details were not provided. |  |  |
| 41735239 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date 12/xx/2024 is more than 60 calendar days after the consummation date 10/xx/2024. |  |  |
| 41735239 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 2922766 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | The tape shows EPD. As per the PH as of xx/xx/2025, the BWR is current with the loan, and the next due date is xx/xx/2025. The current UPB is $xx. |  |  |
| 49417057 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows the lender did not include xx% of the remaining balance of the collection account of $xx in DTI calculations. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 4.75 years on the job as a xx; BWR2 receives monthly distribution income from a xxK account, FICO 720, 0X30 since inception, $73K equity in the subject, and $7,552 residual income. Review shows ATR confirmed. |  |  |
| 67407835 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 67407835 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 10/xx/2023 does not reflect Appraisal Re-Inspection Fee. Final CD dated 1/xx/2024 reflectsAppraisal Re-Inspection Fee at $373.74. This is an increase in fee of +$373.74 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.<br> The subject loan is a purchase case, originated on xx/xx/2024, and the 1-year SOL is expired. |  |  |
| 67407835 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Seller tape defect shows due for 12/xx/24, workout modification in process. According to the payment history as of xx/xx/2025, the borrower is currently 2 months delinquent with the loan, and the next due date is xx/xx/2025. The current UPB is $xx. The loan was modified on xx/xx/2025. |  |  |
| 69758491 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows the lender did not include primary housing expense in the DTI calculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/2021, and the 3-year SOL has expired. BWR has 3 years on the job as a xx, FICO 638, and $xxK equity in the subject. |  |  |
| 69758491 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is, and the supplemental/photo addendum shows the subject property has multiple repairs with a cost to cure of $xxK. 1004D is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. |  |  |
| 1336752 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 4.175% exceeds APR threshold of 4.100% over by +0.075%. Subject loan is escrowed. |  |  |
| 1336752 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Loan is closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. xx search shows an estimated value at $xxK. Current UPB is $xxK. |  |  |
| 1336752 | xx | xx | xx | bb1c1688-1548-4cc5-bf6e-71a3be761d91 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | \* Balloon Rider Missing (Lvl 3) | Balloon rider is missing from the loan documents. |  |  |
| 1336752 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | This loan failed the amortization test due to the loan has a date creditor received application after January 10, 2014 and the loan is not fully amortizing.<br>This loan failed the balloon payment test due to the loan provides for a balloon payment. Freddie Mac will no longer purchase balloon/reset mortgages.<br>This loan failed the qualified mortgage balloon payment test due to a qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment. This loan has a balloon payment. |  |  |
| 1336752 | xx | xx | xx | b82548b9-9cdc-4657-baa9-e6e5c8ea9071 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Required Documentation Missing (Lvl 2) | Loan approval is missing from the loan documents. |  |  |
| 1336752 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | Subject loan closed without appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents. |  |  |
| 1336752 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 4.197% exceeds APR threshold of 4.100% over by +0.097%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). |  |  |
| 1336752 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape and review of the loan file show the subject is a 5-year balloon loan and the seller is looking to sell. Further details not provided. |  |  |
| 47503916 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 10/xx/2023 reflects Points - Loan Discount Fee at $1,585.00, CD dated 10/xx/2023 reflects Points - Loan Discount Fee at $1,595.55. This is an increase in fee of +$10.55 for charges that cannot increase. Subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 47503916 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape and appraisal show special assessment of $72 per month was not verified and not included in the DTI. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR received social security income. FICO 810, $30K equity in the subject, and $4,596 residual income. Review shows ATR confirmed. |  |  |
| 47503916 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 47503916 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) points and fees test due to Fees charged $3,585.55 exceeds fees threshold of $2,526.65 over by +$1,058.90.<br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,595.55<br> Processing Fee paid by Borrower: $295.00<br> Underwriting Fee paid by Borrower: $1,695.00 |  |  |
| 47503916 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 47503916 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $3,585.55 exceed Fees threshold of $2,526.65 over by +$1,058.90. <br> The below fees were included in the test:<br> Points - Loan Discount Fee paid by Borrower: $1,595.55<br> Processing Fee paid by Borrower: $295.00<br> Underwriting Fee paid by Borrower: $1,695.00 |  |  |
| 40200834 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows a defect: the home is in foreclosure. There is no foreclosure activity found in the loan file. Further details are not available. |  |  |
| 40200834 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. |  |  |
| 40200834 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated 4/xx/2024. Initial LE dated 2/xx/2024 reflects Lender Credit at $2,000.00. Final CD dated 4/xx/2024 reflects Lender Credit at $0.00. This is decrease of $2,000.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2024 and the SOL is 3 year. |  |  |
| 40200834 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape and review show subject is a refinance of the tax redemption of the prior FC. Lender defect. Subject loan originated xx/xx/24 and the 3 year SOL is active. BWR is employed with xx for 5 years. FICO 649. $55K equity in the subject and $1,291 residual income. |  |  |
| 26383609 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR receives no continued income after military service. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 20.25 years on the job as a xx, FICO 764, 0X30 since inception, and $7K equity in the subject. Review shows BWR is active military and will receive a pension upon leaving the service. ATR confirmed. |  |  |
| 26383609 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 26383609 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | 561 | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 3: Curable | \* Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at xx, the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at xx state that the manufactured home with serial # xx has been affixed to the permanent foundation. The short form title policy schedule B located at xx TP shows an exception for the affidavit of affixture of mobile home. |  |  |
| 4334042 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | \* ROR not hand dated by borrower(s) (Lvl 3) | ROR is not hand dated by borrower. |  |  |
| 4334042 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows tip income used to qualify is not supported with prior receipt history. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 1 year on the job at xx. Previously, BWR was an SE at xx for 23.58 years, FICO 797, 0X30 since inception, $xx equity in the subject, and $1,062 residual income. |  |  |
| 44595560 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed mortgage debt opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 42.08 years on the job as a xx, FICO 683, $xx equity in the subject, and $573 residual income. |  |  |
| 44595560 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. |  |  |
| 44595560 | xx | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents are missing from the loan documents. |  |  |
| 44595560 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. |  |  |
| 44595560 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 12/xx/2023 does not reflect Points - Loan Discount Fee. Final, CD dated 1/xx/2024 reflects Points - Loan Discount Fee at $1,139.00. This is an increase in fee of $1,139.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/2024 and the SOL is 3 years. |  |  |
| 55366322 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $202,172.77. Calculated finance charge is $206,433.53 for an under disclosed amount of -$4,260.76. The subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. Loan failed TILA APR test due to APR calculated 7.144% exceeds APR threshold 7.446% over by -0.302%. The subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 55366322 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 55366322 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Compliance Testing (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. |  |  |
| 55366322 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 55366322 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than 10% tolerance test. CD dated 12/xx/2023 reflects Walls In Insurance Fee at $1,167.00. This is a cumulative increase of $1167.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/2023 and the SOL is 1 year. |  |  |
| 55366322 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows lender did not establish stability of SE income. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2023, and the 3-year SOL is active. BWR1 has been an SE for 3 years at xx; BWR2 has 19.66 years on the job as a xx; BWR3 has 1 year on the job as a xx, FICO 740, $17K equity in the subject, and $1,143 residual income. |  |  |
| 80794033 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. |  |  |
| 80794033 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet GNMA seasoning period requirements. Further details not provided. |  |  |
| 22964226 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. |  |  |
| 22964226 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on initial CD dated 11/xx/2024. Initial LE dated 9/xx/2024 reflects lender credit at $2,903.00. Final CD dated 11/xx/2024 reflects lender credit at $943.00. This is decrease of $1,960.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. <br> The subject loan is a refinance case, originated on xx/xx/2024, and the 3-year SOL is active. |  |  |
| 22964226 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. A xx search shows an estimated value of $xx. Current UPB is $xxK. |  |  |
| 22964226 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows an SE income miscalculation as the lender did not consider the loss in business reflected on recent-year tax returns. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR is self-employed and has been running multiple businesses for 17 years. BWR2 is self-employed and has been running multiple businesses for 4.4 years, FICO 753, 0X30. |  |  |
| 59994689 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows BWR was not employed prior to closing and is now retired. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR1 has 29.91 years on the job as a xx. BWR2 has 19.33 years on the job as an xx, FICO 785, 0X30 since inception, and $xx equity in the subject. |  |  |
| 90084539 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as NOO at xx%. Tape shows rental income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR has 5.25 years on the job as an xx, FICO 751, 0X30 since inception, $60K equity in the subject, and $3,491 residual income.<br>Downgraded to LVL2 as per PH. |  |  |
| 53933606 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) due to an APR calculated at 9.426% exceeding the APR threshold of 8.300% by +1.126%. The subject loan is escrowed. This loan is compliant with regulations 1026.35(b), (c), and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.374% exceeds APR threshold of 8.300% over by +1.074%. |  |  |
| 53933606 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed GSE (Fannie Mae public guidelines) QM APR Threshold Test due to APR calculated at 9.374% exceeds APR threshold of 9.050% over by +0.324%.<br>Loan failed Qualified Mortgage APR Threshold Test due to APR calculated at 9.374% exceeds APR threshold of 9.050% over by +0.324%. |  |  |
| 53933606 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | Tape shows disclosed APR exceeds the APOR by 2.25%. Further details not provided. Infinity compliance result shows the loan failed the HPML and QM APR threshold test. |  |  |
| 80463158 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | 561 | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 3: Curable | \* Property Marketability Issues (Lvl 3) | The tape shows the appraised value is not supported due to appraisal adjustments. The appraiser used large adjustments to arrive at an appraised value of $xxK. Comp #2, with a sales price of $xxK, is closest to the subject property. xx search shows an estimated value of $xxK. The current UPB is $xxK. |  |  |
| 71900439 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase 0% tolerance test. Initial LE dated 1/xx/2025 does not reflect Appraisal Fee. Final CD dated 3/xx/2025 reflects Appraisal Fee at $450.00. This is an increase fee in the amount of +$450.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active.<br>TRID Violation due to decrease in lender credit on revised CD. Initial CD dated 2/xx/2025 reflects Lender credits at $4,398.75. Revised CD dated 3/xx/2025 reflects Lender credits at $4,016.25. This is a decrease of $382.50 for a fee which has 0% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a refinance case, originated on xx/xx/2025, and the 3-year SOL is active. |  |  |
| 71900439 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,520.00 exceeds fees threshold of $4,387.87 over by +$1,132.13.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,695.00<br> Mortgage Broker Fee paid by Borrower: $3,825.00. |  |  |
| 71900439 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* Compliance Testing (Lvl 3) | The tape shows the subject is an HPML loan, and a full appraisal with interior and exterior inspection was not documented on the loan. Infinity compliance report shows the subject loan passed the HPML test, and an exterior-only appraisal report is available in the file. The subject is second lien, and the first lien is escrowed. Further details not provided. xx search shows an estimated value of $xxK. Current UPB is $xxK. |  |  |
| 71900439 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 71900439 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* LE/CD Issue date test Fail (Lvl 3) | Loan failed ComplianceEase delivery and timing tests for the revised CD dated 3/xx/2025. The document tracker is missing, and 3 business days were added to get the receipt date of 3/xx/2025, which is after the consummation date of 3/xx/2025. |  |  |
| 71900439 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | 561 | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed qualified mortgage lending policy points and fees test due to fees charged $5,520.00 exceeds fees threshold of $4,387.87 over by +$1,132.13.<br> The below fees were included in the test:<br> Loan Origination Fee paid by Borrower: $1,695.00<br> Mortgage Broker Fee paid by Borrower: $3,825.00. |  |  |
| 15893415 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 1: Acceptable | \* Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020. |  |  |
| 15893415 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 15893415 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%.Tape shows questionable income and lender did not verify BWR was SE. Further details not provided. Lender defect. The subject loan originated on xx/xx/2020, and the 3-year SOL is expired. BWR has 7 months on the job as a xx with xx Additionally, BWR has 1.41 years on the job as a xx with xx., 0X30 last 24 months, FICO 677, and $xxK equity in the subject. |  |  |
| 15893415 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/2020, and the 1-year SOL is expired. |  |  |
| 15893415 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a) (1)) due to an APR calculated at 5.029% exceeds APR threshold of 4.590% over by +0.439%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c) and (d). <br>Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.029% exceeds APR threshold of 4.590% over by +0.439%. Subject loan is escrowed. |  |  |
| 15893415 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. |  |  |
| 15893415 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the wire was received on xx/xx/2025 and needs full PH and CC for March 25. The PH is available until xx/xx/2025, and the CC is missing for March 25. Further details not provided. |  |  |
| 88745236 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental and SE income miscalculation. Further details not provided. Revised DTI xx%. Lender defect. The subject loan was originated on xx/xx/2024, and the 3-year SOL is active. BWR 1 has been an SE for 6.33 years at xx, with a FICO 722, $60K equity in the subject, 0X30 since inception and $8,125 residual income. |  |  |
| 88745236 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (12 CFR § 1026.35(a)(1)) because an APR calculated at 8.218% exceeds the APR threshold of 8.210% by +0.008%. The subject loan is escrowed. This loan is compliant with regulation 1026.35(b), (c), and (d). |  |  |
| 88745236 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase 0% tolerance test. The loan estimate dated 3/xx/2024 does not reflect the credit tech and verification fee. The CD dated 4/xx/2024 reflects a credit tech and verification fee of $50.00. This is an increase in the fee of $50.00 for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/2024, and the 1-year SOL has expired. |  |  |
| 88745236 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |  |  |
| 88745236 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Underwriting | Active | 3: Curable | \* Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. |  |  |
| 88745236 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 62577219 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR had undisclosed debt. Revised DTI isxx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 22.58 years on the job as a xx, a FICO score of 703, 0X30 since inception, $xx equity in the subject, and $4,024 residual income. |  |  |
| 62577219 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 19253324 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows PITI miscalculation of a HELOC loan. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR1 receives social security and retirement income; BWR2 receives social security income, FICO 792, 0X30 since inception, and $xx equity in the subject. $4205 residual income. |  |  |
| 20162960 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | \* Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 20162960 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Cash out purchase (Lvl 3) | The subject loan is a purchase case. The final CD, dated 1/xx/2025, reflects cash in the amount of $169.35. |  |  |
| 20162960 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Doc Issue | Active | 3: Curable | \* MI, FHA or MIC missing and required (Lvl 3) | The VA Guaranty certificate is missing from the loan documents. |  |  |
| 20162960 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | 561 | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | \* Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is non-saleable due to insufficient entitlement for VA guaranty. Further details are not provided. |  |  |
| 56192856 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not include taxes and insurance for the primary residence in the DTI calculation. Revised DTI at xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has 10.66 years on the job as a xx, FICO 756, $xx equity in the subject, 0X30 since inception and $6,715 residual income. |  |  |
| 27631483 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Valuation | Doc Issue | Active | 3: Curable | \* Missing Appraisal (Lvl 3) | The appraisal is missing from the loan documents. A xx search shows an estimated amount of $xxK. The current UPB is $xxK. |  |  |
| 27631483 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with itemization of fees and the estimated HUD-1, is missing from the loan documents. |  |  |
| 27631483 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. |  |  |
| 40716085 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. |  |  |
| 40716085 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. xx search shows an estimated value at $xx. Current UPB is $xx. |  |  |
| 40716085 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 40716085 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. |  |  |
| 40716085 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Credit | Credit | Active | 2: Acceptable with Warnings | \* Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. |  |  |
| 40716085 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | Credit report is missing from the loan documents. |  |  |
| 40716085 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | 561 | xx | xx | Pre-QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | \* HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-1, along with the itemization of fees and the estimated HUD-1, is missing from the loan documents. |  |  |
| 41207370 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. |  |  |
| 41207370 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | \* Missing credit report (Lvl 2) | The credit report is missing from the loan documents. |  |  |
| 41207370 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | \* Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. |  |  |
| 41207370 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. |  |  |
| 41207370 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test.<br> The annual percentage rate (APR) is 10.977%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.<br>This loan failed the TILA right of rescission test.<br> The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by or delivery of all material disclosures, whichever occurs last. |  |  |
| 41207370 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.<br>This loan failed the prepayment term test.<br> The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  |
| 41207370 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. |  |  |
| 41207370 | xx | xx | xx | 947c9bc1-4551-4c18-8ba6-065e2ae0e805 | 561 | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Note has LIBOR Index with Replacement Clause (Lvl 2) | The note states, if the index is no longer available, the note holder will choose a new index that is based upon comparable information. The note holder will give notice of this choice. |  |  |
| 97617154 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. |  |  |
| 97617154 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* ComplianceEase TILA Test Failed (Lvl 3) | TRID total of payment disclosed on final CD as $614,380.06. Calculated total of payments is $615,401.07 for an under disclosed amount of -$1,021.01. The disclosed total of payments of $614,380.06 is not considered accurate because it is understated by more than $100. Subject loan is a purchase case originated on xx and the 1-year SOL is active. |  |  |
| 97617154 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender did not document the payment plan for IRS debt. The file shows a monthly payment of $xx towards an IRS debt balance of $93K included in DTI calculations. Lender defect. The subject loan originated on xx/xx/2024, and the 3-year SOL is active. BWR has been an SE as a xx for 4.66 years and at xx for 36.16 years, FICO 763, 0X30 since inception, and $1,573 equity in the subject. Review shows ATR confirmed, DTI includes the monthly IRS payment. |  |  |
| 97617154 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | \* Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. |  |  |
| 97617154 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. |  |  |
| 97617154 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | 561 | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | \* Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** | **Payment History Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Redacted ID** | **Loan #1** | **Loan #2** | **Pool** | **Borrower Last Name** | **Borrower First Name** | **Co-Borrower Last Name** | **Co-Borrower First Name** | **Address** | **City** | **State** | **Zip** | **Current UPB Per Pay Hist** | **Stated Current Rate** | **Current PI** | **Current PITI** | **Payment History As Of Date** | **Next Due Date per Payment History** | **Mos Curr Delinq per Pay History** | **Payment History Comments** | **6/2023** | **7/2023** | **8/2023** | **9/2023** | **10/2023** | **11/2023** | **12/2023** | **1/2024** | **2/2024** | **3/2024** | **4/2024** | **5/2024** | **6/2024** | **7/2024** | **8/2024** | **9/2024** | **10/2024** | **11/2024** | **12/2024** | **1/2025** | **2/2025** | **3/2025** | **4/2025** | **5/2025** | **Payment History String** | **Payment History String Reversed** | **Last Payment Received Date** | **Months** | **Amount** | **Cash Velocity** | **3 mos Cash Velocity** | **6 mos Cash Velocity** | **12 mos Cash Velocity** | **Avg Cash** | **Total Cash** |
| 82386615 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $531967.11 | 10.500% | $4875.98 | $6059.87 | 2024-08-23 | 2023-07-01 | 13 | According to the payment history as of xx/xx/2024, the borrower is currently 13 months delinquent with the loan, and the next due date is xx/xx/2023. The last payment was received on xx/xx/2023 in the amount of $6,059.87 which was applied for the due date of xx/xx/2023. The current monthly P&I is $4,875.98 with an interest rate of 10.500%. The current UPB reflected as per the payment history is xx | $6059.87 | $6059.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444432111100 | 001111234444444444 | 2023-07-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $6059.87000<br> $6059.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 0.000% | $504.99 | $12119.74 |
| 19046639 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $584009.04 | 6.490% | $3701.01 | $4559.54 | 2024-08-21 | 2023-12-01 | 8 | According to the payment history as of xx/xx/2024, the borrower is currently 08 months delinquent with the loan, and the next due date is xx/xx/2023. The last payment was received on xx/xx/2024 in the amount of $4,559.54 which was applied for the due date of xx/xx/2023. The current monthly P&I is $3,701.01 with an interest rate of 6.490%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $4559.54 | $4559.54 | $0.00 | $4560.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4559.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4444444321100 | 0011234444444 | 2024-07-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $4559.54000<br> $4559.54000<br> $0.00000<br> $4560.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4559.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 8.300% | $759.94 | $18238.62 |
| 70508301 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $664204.75 | 3.125% | $3113.22 | $4551.36 | 2024-09-03 | 2024-10-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,551.36 (PITI), which was applied to the due date of xx/xx/2024. The current P&I is $3,113.22 and the interest rate is 3.125%. The current UPB reflected as per payment history is xx | $4165.79 | $4165.79 | $4165.79 | $4165.79 | $5653.59 | $0.00 | $11307.18 | $5653.59 | $5653.59 | $4551.36 | $4551.36 | $4551.36 | $4551.36 | $4551.36 | $4551.36 | $4551.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000010000000000000 | 000000000000010000000000 | 2024-09-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4165.79000<br> $4165.79000<br> $4165.79000<br> $4165.79000<br> $5653.59000<br> $0.00000<br> $11307.18000<br> $5653.59000<br> $5653.59000<br> $4551.36000<br> $4551.36000<br> $4551.36000<br> $4551.36000<br> $4551.36000<br> $4551.36000<br> $4551.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.300% | 0.000% | 0.000% | 33.300% | $3199.61 | $76790.63 |
| 4485917 | xx | xx | XX | xx | xx |  |  | xx | xx | Rhode Island | xx | $215291.21 | 4.000% | $1117.15 | $1895.95 | 2024-09-11 | 2024-10-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,895.95 which was applied to the due date of xx/xx/2024. The unpaid principal balance is $215,291.21. The current P&I is xx and the interest rate is 4.000%. | $1614.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $27370.41 | $1895.95 | $1895.95 | $1895.95 | $1895.95 | $1895.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000044444444444321021 | 120123444444444440000000 | 2024-08-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1614.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $27370.41000<br> $1895.95000<br> $1895.95000<br> $1895.95000<br> $1895.95000<br> $1895.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.500% | 0.000% | 0.000% | 25.000% | $1602.68 | $38464.23 |
| 96449461 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $152368.36 | 9.500% | $1284.40 | $1594.42 | 2024-09-25 | 2020-04-01 | 53 | According to the latest payment history as of xx/xx/2024, the borrower has been currently delinquent for 53 months and the next due date is xx/xx/2020. The last payment was received on xx/xx/2024 in the amount of $1,594.42 which was applied to the due date of xx/xx/2020. The unpaid principal balance is xx The current P&I is $1,284.40 and the interest rate is 9.500%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1594.42 | $1594.42 | $1594.42 | $0.00 | $3188.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 444444444444444444444444 | 444444444444444444444444 | 2024-09-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1594.42000<br> $1594.42000<br> $1594.42000<br> $0.00000<br> $3188.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 33.300% | $332.17 | $7972.10 |
| 24881010 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $159134.74 | 7.625% | $1127.16 | $1364.07 | 2024-10-31 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,364.07 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,127.16, and the interest rate is 7.625%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1364.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-10-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1364.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $56.84 | $1364.07 |
| 91356877 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $786958.05 | 7.875% | $5709.92 | $5709.92 | 2024-11-04 | 2024-11-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,709.92 which applied for xx/xx/2024. The current P&I is $5,709.92 with an interest rate of 7.875%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5709.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-10-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5709.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $237.91 | $5709.92 |
| 23839692 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $109919.03 | 10.875% | $1037.18 | $1037.18 | 2024-11-04 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,037.18 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,037.18 with an interest rate of 10.875%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1037.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-10-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1037.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $43.22 | $1037.18 |
| 26941205 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $142176.91 | 8.875% | $1133.79 | $1133.79 | 2024-11-05 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,133.79 which was applied for the due date of xx/xx/2024. The current P&I is $1,133.79 with an interest rate of 8.8750%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1133.79 | $1133.79 | $2267.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1133.79000<br> $1133.79000<br> $2267.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $188.97 | $4535.16 |
| 98061323 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Oregon | xx | $49910.40 | 10.000% | $438.79 | $438.79 | 2024-11-04 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $438.79, which was applied for the due date of xx/xx/2024. The current monthly P&I is $438.79 with an interest rate of 10.00%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $438.79 | $438.79 | $438.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-10-21 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $438.79000<br> $438.79000<br> $438.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $54.85 | $1316.37 |
| 13890517 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $78624.94 | 13.899% | $926.21 | $926.21 | 2024-11-01 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $926.21 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $926.21 with an interest rate of 13.899%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $926.21 | $1852.42 | $0.00 | $926.21 | $926.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-10-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $926.21000<br> $1852.42000<br> $0.00000<br> $926.21000<br> $926.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 41.700% | $192.96 | $4631.05 |
| 41115391 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $263777.97 | 8.000% | $1951.81 | $2300.30 | 2024-11-01 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,300.30 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,951.81 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2301.39 | $2301.39 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $2300.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2024-10-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2301.39000<br> $2301.39000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $2300.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 0.000% | 41.700% | $1150.24 | $27605.78 |
| 48768965 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Virginia | xx | $234472.10 | 5.750% | $1432.50 | $2205.31 | 2024-10-30 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,205.31, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,432.50 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx | $0.00 | $1968.70 | $1968.70 | $0.00 | $3937.40 | $0.00 | $1968.70 | $1968.70 | $1968.70 | $1968.70 | $1968.70 | $4434.81 | $1968.70 | $1968.70 | $2148.01 | $2148.01 | $6369.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000 | 0000000000000000 | 2024-10-17 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $1968.70000<br> $1968.70000<br> $0.00000<br> $3937.40000<br> $0.00000<br> $1968.70000<br> $1968.70000<br> $1968.70000<br> $1968.70000<br> $1968.70000<br> $4434.81000<br> $1968.70000<br> $1968.70000<br> $2148.01000<br> $2148.01000<br> $6369.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.400% | 0.000% | 0.000% | 55.200% | $1531.52 | $36756.41 |
| 84366416 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $58384.41 | 11.209% | $677.21 | $677.21 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $677.21, which was applied for the due date of xx/xx/2024. The current monthly P&I is $677.21 with an interest rate of 11.209%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1354.42 | $1354.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-09-20 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1354.42000<br> $1354.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $112.87 | $2708.84 |
| 45027565 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $128805.51 | 4.375% | $1100.19 | $2027.43 | 2024-12-10 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,027.43 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,100.19 with an interest rate of 4.375%. The current UPB reflected as per the payment history is xx | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $2022.93 | $0.00 | $4045.86 | $0.00 | $4054.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $2022.93000<br> $0.00000<br> $4045.86000<br> $0.00000<br> $4054.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.700% | 0.000% | 0.000% | 41.600% | $1433.28 | $34398.81 |
| 17569139 | xx | xx | XX | xx | xx |  |  | xx | xx | New Jersey | xx | $195292.92 | 5.625% | $1151.32 | $1922.86 | 2024-12-10 | 2024-11-01 | 1 | According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,922.86, which was applied for the due date of xx/xx/2024. The current P&I is $1,151.32 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx | $1793.40 | $0.00 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $1793.40 | $2221.59 | $2221.59 | $2221.59 | $2389.83 | $2221.59 | $1922.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1000000000000000000000 | 0000000000000000000001 | 2024-10-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1793.40000<br> $0.00000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $1793.40000<br> $2221.59000<br> $2221.59000<br> $2221.59000<br> $2389.83000<br> $2221.59000<br> $1922.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.500% | 0.000% | 0.000% | 47.600% | $1297.21 | $31133.05 |
| 33963270 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Nevada | xx | $460873.72 | 5.500% | $2732.46 | $3099.13 | 2024-11-05 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,099.13, which was applied for the due date of xx/xx/2024. The current P&I is $2,732.46 with an interest rate of 5.500%. The current UPB reflected as per the payment history is xx | $3384.63 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $3401.17 | $6401.17 | $4401.17 | $3550.00 | $3650.17 | $3701.17 | $3401.17 | $3401.17 | $3299.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3384.63000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $3401.17000<br> $6401.17000<br> $4401.17000<br> $3550.00000<br> $3650.17000<br> $3701.17000<br> $3401.17000<br> $3401.17000<br> $3299.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.500% | 0.000% | 0.000% | 56.500% | $2741.68 | $65800.31 |
| 9262517 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $685540.24 | 3.750% | $3304.04 | $4540.94 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,540.94 which was applied for the due date of xx/xx/2024. The current P&I is $3,304.04 and the interest rate is 3.750%. The current UPB is xx | $9081.88 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $4540.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000100000 | 000001000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $9081.88000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $4540.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.200% | 0.000% | 0.000% | 50.000% | $3594.91 | $86277.86 |
| 6582954 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $556156.73 | 6.125% | $3499.50 | $4699.38 | 2024-10-14 | 2024-11-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,699.38 which applied for xx/xx/2024. The current P&I is $3,499.50 with an interest rate of 6.125%. The UPB is xx | $4747.23 | $0.00 | $9494.46 | $4747.23 | $4747.23 | $4747.23 | $4747.23 | $4747.23 | $0.00 | $14623.08 | $4699.38 | $4699.38 | $0.00 | $4699.38 | $9398.76 | $0.00 | $4699.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000001000000100000000 | 000000001000000100000000 | 2024-10-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4747.23000<br> $0.00000<br> $9494.46000<br> $4747.23000<br> $4747.23000<br> $4747.23000<br> $4747.23000<br> $4747.23000<br> $0.00000<br> $14623.08000<br> $4699.38000<br> $4699.38000<br> $0.00000<br> $4699.38000<br> $9398.76000<br> $0.00000<br> $4699.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.600% | 0.000% | 0.000% | 33.300% | $3366.55 | $80797.20 |
| 8929549 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $388302.98 | 4.750% | $2110.94 | $3114.42 | 2024-12-10 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,114.42 which was applied for the due date of xx/xx/2025. The current P&I is $2,110.94 and the interest rate is 4.750%. The current UPB is xx | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $2931.37 | $3114.42 | $3114.42 | $3114.42 | $3114.42 | $6228.84 | $3114.42 | $3114.42 | $3114.42 | $3114.42 | $3114.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000000MM | MM0000000000000000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $2931.37000<br> $3114.42000<br> $3114.42000<br> $3114.42000<br> $3114.42000<br> $6228.84000<br> $3114.42000<br> $3114.42000<br> $3114.42000<br> $3114.42000<br> $3114.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.100% | 0.000% | 16.700% | 66.700% | $2526.71 | $60640.95 |
| 55182521 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $583287.61 | 2.875% | $2574.84 | $3911.49 | 2024-11-05 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,911.49 which was applied for the due date of xx/xx/2024. The current P&I is $2,574.84 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3924.62 | $3911.49 | $3911.49 | $3911.49 | $3911.49 | $3911.49 | $3911.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2024-11-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3924.62000<br> $3911.49000<br> $3911.49000<br> $3911.49000<br> $3911.49000<br> $3911.49000<br> $3911.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 50.000% | $2940.18 | $70564.38 |
| 64603009 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $472657.59 | 3.250% | $2220.45 | $2908.80 | 2024-10-31 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,908.80 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,220.45 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx | $2880.66 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $2883.71 | $5817.60 | $0.00 | $2908.80 | $5817.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2880.66000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $2883.71000<br> $5817.60000<br> $0.00000<br> $2908.80000<br> $5817.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 49.900% | $2167.88 | $52029.18 |
| 19258439 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $266224.45 | 3.750% | $1315.40 | $1583.54 | 2024-10-29 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,583.54, which was applied for the due date of xx/xx/2024. The current P&I is $1,315.40 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx  | $1702.57 | $3405.14 | $1702.57 | $1702.57 | $2559.67 | $1706.45 | $1706.45 | $1706.45 | $1583.54 | $1583.54 | $2375.31 | $1583.54 | $1583.54 | $1583.54 | $1583.54 | $2375.31 | $1583.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000221 | 122000000000000000000000 | 2024-10-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1702.57000<br> $3405.14000<br> $1702.57000<br> $1702.57000<br> $2559.67000<br> $1706.45000<br> $1706.45000<br> $1706.45000<br> $1583.54000<br> $1583.54000<br> $2375.31000<br> $1583.54000<br> $1583.54000<br> $1583.54000<br> $1583.54000<br> $2375.31000<br> $1583.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.300% | 0.000% | 0.000% | 45.800% | $1334.47 | $32027.27 |
| 5786798 | xx | xx | XX | xx | xx |  |  | xx | xx | New Mexico | xx | $238024.82 | 3.125% | $1124.06 | $2000.00 | 2024-11-12 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,000.00 which was applied for the due date of xx/xx/2024. The current P&I is $1,124.06 and the interest rate is 3.125%. The current UPB is xx | $1800.00 | $1800.00 | $1800.00 | $1900.00 | $1900.00 | $1900.00 | $1900.00 | $1900.00 | $1900.00 | $1800.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $2000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000001M | M10000000000000000000000 | 2024-11-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1800.00000<br> $1800.00000<br> $1800.00000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $1900.00000<br> $1800.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $2000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.100% | 0.000% | 0.000% | 50.000% | $1441.67 | $34600.00 |
| 94479263 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $329822.09 | 5.250% | $1849.61 | $2686.54 | 2024-11-29 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,686.54 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,849.61 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx<br> . | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2686.55 | $2686.55 | $2686.55 | $2686.55 | $2686.55 | $2686.55 | $2686.55 | $2686.55 | $5373.10 | $0.00 | $2686.55 | $5373.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2024-11-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $2686.55000<br> $5373.10000<br> $0.00000<br> $2686.55000<br> $5373.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.200% | 0.000% | 0.000% | 58.300% | $1455.21 | $34925.14 |
| 71497699 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $313871.64 | 6.125% | $1949.00 | $2232.05 | 2024-11-15 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,232.05 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,949.00 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx | $2226.97 | $2226.97 | $2226.97 | $2226.97 | $2226.97 | $2226.97 | $2226.97 | $2226.97 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $2232.05 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000MMM | MMM000000000000000000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2226.97000<br> $2226.97000<br> $2226.97000<br> $2226.97000<br> $2226.97000<br> $2226.97000<br> $2226.97000<br> $2226.97000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $2232.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 0.000% | 50.000% | $1672.34 | $40136.26 |
| 30313602 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $223326.18 | 2.750% | $1019.88 | $1912.89 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,912.89 which was applied for the due date of xx/xx/2024. The current P&I is $1,019.88 and the interest rate is 2.750%. The current UPB is xx | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2450.00 | $2094.44 | $2252.89 | $2252.89 | $2252.89 | $2252.89 | $2252.89 | $2252.89 | $2252.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2450.00000<br> $2094.44000<br> $2252.89000<br> $2252.89000<br> $2252.89000<br> $2252.89000<br> $2252.89000<br> $2252.89000<br> $2252.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.300% | 0.000% | 0.000% | 58.900% | $1765.19 | $42364.67 |
| 77225100 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $357891.02 | 4.500% | $1903.88 | $2974.06 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,974.06 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,903.88 with an interest rate of 4.50%. The current UPB reflected as per the payment history is xx | $6400.00 | $0.00 | $3200.00 | $6300.00 | $0.00 | $3100.00 | $6200.00 | $0.00 | $3100.00 | $3100.00 | $3100.00 | $6200.00 | $0.00 | $3100.00 | $6200.00 | $0.00 | $3100.00 | $3100.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $6400.00000<br> $0.00000<br> $3200.00000<br> $6300.00000<br> $0.00000<br> $3100.00000<br> $6200.00000<br> $0.00000<br> $3100.00000<br> $3100.00000<br> $3100.00000<br> $6200.00000<br> $0.00000<br> $3100.00000<br> $6200.00000<br> $0.00000<br> $3100.00000<br> $3100.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.700% | 0.000% | 0.000% | 43.400% | $2341.67 | $56200.00 |
| 71804520 | xx | xx | XX | xx | xx |  |  | xx | xx | Massachusetts | xx | $286910.96 | 6.990% | $1913.25 | $2521.93 | 2024-10-23 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,521.93 which applied for xx/xx/2024. The current P&I is $1,913.25 with an interest rate of 6.990%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2521.93 | $0.00 | $5043.86 | $2521.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-10-21 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2521.93000<br> $0.00000<br> $5043.86000<br> $2521.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $420.32 | $10087.72 |
| 12084392 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $424284.42 | 6.990% | $3051.08 | $3391.13 | 2024-11-25 | 2025-01-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,391.13 which applied for xx/xx/2024. The current P&I is $3,051.08 with an interest rate of 6.990%. The UPB is xx | $0.00 | $0.00 | $0.00 | $3391.14 | $3391.14 | $0.00 | $3391.14 | $8217.72 | $0.00 | $5000.00 | $10000.02 | $0.00 | $5000.01 | $10951.83 | $0.00 | $10000.00 | $5391.13 | $5391.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2024-11-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $3391.14000<br> $3391.14000<br> $0.00000<br> $3391.14000<br> $8217.72000<br> $0.00000<br> $5000.00000<br> $10000.02000<br> $0.00000<br> $5000.01000<br> $10951.83000<br> $0.00000<br> $10000.00000<br> $5391.13000<br> $5391.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.200% | 0.000% | 0.000% | 90.300% | $2921.89 | $70125.26 |
| 9028061 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $421961.05 | 3.250% | $1581.70 | $2532.42 | 2024-11-16 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,532.42 which applied for xx/xx/2024. The current P&I is $1,581.70 with an interest rate of 3.250%. The UPB is xx<br> . | $0.00 | $2641.32 | $0.00 | $2641.32 | $0.00 | $2641.32 | $0.00 | $0.00 | $0.00 | $2641.32 | $2641.32 | $0.00 | $2459.39 | $2459.39 | $2532.42 | $2532.42 | $2532.42 | $2532.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000444444444444444444 | 444444444444444444000000 | 2024-11-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $2641.32000<br> $0.00000<br> $2641.32000<br> $0.00000<br> $2641.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2641.32000<br> $2641.32000<br> $0.00000<br> $2459.39000<br> $2459.39000<br> $2532.42000<br> $2532.42000<br> $2532.42000<br> $2532.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 46.500% | 0.000% | 0.000% | 49.500% | $1177.29 | $28255.06 |
| 55368374 | xx | xx | XX | xx | xx | xx | xx | xx | xx | North Carolina | xx | $710810.06 | 5.625% | $4180.42 | $5120.47 | 2024-10-25 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,120.47 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $4,180.42 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx | $5120.47 | $5120.47 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5198.59 | $5120.47 | $5120.47 | $5120.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2024-10-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5120.47000<br> $5120.47000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5198.59000<br> $5120.47000<br> $5120.47000<br> $5120.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.600% | 0.000% | 0.000% | 41.900% | $3666.06 | $87985.43 |
| 69926662 | xx | xx | XX | xx | xx |  |  | xx | xx | New Mexico | xx | $295496.14 | 2.500% | $1313.26 | $1867.50 | 2024-10-28 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,867.50 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,313.26 with an interest rate of 2.500%. The current UPB reflected as per the payment history is xx | $1791.70 | $1800.00 | $1800.00 | $1800.00 | $1800.00 | $0.00 | $1800.00 | $5601.72 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $1867.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000011000000000000 | 000000000000110000000000 | 2024-10-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1791.70000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $1800.00000<br> $0.00000<br> $1800.00000<br> $5601.72000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $1867.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.100% | 0.000% | 0.000% | 41.700% | $1383.37 | $33200.92 |
| 99166244 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New Mexico | xx | $286115.87 | 3.499% | $1379.65 | $2300.76 | 2024-11-15 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,300.76 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,379.65 with an interest rate of 3.499%. The current UPB reflected as per the payment history is xx<br> . | $2148.54 | $2148.54 | $2148.54 | $2148.54 | $2201.00 | $2500.00 | $2315.43 | $2315.43 | $2315.43 | $2315.43 | $2369.74 | $2325.76 | $2300.76 | $2300.76 | $2300.76 | $2300.76 | $2300.76 | $2300.76 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000001MMMM | MMMM10000000000000000000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2148.54000<br> $2148.54000<br> $2148.54000<br> $2148.54000<br> $2201.00000<br> $2500.00000<br> $2315.43000<br> $2315.43000<br> $2315.43000<br> $2315.43000<br> $2369.74000<br> $2325.76000<br> $2300.76000<br> $2300.76000<br> $2300.76000<br> $2300.76000<br> $2300.76000<br> $2300.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.000% | $1710.71 | $41056.94 |
| 71944012 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $264561.73 | 3.750% | $1313.90 | $2050.24 | 2024-10-31 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,050.24 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,313.90 with an interest rate of 3.750%. The current UPB reflected as per the payment history is x | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $1968.14 | $2050.24 | $2050.24 | $4100.48 | $0.00 | $2050.24 | $4100.48 | $0.00 | $4100.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $1968.14000<br> $2050.24000<br> $2050.24000<br> $4100.48000<br> $0.00000<br> $2050.24000<br> $4100.48000<br> $0.00000<br> $4100.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.500% | 0.000% | 0.000% | 41.700% | $1506.89 | $36165.42 |
| 33559824 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $146195.23 | 5.990% | $898.37 | $1563.36 | 2024-12-02 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024, in the amount of $1,563.36, which was applied for the due date of xx/xx/2024. The current P&I is $898.37 and interest rate is 5.990%. The UPB is xx | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1559.70 | $1563.36 | $1563.36 | $1563.36 | $1563.36 | $1563.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1559.70000<br> $1563.36000<br> $1563.36000<br> $1563.36000<br> $1563.36000<br> $1563.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.000% | 0.000% | 16.700% | 58.300% | $1235.53 | $29652.60 |
| 61275875 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $669977.25 | 4.125% | $3392.55 | $4604.33 | 2024-11-01 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,604.33 which applied for xx/xx/2024. The current P&I is $3,392.55 with an interest rate of 4.125%. The UPB is xx | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $5173.67 | $4604.33 | $4604.33 | $4604.33 | $4604.33 | $4604.33 | $4604.33 | $4604.33 | $4604.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $5173.67000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $4604.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.200% | 0.000% | 0.000% | 50.000% | $3690.47 | $88571.34 |
| 25036930 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Nevada | xx | $95193.04 | 2.250% | $484.89 | $901.75 | 2024-11-01 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $901.75 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $484.89 with an interest rate of 2.250%. The current UPB reflected as per the payment history is xx | $1953.44 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $906.62 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1041.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1953.44000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $906.62000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1041.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.300% | 0.000% | 0.000% | 55.800% | $787.57 | $18901.75 |
| 8199804 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $192450.64 | 5.375% | $1114.85 | $1656.65 | 2024-12-02 | 2024-12-01 | 0 | According to the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date of payment is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,656.65 which applied for xx/xx/2024. The current P&I is $1,114.85 with an interest rate of 5.375%. The UPB is xx<br> . | $1640.65 | $0.00 | $1640.65 | $1640.65 | $3281.30 | $0.00 | $1640.65 | $1640.65 | $1640.65 | $1640.65 | $1656.65 | $1656.65 | $1656.65 | $1656.65 | $1656.65 | $1656.65 | $1656.65 | $1656.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1640.65000<br> $0.00000<br> $1640.65000<br> $1640.65000<br> $3281.30000<br> $0.00000<br> $1640.65000<br> $1640.65000<br> $1640.65000<br> $1640.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $1656.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.500% | 0.000% | 0.000% | 50.000% | $1167.46 | $28019.05 |
| 22796233 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Minnesota | xx | $435224.20 | 7.625% | $3089.52 | $3230.72 | 2024-10-28 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,230.72 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,089.52 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6561.80 | $3280.90 | $3230.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-10-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6561.80000<br> $3280.90000<br> $3230.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.900% | 0.000% | 0.000% | 33.700% | $544.73 | $13073.42 |
| 32473677 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New Jersey | xx | $384365.75 | 6.990% | $2558.83 | $3177.17 | 2024-10-22 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,177.17, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,558.83 with an interest rate of 6.99%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3177.17 | $3177.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-10-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3177.17000<br> $3177.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $264.76 | $6354.34 |
| 76316004 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $159173.77 | 7.625% | $1132.47 | $1132.47 | 2024-11-07 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,132.47 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,132.47 with and interest rate of 7.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1132.47 | $1132.47 | $1132.47 | $1132.47 | $1132.47 | $1132.47 | $1132.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2024-11-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1132.47000<br> $1132.47000<br> $1132.47000<br> $1132.47000<br> $1132.47000<br> $1132.47000<br> $1132.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 0.000% | 50.000% | $330.30 | $7927.29 |
| 9934019 | xx | xx | XX | xx | xx |  |  | xx | xx | Idaho | xx | $214040.71 | 6.125% | $1206.00 | $1407.82 | 2024-11-06 | 2024-11-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,407.82, which was applied for the due date of xx/xx/2024. The current P&I is $1,206.00 with an interest rate of 6.125%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $1676.52 | $0.00 | $0.00 | $1676.52 | $0.00 | $1407.82 | $1407.82 | $3200.00 | $0.00 | $1500.00 | $1500.00 | $1500.00 | $1500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000004444444444321000 | 000123444444444400000000 | 2024-10-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1676.52000<br> $0.00000<br> $0.00000<br> $1676.52000<br> $0.00000<br> $1407.82000<br> $1407.82000<br> $3200.00000<br> $0.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $1500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.500% | 0.000% | 0.000% | 35.500% | $640.36 | $15368.68 |
| 58984488 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $63636.90 | 7.125% | $434.55 | $434.55 | 2024-11-06 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $434.55 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $434.55 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx | $0.00 | $434.55 | $434.55 | $442.05 | $442.05 | $442.05 | $442.05 | $442.05 | $442.05 | $442.05 | $0.00 | $869.10 | $434.55 | $434.55 | $434.55 | $0.00 | $869.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0100001000000000 | 0000000001000010 | 2024-10-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $434.55000<br> $434.55000<br> $442.05000<br> $442.05000<br> $442.05000<br> $442.05000<br> $442.05000<br> $442.05000<br> $442.05000<br> $0.00000<br> $869.10000<br> $434.55000<br> $434.55000<br> $434.55000<br> $0.00000<br> $869.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 67.200% | 0.000% | 0.000% | 41.700% | $291.89 | $7005.30 |
| 78462575 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $110741.38 | 6.125% | $692.52 | $1200.00 | 2024-11-06 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $692.52 with an interest rate of 6.125%. The current UPB is xx | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1100.00 | $1200.00 | $1200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2024-10-23 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $1200.00000<br> $1200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 65.600% | 0.000% | 0.000% | 39.600% | $787.50 | $18900.00 |
| 75740516 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arkansas | xx | $96061.19 | 7.250% | $661.71 | $880.90 | 2024-11-06 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $880.90 which was applied for the due date of xx/xx/2024. The current P&I is $661.71 and the interest rate is 7.250%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $900.20 | $900.20 | $900.20 | $900.20 | $900.20 | $900.20 | $0.00 | $1761.80 | $880.90 | $880.90 | $880.90 | $880.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001000000 | 000000100000 | 2024-10-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $900.20000<br> $900.20000<br> $900.20000<br> $900.20000<br> $900.20000<br> $900.20000<br> $0.00000<br> $1761.80000<br> $880.90000<br> $880.90000<br> $880.90000<br> $880.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.500% | 0.000% | 0.000% | 50.000% | $445.28 | $10686.60 |
| 74318177 | xx | xx | XX | xx | xx |  |  | xx | xx | Tennessee | xx | $459279.04 | 9.250% | $3784.31 | $4053.31 | 2024-11-20 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,053.31 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $3,784.31 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4053.31 | $4053.31 | $4053.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4053.31000<br> $4053.31000<br> $4053.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $506.66 | $12159.93 |
| 80184030 | xx | xx | XX | xx | xx |  |  | xx | xx | New Jersey | xx | $230756.78 | 8.125% | $1722.59 | $2412.86 | 2024-10-28 | 2024-10-01 | 0 | According to payment history as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,412.86 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,722.59 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2412.86 | $0.00 | $2412.86 | $0.00 | $2412.86 | $2412.86 | $2412.86 | $4825.72 | $2412.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 112222110 | 011222211 | 2024-10-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2412.86000<br> $0.00000<br> $2412.86000<br> $0.00000<br> $2412.86000<br> $2412.86000<br> $2412.86000<br> $4825.72000<br> $2412.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 50.000% | $804.29 | $19302.88 |
| 56079325 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $210818.34 | 6.750% | $1368.54 | $1981.72 | 2024-11-15 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,981.72 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,368.54 and the interest rate is 6.750%. <br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1981.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1981.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $82.57 | $1981.72 |
| 59215508 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $153831.15 | 5.250% | $869.17 | $1319.83 | 2024-11-01 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,319.83, which was applied for the due date of xx/xx/2024. The current P&I is $869.17 with an interest rate of 5.25%. The current UPB reflected as per payment history is xx | $2150.34 | $0.00 | $1075.17 | $2150.34 | $0.00 | $1075.17 | $2150.34 | $0.00 | $1075.17 | $1075.17 | $1075.17 | $2639.66 | $0.00 | $1319.83 | $2639.66 | $0.00 | $1319.83 | $1319.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2150.34000<br> $0.00000<br> $1075.17000<br> $2150.34000<br> $0.00000<br> $1075.17000<br> $2150.34000<br> $0.00000<br> $1075.17000<br> $1075.17000<br> $1075.17000<br> $2639.66000<br> $0.00000<br> $1319.83000<br> $2639.66000<br> $0.00000<br> $1319.83000<br> $1319.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.500% | 0.000% | 0.000% | 41.700% | $877.74 | $21065.68 |
| 77637159 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $184426.58 | 5.250% | $1040.72 | $1637.07 | 2024-11-06 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,637.07 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,040.72 and the interest rate is 5.250%. <br>| $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1524.75 | $1637.07 | $1637.07 | $1637.07 | $1637.07 | $1637.07 | $1637.07 | $1637.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2024-11-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1524.75000<br> $1637.07000<br> $1637.07000<br> $1637.07000<br> $1637.07000<br> $1637.07000<br> $1637.07000<br> $1637.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.900% | 0.000% | 0.000% | 50.000% | $1176.32 | $28231.74 |
| 72125483 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $722532.57 | 5.490% | $4242.37 | $6478.42 | 2024-11-01 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,478.42, which was applied for the due date of xx/xx/2024. The current P&I is $4,242.37 with an interest rate of 5.490%. The current UPB reflected as per payment history is xx | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $5608.75 | $6478.42 | $6478.42 | $6478.42 | $6478.42 | $6478.42 | $6478.42 | $6478.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $5608.75000<br> $6478.42000<br> $6478.42000<br> $6478.42000<br> $6478.42000<br> $6478.42000<br> $6478.42000<br> $6478.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.800% | 0.000% | 0.000% | 50.000% | $4460.22 | $107045.19 |
| 44401410 | xx | xx | XX | xx | xx |  |  | xx | xx | Minnesota | xx | $179418.10 | 7.125% | $1212.69 | $1864.83 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,864.83 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,212.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7459.32 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0321 | 1230 | 2024-10-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7459.32000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $310.81 | $7459.32 |
| 66326511 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $56966.34 | 8.625% | $443.34 | $787.97 | 2024-10-31 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $787.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $443.34 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $787.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-10-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $787.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $32.83 | $787.97 |
| 30485245 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Illinois | xx | $546971.00 | 8.375% | $4165.20 | $4165.20 | 2024-11-04 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $4,165.20 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,165.20 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4165.20 | $4165.20 | $4165.20 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4165.20000<br> $4165.20000<br> $4165.20000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $520.65 | $12495.60 |
| 55099549 | xx | xx | XX | xx | xx |  |  | xx | xx | Oregon | xx | $387600.00 |  |  |  | 2024-11-07 | 2024-12-01 | 0 | The loan was originated on xx/xx/2024, and the first payment is due on xx/xx/2024. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2024. The current UPB reflected as per the payment history tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 90967991 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $313289.53 | 8.375% | $2388.76 | $3043.42 | 2024-11-12 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,043.42, which was applied for the due date of xx/xx/2024. The current P&I is $2,388.76 with an interest rate of 8.375%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3043.42 | $3043.42 | $3043.42 | $3043.42 | $3043.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3043.42000<br> $3043.42000<br> $3043.42000<br> $3043.42000<br> $3043.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 41.700% | $634.05 | $15217.10 |
| 30108614 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Maryland | xx | $600118.38 | 7.750% | $4308.50 | $5189.05 | 2024-11-14 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,189.05 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,308.50 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4308.50 | $5189.05 | $5189.05 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-10-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4308.50000<br> $5189.05000<br> $5189.05000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 11.800% | 0.000% | 0.000% | 23.600% | $611.94 | $14686.60 |
| 40143236 | xx | xx | XX | xx | xx |  |  | xx | xx | Tennessee | xx | $191978.42 | 2.875% | $860.07 | $1130.95 | 2024-11-14 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,130.95 which was applied for the due date of xx/xx/2024. The current monthly P&I is $860.07 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx | $1066.82 | $1066.82 | $0.00 | $2133.64 | $1066.82 | $1066.82 | $1066.82 | $1066.82 | $0.00 | $1134.70 | $1134.70 | $2269.40 | $1134.70 | $1134.70 | $0.00 | $2269.40 | $0.00 | $1130.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1066.82000<br> $1066.82000<br> $0.00000<br> $2133.64000<br> $1066.82000<br> $1066.82000<br> $1066.82000<br> $1066.82000<br> $0.00000<br> $1134.70000<br> $1134.70000<br> $2269.40000<br> $1134.70000<br> $1134.70000<br> $0.00000<br> $2269.40000<br> $0.00000<br> $1130.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.100% | 0.000% | 0.000% | 41.800% | $780.96 | $18743.11 |
| 63035471 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $147028.68 | 6.750% | $955.27 | $1239.09 | 2024-11-12 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,239.09 which was applied for the due date of xx/xx/2024. The current P&I is $955.27 and the interest rate is 6.750%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1239.09 | $1239.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1239.09000<br> $1239.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $103.26 | $2478.18 |
| 88044340 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $543633.77 | 7.125% | $3732.49 | $5096.08 | 2024-11-15 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,096.08, which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,732.49 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $543,633.77. PH shows a large transaction in the amount of $15,661.42 on xx/xx/2024, which was applied for the due dates of xx/xx/2024 to xx/xx/2024. As per the comments dated xx/xx/2024, these are the borrower's payments. | $4983.22 | $4983.22 | $4983.22 | $4983.22 | $4983.22 | $4983.22 | $4983.22 | $4983.22 | $5101.38 | $0.00 | $15661.42 | $0.00 | $5096.08 | $10192.16 | $0.00 | $5096.08 | $5096.08 | $5096.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000010000000000010 | 0100000000000100000000 | 2024-11-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4983.22000<br> $4983.22000<br> $4983.22000<br> $4983.22000<br> $4983.22000<br> $4983.22000<br> $4983.22000<br> $4983.22000<br> $5101.38000<br> $0.00000<br> $15661.42000<br> $0.00000<br> $5096.08000<br> $10192.16000<br> $0.00000<br> $5096.08000<br> $5096.08000<br> $5096.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.600% | 0.000% | 0.000% | 50.000% | $3800.21 | $91205.04 |
| 9815568 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $275698.78 | 7.125% | $1876.04 | $2402.73 | 2024-11-15 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,402.73, which was applied for the due date of xx/xx/2024. The current P&I is $1,876.04 with an interest rate of 7.125%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2226.22 | $2226.22 | $2226.22 | $0.00 | $4452.62 | $0.00 | $2226.31 | $4629.04 | $0.00 | $2402.73 | $2402.73 | $2402.73 | $2402.73 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2024-11-08 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2226.22000<br> $2226.22000<br> $2226.22000<br> $0.00000<br> $4452.62000<br> $0.00000<br> $2226.31000<br> $4629.04000<br> $0.00000<br> $2402.73000<br> $2402.73000<br> $2402.73000<br> $2402.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.900% | 0.000% | 0.000% | 49.400% | $1149.90 | $27597.55 |
| 19485278 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $396173.81 | 3.990% | $2002.72 | $3534.13 | 2025-01-20 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,534.13, which was applied for the due date of xx/xx/2025. The current P&I is $2,002.72 with an interest rate of 3.99%. The current UPB reflected as per payment history is xx | $3767.46 | $3867.60 | $3767.46 | $3867.60 | $3767.46 | $3767.46 | $3867.60 | $3767.46 | $3867.60 | $3534.13 | $3534.13 | $0.00 | $3534.13 | $3534.13 | $0.00 | $0.00 | $3534.13 | $0.00 | $3534.13 | $3534.13 | $0.00 | $0.00 | $0.00 | $0.00 | 000MM1110000000000001000 | 0001000000000000111MM000 | 2025-01-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3767.46000<br> $3867.60000<br> $3767.46000<br> $3867.60000<br> $3767.46000<br> $3767.46000<br> $3867.60000<br> $3767.46000<br> $3867.60000<br> $3534.13000<br> $3534.13000<br> $0.00000<br> $3534.13000<br> $3534.13000<br> $0.00000<br> $0.00000<br> $3534.13000<br> $0.00000<br> $3534.13000<br> $3534.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.600% | 0.000% | 33.300% | 41.700% | $2460.28 | $59046.61 |
| 14390052 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $182241.76 | 7.875% | $1336.30 | $1636.72 | 2024-11-19 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,636.72 which was applied for the due date of xx/xx/2024. The current P&I is $1,336.30 and the interest rate is 7.875%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3400.00 | $1700.72 | $1700.72 | $1700.72 | $1706.72 | $1700.72 | $1636.72 | $1636.72 | $0.00 | $1640.00 | $1636.72 | $1636.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3400.00000<br> $1700.72000<br> $1700.72000<br> $1700.72000<br> $1706.72000<br> $1700.72000<br> $1636.72000<br> $1636.72000<br> $0.00000<br> $1640.00000<br> $1636.72000<br> $1636.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 51.200% | 0.000% | 0.000% | 41.700% | $837.35 | $20096.48 |
| 45280327 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $628186.46 | 7.625% | $4452.73 | $5650.99 | 2024-11-13 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,650.99, which was applied for the due date of xx/xx/2024. The current P&I is $4,452.73 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5650.99 | $5650.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5650.99000<br> $5650.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $470.92 | $11301.98 |
| 4756330 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New York | xx | $613571.41 | 7.875% | $4477.29 | $5902.83 | 2024-11-19 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,902.83 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $4,477.29 with an interest rate of 7.875%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5833.60 | $5833.60 | $5833.60 | $5833.60 | $5833.60 | $5833.60 | $6448.89 | $5902.83 | $5902.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5833.60000<br> $5833.60000<br> $5833.60000<br> $5833.60000<br> $5833.60000<br> $5833.60000<br> $6448.89000<br> $5902.83000<br> $5902.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.600% | 0.000% | 0.000% | 50.500% | $2219.01 | $53256.15 |
| 47276638 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Missouri | xx | $133170.71 | 5.990% | $831.40 | $1128.72 | 2024-11-19 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,128.72 which was applied for the due date of xx/xx/2024. The current monthly P&I is $831.40 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx<br> PH shows large principal curtailment in the total amount of xx on xx/xx/2024. As per the servicing comment dated xx/xx/2024, borrower made large payment in the amount of xx | $0.00 | $5903.28 | $4300.00 | $3300.28 | $6600.00 | $900.00 | $2300.00 | $153308.00 | $2301.45 | $2300.00 | $2210.40 | $2300.00 | $1300.00 | $1300.00 | $0.00 | $2600.00 | $1300.00 | $1300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $5903.28000<br> $4300.00000<br> $3300.28000<br> $6600.00000<br> $900.00000<br> $2300.00000<br> $153308.00000<br> $2301.45000<br> $2300.00000<br> $2210.40000<br> $2300.00000<br> $1300.00000<br> $1300.00000<br> $0.00000<br> $2600.00000<br> $1300.00000<br> $1300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 714.400% | 0.000% | 0.000% | 57.600% | $8063.48 | $193523.41 |
| 45228569 | xx | xx | XX | xx | xx |  |  | xx | xx | New Jersey | xx | $64136.89 | 4.375% | $321.23 | $925.79 | 2024-09-30 | 2024-11-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $925.79 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $321.23 and the interest rate is 4.375%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $841.58 | $815.28 | $815.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17974.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 004444444444444444443221 | 122344444444444444444400 | 2024-09-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $841.58000<br> $815.28000<br> $815.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $17974.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.000% | 0.000% | 0.000% | 161.800% | $851.94 | $20446.54 |
| 34199967 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $2703.12 | 5.250% | $230.29 | $301.04 | 2024-11-11 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $301.04 which was applied for the due date of xx/xx/2024. The current P&I is $230.29 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx | $317.13 | $317.13 | $0.00 | $634.26 | $0.00 | $0.00 | $634.26 | $0.00 | $0.00 | $0.00 | $0.00 | $951.39 | $0.00 | $0.00 | $0.00 | $1585.65 | $602.08 | $301.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 001444344321210100010011 | 110010001012123443444100 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $317.13000<br> $317.13000<br> $0.00000<br> $634.26000<br> $0.00000<br> $0.00000<br> $634.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $951.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1585.65000<br> $602.08000<br> $301.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.000% | 0.000% | 0.000% | 68.900% | $222.62 | $5342.94 |
| 1869649 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $38235.45 | 9.790% | $1051.50 | $1051.50 | 2024-11-01 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,051.50 which was applied for the due date of xx/xx/2024. The current P&I is $1,051.50 and the interest rate is 9.790%. The current UPB is xx As per tape data, the deferred balance is $7,147.13. <br> PH shows multiple transactions were made in the total amount of $28,301.50 on different transaction dates. CC shows these are BWR payments. | $9051.50 | $1051.50 | $2051.50 | $1051.50 | $1051.50 | $1051.50 | $1051.50 | $1051.50 | $1051.50 | $1051.50 | $7051.50 | $2103.00 | $1051.50 | $1051.50 | $1051.50 | $1051.50 | $2103.00 | $13000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $9051.50000<br> $1051.50000<br> $2051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $7051.50000<br> $2103.00000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $1051.50000<br> $2103.00000<br> $13000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 190.100% | 0.000% | 0.000% | 153.000% | $1999.10 | $47978.50 |
| 15343991 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $4423.74 | 10.790% | $273.95 | $273.95 | 2024-11-05 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $273.95, which was applied for the due date of xx/xx/2024. The current monthly P&I is $273.95 with an interest rate of 10.790%. The current UPB reflected as per the payment history is $4,423.74 and deferred balance is $2,051.04. As per the document located atxx, the borrower is making a payment in the amount of 10.79000% with an interest rate of $273.95. | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $280.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $280.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.400% | 0.000% | 0.000% | 42.600% | $198.33 | $4760.00 |
| 18451842 | xx | xx | XX | xx | xx |  |  | xx | xx | Oklahoma | xx | $45266.06 | 7.750% | $315.05 | $573.69 | 2024-11-07 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $573.69 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $315.05 with an interest rate of 7.750%. The current UPB is xx<br> As per the deferral agreement located at "xx" the amount of $1,171.83 has been deferred. | $510.97 | $0.00 | $510.97 | $510.97 | $0.00 | $510.97 | $573.69 | $573.69 | $0.00 | $1147.38 | $573.69 | $0.00 | $0.00 | $0.00 | $0.00 | $4589.52 | $573.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 004443222222211100004443 | 344400001112222222344400 | 2024-10-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $510.97000<br> $0.00000<br> $510.97000<br> $510.97000<br> $0.00000<br> $510.97000<br> $573.69000<br> $573.69000<br> $0.00000<br> $1147.38000<br> $573.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4589.52000<br> $573.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 0.000% | 75.000% | $419.81 | $10075.54 |
| 53436338 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $8591.34 |  | $190.58 | $190.58 | 2024-11-05 | 2024-11-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $190.58, which was applied for the due date of xx/xx/2024. The current monthly P&I is $190.58. The current UPB reflected as per the payment history is $8,591.34 and deferred balance is $1,108.40. | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $190.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $190.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.800% | 0.000% | 0.000% | 41.700% | $134.99 | $3239.86 |
| 82773140 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $5782.80 | 13.500% | $519.18 | $519.18 | 2024-11-07 | 2024-10-01 | 1 | According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $519.18 which was applied for the due date of xx/xx/2024. The current monthly P&I is $519.18 with an interest rate of 13.500%. The current UPB reflected as per the payment history is xx | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $0.00 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $519.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111111111110000000001010 | 010100000000011111111111 | 2024-10-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $0.00000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $519.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.700% | 0.000% | 0.000% | 41.700% | $346.12 | $8306.88 |
| 8746351 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $192828.65 | 5.125% | $1095.65 | $1571.96 | 2024-11-15 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,571.96, which was applied for the due date of xx/xx/2024. The current P&I is $1,095.65 with an interest rate of 5.125%. The current UPB reflected as per the payment history is xx | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1491.82 | $1571.96 | $1571.96 | $1571.96 | $1571.96 | $1571.96 | $1571.96 | $5032.87 | $1571.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1491.82000<br> $1571.96000<br> $1571.96000<br> $1571.96000<br> $1571.96000<br> $1571.96000<br> $1571.96000<br> $5032.87000<br> $1571.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.000% | 0.000% | 0.000% | 68.300% | $1289.78 | $30954.79 |
| 30873446 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New York | xx | $673627.07 | 3.125% | $2492.06 | $3252.77 | 2024-11-19 | 2024-10-01 | 1 | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,252.77, which was applied for the due date of xx/xx/2024. The current P&I is $2,492.06 with an interest rate of 3.125%. The current UPB is not available in the latest PH. As per the tape as of xx/xx/2024, the current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $9757.44 | $3252.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10021MMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMM12001 | 2024-09-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9757.44000<br> $3252.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $542.09 | $13010.21 |
| 68759559 | xx | xx | XX | xx | xx |  |  | xx | xx | New York | xx | $164556.59 | 6.575% | $1051.06 | $1778.98 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,778.98 which was applied for the due date of xx/xx/2024.The current monthly P&I is $1,051.06 with an interest rate of 6.575%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1778.98 | $3557.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1778.98000<br> $3557.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $222.37 | $5336.94 |
| 71692151 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $179113.00 | 7.125% | $1212.63 | $1421.36 | 2024-10-23 | 2024-11-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. Unable to determine the last transaction details. The current P&I is $1,212.63 with an interest rate of 7.125%. The current UPB reflected as per the payment history tape is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1421.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMM10 | 01MMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1421.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 0.000% | $59.22 | $1421.36 |
| 84328203 | xx | xx | XX | xx | xx |  |  | xx | xx | Minnesota | xx | $196930.24 | 7.250% | $1346.58 | $1805.38 | 2024-11-18 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,805.38, which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,346.58, and the interest rate is 7.250%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1805.38 | $1805.38 | $1805.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1805.38000<br> $1805.38000<br> $1805.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 0.000% | 25.000% | $225.67 | $5416.14 |
| 9829606 | xx | xx | XX | xx | xx |  |  | xx | xx | New York | xx | $248598.87 | 7.250% | $1708.17 | $1748.09 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $1,748.09, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,708.17 with an interest rate of 7.250%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1748.09 | $1748.09 | $1748.09 | $1748.09 | $1748.09 | $1748.09 | $0.00 | $3496.18 | $0.00 | $1748.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1748.09000<br> $1748.09000<br> $1748.09000<br> $1748.09000<br> $1748.09000<br> $1748.09000<br> $0.00000<br> $3496.18000<br> $0.00000<br> $1748.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 41.700% | $655.53 | $15732.81 |
| 83570604 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $384987.93 | 6.625% | $3030.63 | $3343.92 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,343.92 which was applied for the due date of xx/xx/2024. The current P&I is $3,030.63 and the interest rate is 6.625%. The current UPB is xx | $3400.00 | $3400.00 | $3400.00 | $0.00 | $3400.00 | $3400.00 | $3400.00 | $3400.00 | $3400.00 | $3400.00 | $3400.00 | $3343.92 | $3343.92 | $3343.92 | $3343.92 | $3343.92 | $3343.92 | $3343.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3400.00000<br> $3400.00000<br> $3400.00000<br> $0.00000<br> $3400.00000<br> $3400.00000<br> $3400.00000<br> $3400.00000<br> $3400.00000<br> $3400.00000<br> $3400.00000<br> $3343.92000<br> $3343.92000<br> $3343.92000<br> $3343.92000<br> $3343.92000<br> $3343.92000<br> $3343.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.500% | 0.000% | 0.000% | 50.000% | $2391.98 | $57407.44 |
| 81450956 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $401326.80 | 3.125% | $1564.35 | $2348.81 | 2024-11-18 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,348.81, which was applied for the due date of xx/xx/2024. The current P&I is $1,564.35 with an interest rate of 3.125%. The current UPB reflected as per payment history is xx | $2329.90 | $2329.90 | $2329.90 | $0.00 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2329.90 | $2348.81 | $2348.81 | $2348.81 | $2348.81 | $2348.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000001 | 100000000000000000000000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2329.90000<br> $2329.90000<br> $2329.90000<br> $0.00000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2329.90000<br> $2348.81000<br> $2348.81000<br> $2348.81000<br> $2348.81000<br> $2348.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.400% | 0.000% | 0.000% | 49.900% | $1654.29 | $39702.85 |
| 16424200 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Alaska | xx | $376000.00 | 5.990% | $2251.89 | $2251.89 | 2024-11-18 | 2024-12-01 | 0 | The loan was originated on xx/xx/2024 with a first payment date of xx/xx/2024. As per the payment history as of xx/xx/2024, the next due date is xx/xx/2024. The current P&I is $2,251.89 with an interest rate of 5.99%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 4372439 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New Jersey | xx | $78454.10 | 7.500% | $550.63 | $550.63 | 2024-11-21 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $550.63. The UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $550.63 | $550.63 | $550.63 | $550.63 | $550.63 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $550.63000<br> $550.63000<br> $550.63000<br> $550.63000<br> $550.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 41.700% | $114.71 | $2753.15 |
| 13660688 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $223090.97 | 7.125% | $1436.61 | $1767.49 | 2024-11-18 | 2024-12-01 | 0 | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,767.49, which was applied for the due date of xx/xx/2024. The current P&I is $1,436.61 with an interest rate of 7.125%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1767.49 | $0.00 | $1767.49 | $1767.49 | $1767.49 | $1767.49 | $1767.49 | $1767.49 | $1767.49 | $1767.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000444444444444444 | 444444444444444000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1767.49000<br> $0.00000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $1767.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 50.000% | $662.81 | $15907.41 |
| 17767574 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $259584.06 | 7.250% | $1693.86 | $2626.74 | 2024-11-18 | 2024-11-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,626.74 which was applied for the due date of xx/xx/2024. The current P&I is $1,693.86 with an interest rate of 7.250%. The current UPB reflected as per payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2689.39 | $0.00 | $2689.39 | $2626.74 | $2626.74 | $2626.74 | $2626.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000444444444444444444 | 444444444444444444000000 | 2024-10-21 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2689.39000<br> $0.00000<br> $2689.39000<br> $2626.74000<br> $2626.74000<br> $2626.74000<br> $2626.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.200% | 0.000% | 0.000% | 41.900% | $661.91 | $15885.74 |
| 38797265 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $91103.77 | 6.750% | $596.71 | $824.53 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $824.53 which was applied for the due date of xx/xx/2024. The current monthly P&I is $596.71 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $824.53 | $824.53 | $0.00 | $1649.06 | $1649.06 | $824.53 | $824.53 | $824.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000100MM | MM00100000 | 2024-10-24 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $824.53000<br> $824.53000<br> $0.00000<br> $1649.06000<br> $1649.06000<br> $824.53000<br> $824.53000<br> $824.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 58.300% | $309.20 | $7420.77 |
| 17822296 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $200106.12 | 7.375% | $1397.58 | $1969.44 | 2024-11-20 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,969.44 which was applied for the due date of xx/xx/2024. The current P&I is $1,397.58 with an interest rate of 7.375%. The current UPB reflected as per payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $1948.48 | $5877.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000M | M000000000000 | 2024-09-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $1948.48000<br> $5877.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.700% | 0.000% | 0.000% | 49.600% | $1056.75 | $25361.91 |
| 76334320 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $776708.08 | 5.950% | $4952.60 | $6812.10 | 2024-11-19 | 2024-12-01 | 0 | As per the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,812.10, which was applied for the due date of xx/xx/2024. The current P&I is $4,952.60 with an interest rate of 5.950%. The current UPB is xx <br> As per the PH dated xx/xx/2020 and tape data, there is a deferred balance in the amount of xx | $6693.71 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $7063.58 | $6812.10 | $6812.10 | $6812.10 | $6812.10 | $6812.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $6693.71000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $7063.58000<br> $6812.10000<br> $6812.10000<br> $6812.10000<br> $6812.10000<br> $6812.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.800% | 0.000% | 0.000% | 50.300% | $5229.88 | $125517.17 |
| 25970676 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $328147.02 | 4.375% | $1807.41 | $2156.01 | 2024-11-19 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,156.01 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,807.41 and the interest rate is 4.375%.<br>| $2141.16 | $2141.16 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2185.52 | $2156.01 | $2156.01 | $2156.01 | $2156.01 | $2156.01 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2141.16000<br> $2141.16000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2185.52000<br> $2156.01000<br> $2156.01000<br> $2156.01000<br> $2156.01000<br> $2156.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.600% | 0.000% | 0.000% | 50.100% | $1629.30 | $39103.09 |
| 67574792 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $162383.05 | 3.875% | $899.33 | $1599.23 | 2024-11-19 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,599.23 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $899.33 and the interest rate is 3.875%.<br> PH shows a large payment of $6,000.00 in March-23 and $9,995.98 in Apr-23. CC dated xx/xx/2023 and xx/xx/2023 shows the same amount paid by BWR.<br>| $1399.44 | $1899.44 | $1399.44 | $1399.44 | $1399.44 | $1399.44 | $1399.44 | $1399.44 | $1399.44 | $1599.23 | $1599.23 | $1599.23 | $1599.23 | $1599.23 | $1599.23 | $1599.23 | $1699.23 | $1599.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1399.44000<br> $1899.44000<br> $1399.44000<br> $1399.44000<br> $1399.44000<br> $1399.44000<br> $1399.44000<br> $1399.44000<br> $1399.44000<br> $1599.23000<br> $1599.23000<br> $1599.23000<br> $1599.23000<br> $1599.23000<br> $1599.23000<br> $1599.23000<br> $1699.23000<br> $1599.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.900% | 0.000% | 0.000% | 50.500% | $1149.50 | $27588.03 |
| 17983465 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $691168.22 | 8.125% | $5145.51 | $5145.51 | 2024-11-19 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,145.51 which was applied for the due date of xx/xx/2024. The current monthly P&I is $5,145.51 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5145.51 | $5145.51 | $5145.51 | $5145.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5145.51000<br> $5145.51000<br> $5145.51000<br> $5145.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 33.300% | $857.59 | $20582.04 |
| 57980477 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $127964.06 | 7.999% | $939.50 | $1545.65 | 2024-11-19 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024.The last payment was received on xx/xx/2024 in the amount of $1,545.65, which was applied for the due date of xx/xx/2024. The current monthly P&I is $939.50 with an interest rate of 7.999%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1545.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1545.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $64.40 | $1545.65 |
| 2227988 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $172134.40 | 7.999% | $1263.79 | $2042.61 | 2024-11-19 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,042.61, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,263.79 with an interest rate of 7.999%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2042.61 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2042.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $85.11 | $2042.61 |
| 17421034 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $409764.11 | 8.750% | $3225.47 | $3708.47 | 2024-11-19 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,708.47 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,225.47 with an interest rate of 8.750%.The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3708.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3708.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $154.52 | $3708.47 |
| 13103267 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $229941.16 | 4.875% | $1323.02 | $2291.72 | 2024-11-19 | 2024-12-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,291.72, which was applied for the due date of xx/xx/2024. The current P&I is $1,323.02 with an interest rate of 4.875%. The UPB is xx | $2209.50 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2387.14 | $2291.72 | $2291.72 | $2291.72 | $2291.72 | $2291.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2209.50000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2387.14000<br> $2291.72000<br> $2291.72000<br> $2291.72000<br> $2291.72000<br> $2291.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.900% | 0.000% | 0.000% | 50.300% | $1763.07 | $42313.78 |
| 34418502 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $138310.49 | 4.375% | $733.95 | $894.53 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $894.53 which was applied for the due date of xx/xx/2024. The current monthly P&I is $733.95 with an interest rate of 4.375%. The current UPB reflected as per the payment history is xx | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $894.53 | $0.00 | $994.53 | $1889.06 | $894.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-10-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $894.53000<br> $0.00000<br> $994.53000<br> $1889.06000<br> $894.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.800% | 0.000% | 0.000% | 43.500% | $641.96 | $15407.01 |
| 83011583 | xx | xx | XX | xx | xx |  |  | xx | xx | Rhode Island | xx | $677566.16 | 4.125% | $3683.34 | $7445.53 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $6,733.07 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,683.34 with an interest rate of 4.125%. The current UPB reflected as per the payment history is xx | $6098.81 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $6366.39 | $13891.06 | $7445.53 | $0.00 | $7445.53 | $7445.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $6098.81000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $6366.39000<br> $13891.06000<br> $7445.53000<br> $0.00000<br> $7445.53000<br> $7445.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.400% | 0.000% | 0.000% | 47.700% | $4946.80 | $118723.14 |
| 63828791 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $229033.96 | 4.750% | $1251.95 | $2348.57 | 2024-11-19 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,348.57 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,251.95 with an interest rate of 4.750%. The current UPB reflected as per the payment history is xx | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2079.15 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $2348.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2079.15000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $2348.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.700% | 0.000% | 0.000% | 50.000% | $1660.40 | $39849.48 |
| 42803122 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $312468.09 | 4.500% | $1743.00 | $2175.60 | 2024-11-19 | 2024-12-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,175.60 which was applied to the due date of xx/xx/2024. The unpaid principal balance is xx The current P&I is $1,743.00 and the interest rate is 4.500%.<br>| $2220.49 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2283.41 | $2275.60 | $2275.60 | $2275.60 | $2275.60 | $2275.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2220.49000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2283.41000<br> $2275.60000<br> $2275.60000<br> $2275.60000<br> $2275.60000<br> $2275.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.500% | 0.000% | 0.000% | 52.300% | $1708.31 | $40999.41 |
| 20256789 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $218572.58 | 6.625% | $1402.02 | $1710.08 | 2024-11-15 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,710.08 which was applied for the due date of xx/xx/2024. The current P&I is $1,402.02 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1710.08 | $0.00 | $1710.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1710.08000<br> $0.00000<br> $1710.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $142.51 | $3420.16 |
| 80330729 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $636909.55 | 6.375% | $3977.17 |  | 2024-09-30 | 2024-11-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The details of the last payment received are unable to be determined. The current P&I is $3,977.17 with an interest rate of 6.37500%. The current UPB reflected as per the payment history tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M | M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 46747197 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $184791.81 | 7.000% | $1232.47 | $2020.72 | 2024-11-25 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,020.72, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,232.47 with an interest rate of 7.00%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2020.72 | $2020.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00M | M00 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2020.72000<br> $2020.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $168.39 | $4041.44 |
| 36268592 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $243966.95 | 6.500% | $1580.17 | $1580.17 | 2024-11-01 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,580.17 which was applied for the due date of xx/xx/2024. The current P&I is $1,580.17 with an interest rate of 6.500%. The current UPB reflected as per the tape data is xx<br> As per the document located at "xx," the bulk payment in the amount of $9,481.02 was received from the borrower, which applied to the due dates from xx/xx/2022 to xx/xx/2023. | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $1580.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000444 | 444000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $1580.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1185.13 | $28443.06 |
| 96600794 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $24813.94 | 9.375% | $207.94 | $207.94 | 2024-11-04 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $207.94. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $207.94 | $207.94 | $415.88 | $0.00 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $207.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $207.94000<br> $207.94000<br> $415.88000<br> $0.00000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $207.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.300% | 0.000% | 0.000% | 50.000% | $121.30 | $2911.16 |
| 59597084 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $129412.01 | 7.500% | $908.98 | $1103.06 | 2024-11-11 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,103.06 which was applied for the due date of xx/xx/2024. The current P&I is $908.98 and the interest rate is 7.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1236.21 | $1236.21 | $1103.06 | $1103.06 | $1103.06 | $1103.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1236.21000<br> $1236.21000<br> $1103.06000<br> $1103.06000<br> $1103.06000<br> $1103.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 26.000% | 0.000% | 0.000% | 52.000% | $286.86 | $6884.66 |
| 85797939 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $191909.57 | 7.625% | $1369.58 | $1656.36 | 2024-11-12 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,656.36 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,369.58 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1600.39 | $1600.39 | $1600.39 | $1600.39 | $1600.39 | $1600.39 | $1600.39 | $0.00 | $1600.39 | $3312.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-10-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1600.39000<br> $1600.39000<br> $1600.39000<br> $1600.39000<br> $1600.39000<br> $1600.39000<br> $1600.39000<br> $0.00000<br> $1600.39000<br> $3312.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 40.500% | 0.000% | 0.000% | 40.800% | $671.49 | $16115.84 |
| 4829743 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $116144.91 | 6.500% | $734.78 | $1188.21 | 2024-11-25 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,188.21 which was applied for the due date of xx/xx/2024. The current monthly P&I is $734.78 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1188.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1188.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $49.51 | $1188.21 |
| 302205 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $1445000.00 | 7.125% | $8579.69 | $9911.68 | 2024-12-03 | 2025-01-01 | 0 | The loan is interest only for xx months. According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $9,911.68, which was applied for the due date of xx/xx/2024. The current monthly P&I is $8,579.69 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $9507.00 | $9507.00 | $9507.00 | $9507.00 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9524.02 | $9911.68 | $9911.68 | $9911.68 | $9911.68 | $9911.68 | $9911.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $9507.00000<br> $9507.00000<br> $9507.00000<br> $9507.00000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9524.02000<br> $9911.68000<br> $9911.68000<br> $9911.68000<br> $9911.68000<br> $9911.68000<br> $9911.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.000% | 0.000% | 16.700% | 58.000% | $7633.93 | $183214.26 |
| 55105991 | xx | xx | XX | xx | xx | xx | xx | xx | xx | North Carolina | xx | $274269.39 | 6.875% | $1803.27 | $1803.27 | 2024-12-05 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,803.27. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1803.27 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-12-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1803.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $75.14 | $1803.27 |
| 98697860 | xx | xx | XX | xx | xx |  |  | xx | xx | Connecticut | xx | $341034.28 | 6.875% | $2259.84 | $3002.95 | 2024-11-27 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $2,259.84 and PITI is $3,002.95. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2956.11 | $2956.11 | $2956.11 | $2956.11 | $2956.11 | $2956.11 | $2956.11 | $3002.95 | $3002.95 | $3002.95 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-11-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2956.11000<br> $2956.11000<br> $2956.11000<br> $2956.11000<br> $2956.11000<br> $2956.11000<br> $2956.11000<br> $3002.95000<br> $3002.95000<br> $3002.95000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.200% | 0.000% | 0.000% | 49.600% | $1237.57 | $29701.62 |
| 36397772 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Maryland | xx | $104913.77 | 6.990% | $697.86 | $1041.66 | 2024-12-11 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,041.66, which was applied for the due date of xx/xx/2024. The current monthly P&I is $697.86, and the rate of interest is 6.99%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1041.66 | $0.00 | $1041.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1041.66000<br> $0.00000<br> $1041.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $86.81 | $2083.32 |
| 5034265 | xx | xx | XX | xx | xx |  |  | xx | xx | Idaho | xx | $663811.09 | 4.375% | $3454.06 | $3928.80 | 2024-11-15 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $3,454.06 and interest rate is 4.375%. The UPB reflected as per the payment history is xx. | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $4110.09 | $3881.43 | $0.00 | $3881.43 | $4000.00 | $3928.80 | $4000.00 | $4000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $4110.09000<br> $3881.43000<br> $0.00000<br> $3881.43000<br> $4000.00000<br> $3928.80000<br> $4000.00000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.100% | 0.000% | 0.000% | 42.000% | $2870.94 | $68902.65 |
| 59573688 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Virginia | xx | $364415.06 | 3.875% | $1809.24 | $2357.16 | 2024-12-30 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,357.16, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,809.24 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx. | $2769.98 | $2586.49 | $2586.49 | $2665.09 | $2665.09 | $2665.09 | $2665.09 | $2665.09 | $2665.09 | $2665.09 | $2665.09 | $2339.88 | $2339.88 | $2339.88 | $2339.88 | $2339.88 | $2339.88 | $2357.16 | $2357.16 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000044 | 440000000000000000000000 | 2024-12-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2769.98000<br> $2586.49000<br> $2586.49000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2665.09000<br> $2339.88000<br> $2339.88000<br> $2339.88000<br> $2339.88000<br> $2339.88000<br> $2339.88000<br> $2357.16000<br> $2357.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.900% | 0.000% | 16.700% | 58.000% | $2000.72 | $48017.28 |
| 93237870 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $407840.19 | 6.000% | $2452.57 | $2816.80 | 2024-12-13 | 2025-01-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,816.80, which was applied for the due date of xx/xx/2024. The current interest rate is 6.000%, and P&I is $2,452.57. The UPB as payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2816.80 | $0.00 | $2816.80 | $2816.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-12-09 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2816.80000<br> $0.00000<br> $2816.80000<br> $2816.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $352.10 | $8450.40 |
| 76330573 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $148349.58 | 5.000% | $805.23 | $1322.75 | 2024-12-13 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,322.75 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $805.23 with an interest rate of 5.000%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1322.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2645.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 01MMMMMM0 | 0MMMMMM10 | 2024-12-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1322.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2645.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 16.700% | $165.34 | $3968.25 |
| 34334076 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $129654.03 | 6.625% | $832.40 | $1656.22 | 2024-12-13 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,656.22 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $832.40 with an interest rate of 6.625%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3312.44 | $0.00 | $1656.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-12-09 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3312.44000<br> $0.00000<br> $1656.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $207.03 | $4968.66 |
| 82865174 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $490187.67 | 5.125% | $2683.19 | $2724.77 | 2024-12-04 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2024. The P&I is $2,683.19 and PITI is $2,724.77. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2724.77 | $2724.77 | $2724.77 | $2724.77 | $275.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-11-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2724.77000<br> $2724.77000<br> $2724.77000<br> $2724.77000<br> $275.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 17.100% | 0.000% | 1.700% | 34.200% | $465.60 | $11174.31 |
| 63259446 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $314485.11 | 6.250% | $1945.67 | $2527.33 | 2024-12-04 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,527.33, which was applied for the due date of xx/xx/2024. The current P&I is $1,945.67 with an interest rate of 6.25%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2527.33 | $2527.33 | $2527.33 | $2527.33 | $2527.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2527.33000<br> $2527.33000<br> $2527.33000<br> $2527.33000<br> $2527.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 41.700% | $526.53 | $12636.65 |
| 40596654 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $309152.35 | 4.990% | $1661.72 | $2077.35 | 2024-12-13 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,077.35, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,661.72 with an interest rate of 4.99%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4154.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 01 | 10 | 2024-11-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4154.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $173.11 | $4154.70 |
| 28752985 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $200565.69 | 7.375% | $1397.93 | $2107.32 | 2024-12-13 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,107.32 which was applied for the due date of xx/xx/2024. The current P&I is $1,397.93 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2115.00 | $2115.00 | $2115.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000MMMMMMMM | MMMMMMMM000 | 2024-12-13 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2115.00000<br> $2115.00000<br> $2115.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.100% | $264.38 | $6345.00 |
| 22521560 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $65435.36 | 6.500% | $670.75 | $670.75 | 2024-12-09 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $670.75, which was applied for the due date of xx/xx/2024. The current P&I is $670.75 with an interest rate of 6.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1670.75 | $1970.75 | $1670.75 | $1170.75 | $4670.75 | $1270.75 | $1570.75 | $670.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-12-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1670.75000<br> $1970.75000<br> $1670.75000<br> $1170.75000<br> $4670.75000<br> $1270.75000<br> $1570.75000<br> $670.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 91.100% | 0.000% | 16.700% | 161.500% | $611.08 | $14666.00 |
| 25689997 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $164332.47 | 6.625% | $1292.06 | $1491.98 | 2024-11-24 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,491.98 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,292.06 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $1529.51 | $1529.51 | $1529.51 | $1529.51 | $1529.51 | $1529.51 | $1529.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2203.37 | $1472.66 | $1491.98 | $1491.98 | $1491.98 | $1491.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000444321000000000 | 00000000012344400000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1529.51000<br> $1529.51000<br> $1529.51000<br> $1529.51000<br> $1529.51000<br> $1529.51000<br> $1529.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2203.37000<br> $1472.66000<br> $1491.98000<br> $1491.98000<br> $1491.98000<br> $1491.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 56.800% | 0.000% | 0.000% | 53.900% | $847.94 | $20350.52 |
| 27181856 | xx | xx | XX | xx | xx |  |  | xx | xx | Oklahoma | xx | $141050.00 | 6.125% | $1020.72 |  | 2024-11-24 | 2024-12-01 | 0 | The loan was originated on xx/xx/2024 and the first payment date is xx/xx/2024. As per the review of seller's tape data as of xx/xx/2024, the next due date is xx/xx/2024. As per tape, the current P&I is $1,020.72 and interest rate is 6.125%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 8092825 | xx | xx | XX | xx | xx |  |  | xx | xx | Tennessee | xx | $364587.27 | 6.490% | $2321.38 | $2746.27 | 2024-12-12 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,746.27 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,321.38 with an interest rate of 6.490%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2746.27 | $2746.27 | $2746.27 | $2746.27 | $2746.27 | $2746.27 | $2746.27 | $0.00 | $5492.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-11-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2746.27000<br> $2746.27000<br> $2746.27000<br> $2746.27000<br> $2746.27000<br> $2746.27000<br> $2746.27000<br> $0.00000<br> $5492.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 0.000% | 50.000% | $1029.85 | $24716.43 |
| 6781910 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $211586.85 | 6.125% | $1288.13 | $1528.81 | 2024-12-12 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,288.13 and PITI is $1,528.81. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1528.81 | $0.00 | $1528.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1528.81000<br> $0.00000<br> $1528.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $127.40 | $3057.62 |
| 4221534 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $149241.81 | 7.125% | $1012.94 | $1279.62 | 2024-12-12 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024 the borrower is current with the loan with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,279.62, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,012.94 and the rate of interest is 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $1279.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $1279.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 16.700% | 58.300% | $479.86 | $11516.58 |
| 3575549 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $233208.30 | 6.900% | $1538.49 | $1915.44 | 2024-12-17 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,538.49 and PITI is $1,915.44. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1915.44 | $1915.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1915.44000<br> $1915.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $159.62 | $3830.88 |
| 26167855 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Indiana | xx | $299469.18 | 6.625% | $1920.93 | $2208.14 | 2025-01-21 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2024, which was applied for the due date of xx/xx/2024 and the next due date for payment is xx/xx/2025. The P&I is $1,920.93 and PITI is $2,208.14. The UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2208.14 | $2208.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-11-20 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2208.14000<br> $2208.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 0.000% | 16.700% | $184.01 | $4416.28 |
| 34895626 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Virginia | xx | $203006.80 | 6.000% | $1236.25 | $1407.84 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,407.84, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,236.25 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $2972.12 | $1488.56 | $1488.56 | $1488.56 | $1396.20 | $0.00 | $2782.40 | $1391.20 | $1391.20 | $1391.20 | $1391.20 | $1391.20 | $1391.20 | $1407.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000001000001 | 100000100000000 | 2024-11-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2972.12000<br> $1488.56000<br> $1488.56000<br> $1488.56000<br> $1396.20000<br> $0.00000<br> $2782.40000<br> $1391.20000<br> $1391.20000<br> $1391.20000<br> $1391.20000<br> $1391.20000<br> $1391.20000<br> $1407.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.300% | 0.000% | 0.000% | 49.500% | $890.48 | $21371.44 |
| 72458494 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $183628.88 | 5.875% | $1018.45 | $1995.38 | 2024-12-12 | 2024-11-01 | 1 | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,995.38 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $1,018.45, with an interest rate of 5.875%. The current UPB is xx. | $0.00 | $3932.02 | $1915.09 | $1915.09 | $1966.01 | $1915.09 | $1915.09 | $1915.09 | $1915.09 | $1915.09 | $1995.38 | $1995.38 | $1995.38 | $1995.38 | $2006.30 | $2137.22 | $0.00 | $1995.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 110000000000000001000001 | 100000100000000000000011 | 2024-11-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $3932.02000<br> $1915.09000<br> $1915.09000<br> $1966.01000<br> $1915.09000<br> $1915.09000<br> $1915.09000<br> $1915.09000<br> $1915.09000<br> $1995.38000<br> $1995.38000<br> $1995.38000<br> $1995.38000<br> $2006.30000<br> $2137.22000<br> $0.00000<br> $1995.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.800% | 0.000% | 0.000% | 42.300% | $1392.67 | $33424.08 |
| 31180845 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $422770.57 | 6.000% | $2555.43 | $2899.59 | 2024-11-18 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,899.59 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,555.43 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2899.59 | $2899.59 | $2899.59 | $2899.59 | $2899.59 | $2899.59 | $2899.59 | $2899.59 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $2899.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 0.000% | 50.000% | $966.53 | $23196.72 |
| 38252994 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $598491.84 | 7.875% | $4342.47 | $5156.30 | 2024-12-12 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $5,156.30, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,342.47 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5156.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1 | 1 | 2024-12-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5156.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $214.85 | $5156.30 |
| 95863165 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $244717.05 | 8.750% | $1927.42 | $2431.25 | 2024-12-17 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,431.25, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,927.42 with an interest rate of 8.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2431.25 | $0.00 | $2431.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2431.25000<br> $0.00000<br> $2431.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $202.60 | $4862.50 |
| 27876923 | xx | xx | XX | xx | xx |  |  | xx | xx | Colorado | xx | $967500.00 | 8.500% |  |  | 2024-12-05 | 2025-01-01 | 0 | The loan is originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per seller tape data as of xx/xx/2024, the next due date is xx/xx/2025 and the interest rate is 8.50%, and the current P&I is $7,439.24. The current UPB reflected is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 95178369 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $223594.43 | 7.625% | $1584.89 | $2022.00 | 2024-12-07 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,022.00 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,584.89 with an interest rate of 7.625%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2021.58 | $2022.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2021.58000<br> $2022.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $168.48 | $4043.58 |
| 58331773 | xx | xx | XX | xx | xx |  |  | xx | xx | Wyoming | xx | $49920.26 | 8.500% | $433.91 | $433.91 | 2024-12-13 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $433.91 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $433.91 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $433.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-11-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $433.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $18.08 | $433.91 |
| 97127134 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $133930.04 | 6.750% | $875.61 | $1094.33 | 2024-12-20 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,094.33 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $875.61 with an interest rate of $1,094.33. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1054.11 | $1054.11 | $1054.11 | $1054.11 | $1054.11 | $1054.11 | $1054.11 | $1094.33 | $1094.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2024-12-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1054.11000<br> $1054.11000<br> $1054.11000<br> $1054.11000<br> $1054.11000<br> $1054.11000<br> $1054.11000<br> $1094.33000<br> $1094.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 36.400% | 0.000% | 16.700% | 56.800% | $398.64 | $9567.43 |
| 41487655 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $148894.41 | 6.500% | $948.10 | $1584.37 | 2024-12-18 | 2025-01-01 | 0 | As per the review of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024, in the amount of $1,584.37, which was applied for the due date of xx/xx/2024. The current P&I is $948.10, with an interest rate of 6.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1586.16 | $1586.16 | $0.00 | $3170.53 | $1584.37 | $1584.37 | $1584.37 | $0.00 | $1584.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1586.16000<br> $1586.16000<br> $0.00000<br> $3170.53000<br> $1584.37000<br> $1584.37000<br> $1584.37000<br> $0.00000<br> $1584.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 16.700% | 50.000% | $528.35 | $12680.33 |
| 30760108 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $1099075.86 | 6.875% | $7226.22 | $10309.07 | 2024-12-03 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $10,309.07, which was applied for the due date of xx/xx/2024. The current monthly P&I is $7,226.22 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $10309.07 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $10309.07000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $429.54 | $10309.07 |
| 52989752 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $405865.84 | 3.750% | $1979.82 | $3428.56 | 2024-12-02 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,428.56 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,979.82 with an interest rate of 3.750%. The current UPB reflected as per the payment history is xx. | $3102.28 | $3679.03 | $3679.03 | $3125.53 | $3125.53 | $3125.53 | $3125.53 | $3125.53 | $3125.53 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $3428.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3102.28000<br> $3679.03000<br> $3679.03000<br> $3125.53000<br> $3125.53000<br> $3125.53000<br> $3125.53000<br> $3125.53000<br> $3125.53000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $3428.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.000% | 0.000% | 0.000% | 50.000% | $2502.94 | $60070.56 |
| 24993785 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $989377.85 | 5.250% | $5469.65 | $7284.34 | 2024-12-10 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $7,284.34, which was applied for the due date of xx/xx/2024. The current monthly P&I is $5,469.65 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7284.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-12-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7284.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $303.51 | $7284.34 |
| 60769179 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $355104.05 | 2.750% | $1583.98 | $1583.98 | 2024-12-03 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,583.98, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,583.98, and the rate of interest is 2.75%. The current UPB reflected as per the payment history is xx. | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $0.00 | $1583.98 | $1583.98 | $1583.98 | $1583.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $0.00000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $1583.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 16.700% | 50.000% | $1187.99 | $28511.64 |
| 36395851 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $89007.54 | 7.990% | $654.27 | $1147.72 | 2024-11-30 | 2024-06-01 | 5 | As per the review of payment history as of xx/xx/2024, the borrower is 6 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024, in the amount of $1,147.72 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $654.27, and the interest rate is 7.990%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1147.72 | $0.00 | $0.00 | $1147.72 | $2295.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4443212210 | 0122123444 | 2024-06-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1147.72000<br> $0.00000<br> $0.00000<br> $1147.72000<br> $2295.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 0.000% | 16.700% | $191.29 | $4590.88 |
| 47152150 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $224453.90 | 8.625% | $1749.96 | $2168.76 | 2024-12-17 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,168.76, which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,749.96, and the rate of interest is 8.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4337.52 | $0.00 | $2168.76 | $2168.76 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4337.52000<br> $0.00000<br> $2168.76000<br> $2168.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $361.46 | $8675.04 |
| 17276440 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $511214.16 | 4.625% | $2392.94 | $3118.03 | 2024-12-31 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,118.03, which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,392.94 with an interest rate of 4.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $18550.74 | $3089.68 | $3089.68 | $6179.36 | $0.00 | $3089.68 | $3209.33 | $3089.68 | $3151.12 | $3118.03 | $3118.03 | $3118.03 | $3118.03 | $3118.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000443210000 | 00001234400000000000000M | 2024-11-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $18550.74000<br> $3089.68000<br> $3089.68000<br> $6179.36000<br> $0.00000<br> $3089.68000<br> $3209.33000<br> $3089.68000<br> $3151.12000<br> $3118.03000<br> $3118.03000<br> $3118.03000<br> $3118.03000<br> $3118.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.900% | 0.000% | 0.000% | 50.100% | $2459.98 | $59039.42 |
| 34870421 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $12532.98 | 8.750% | $178.35 | $284.00 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $178.35 and the interest rate is 8.750%. | $294.87 | $294.87 | $294.87 | $337.23 | $337.23 | $337.23 | $337.23 | $337.23 | $337.23 | $674.46 | $0.00 | $337.23 | $337.23 | $337.23 | $337.23 | $284.00 | $284.00 | $284.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000012 | 21000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $294.87000<br> $294.87000<br> $294.87000<br> $337.23000<br> $337.23000<br> $337.23000<br> $337.23000<br> $337.23000<br> $337.23000<br> $674.46000<br> $0.00000<br> $337.23000<br> $337.23000<br> $337.23000<br> $337.23000<br> $284.00000<br> $284.00000<br> $284.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.800% | 0.000% | 0.000% | 54.700% | $240.97 | $5783.37 |
| 94536253 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $372356.65 | 3.875% | $1793.71 | $2878.86 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $1,793.71, and the interest rate is 3.875%. The UPB is xx. As per the tape data, the deferment amount is xx, and deferment agreements are located at xx. | $2587.90 | $2587.90 | $2613.38 | $0.00 | $5213.38 | $2689.72 | $2689.72 | $2890.40 | $3000.00 | $2890.40 | $2890.40 | $2890.40 | $2878.86 | $2878.86 | $2968.55 | $2878.86 | $2968.55 | $2878.86 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000322222321 | 12322222300000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2587.90000<br> $2587.90000<br> $2613.38000<br> $0.00000<br> $5213.38000<br> $2689.72000<br> $2689.72000<br> $2890.40000<br> $3000.00000<br> $2890.40000<br> $2890.40000<br> $2890.40000<br> $2878.86000<br> $2878.86000<br> $2968.55000<br> $2878.86000<br> $2968.55000<br> $2878.86000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.900% | 0.000% | 0.000% | 50.500% | $2099.84 | $50396.14 |
| 46062353 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $385281.03 | 4.649% | $2701.62 | $3767.99 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $2,701.62 and the interest rate is 4.649%. | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3703.90 | $3767.99 | $3767.99 | $3767.99 | $3767.99 | $3767.99 | $3767.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3703.90000<br> $3767.99000<br> $3767.99000<br> $3767.99000<br> $3767.99000<br> $3767.99000<br> $3767.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.100% | 0.000% | 0.000% | 50.000% | $2793.95 | $67054.74 |
| 71599809 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $134077.04 | 3.375% | $774.25 | $1277.90 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $774.25 with an interest rate of 3.375%. The current UPB reflected as per the tape data is xx and the deferred balance is xx‬. | $1183.19 | $1183.19 | $1229.60 | $1229.60 | $1260.00 | $1260.00 | $1260.00 | $1260.00 | $1299.60 | $1299.60 | $1299.60 | $0.00 | $2459.20 | $1299.60 | $1277.90 | $1277.90 | $1277.90 | $1277.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000010000000000000100 | 00100000000000001000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1183.19000<br> $1183.19000<br> $1229.60000<br> $1229.60000<br> $1260.00000<br> $1260.00000<br> $1260.00000<br> $1260.00000<br> $1299.60000<br> $1299.60000<br> $1299.60000<br> $0.00000<br> $2459.20000<br> $1299.60000<br> $1277.90000<br> $1277.90000<br> $1277.90000<br> $1277.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.800% | 0.000% | 0.000% | 57.800% | $943.12 | $22634.78 |
| 37386818 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $516158.57 | 1.228% | $2232.75 | $2232.75 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,232.75, and the interest rate is 1.228%. The UPB is xx. | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $2232.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $2232.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1674.56 | $40189.50 |
| 53361066 | xx | xx | XX | xx | xx |  |  | xx | xx | Pennsylvania | xx | $17391.59 | 9.500% | $403.62 | $543.68 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $403.62, and the interest rate is 9.500%. The UPB is xx. | $553.18 | $553.18 | $1106.36 | $0.00 | $553.18 | $552.23 | $552.23 | $552.23 | $1104.46 | $0.00 | $552.23 | $552.23 | $552.23 | $552.23 | $552.84 | $552.84 | $552.84 | $543.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $553.18000<br> $553.18000<br> $1106.36000<br> $0.00000<br> $553.18000<br> $552.23000<br> $552.23000<br> $552.23000<br> $1104.46000<br> $0.00000<br> $552.23000<br> $552.23000<br> $552.23000<br> $552.23000<br> $552.84000<br> $552.84000<br> $552.84000<br> $543.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.200% | 0.000% | 0.000% | 50.700% | $414.09 | $9938.17 |
| 3979185 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $116095.49 | 4.780% | $1216.99 | $1216.99 | 2024-12-13 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,216.99, and the interest rate is 4.780%. The UPB is xx. | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $1216.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $1216.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $912.74 | $21905.82 |
| 50578228 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $132866.68 | 3.375% | $612.87 | $1091.77 | 2024-12-31 | 2025-01-01 | 0 | As per tape data payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine last payment was receive. The current monthly P&I is $612.87 with an interest rate of 3.375%. The current UPB reflected as per tape is xx and deferred balance is xx | $2368.45 | $0.00 | $1029.83 | $2184.60 | $1092.30 | $1029.43 | $1029.43 | $1029.43 | $2121.20 | $0.00 | $2183.54 | $1091.77 | $1091.77 | $1091.77 | $1091.77 | $0.00 | $2183.54 | $1091.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000011011110 | 011110110000000000000000 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2368.45000<br> $0.00000<br> $1029.83000<br> $2184.60000<br> $1092.30000<br> $1029.43000<br> $1029.43000<br> $1029.43000<br> $2121.20000<br> $0.00000<br> $2183.54000<br> $1091.77000<br> $1091.77000<br> $1091.77000<br> $1091.77000<br> $0.00000<br> $2183.54000<br> $1091.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.900% | 0.000% | 0.000% | 50.000% | $904.61 | $21710.60 |
| 96163802 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $169875.40 | 4.000% | $951.62 | $951.62 | 2024-12-31 | 2025-01-01 | 0 | As per the review of payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $951.62, and the rate of interest is 4.00%. The current UPB per tape data is xx | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $951.62 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $951.62000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $713.72 | $17129.16 |
| 79278659 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $63705.11 | 4.500% | $303.90 | $773.75 | 2024-12-31 | 2025-01-01 | 0 | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The P&I is $303.90 with an interest rate of 4.50%. The current UPB is $63,705.11, and the deferred balance is xx.<br> The deferment agreement of 2021 is located at "xx."<br> The deferment agreement of 2023 is located at "xx" | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5583.96 | $620.44 | $620.44 | $661.32 | $661.32 | $1322.64 | $773.75 | $773.75 | $773.75 | $0.00 | $773.75 | $773.75 | $773.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M000000000000044444444MM | MM444444440000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5583.96000<br> $620.44000<br> $620.44000<br> $661.32000<br> $661.32000<br> $1322.64000<br> $773.75000<br> $773.75000<br> $773.75000<br> $0.00000<br> $773.75000<br> $773.75000<br> $773.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.000% | 0.000% | 0.000% | 41.700% | $588.03 | $14112.62 |
| 2597184 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $88649.84 | 4.500% | $961.71 | $1543.09 | 2024-12-31 | 2025-02-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $961.71, and the interest rate is 4.500%. The UPB is xx. | $1445.81 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $1450.00 | $0.00 | $2990.00 | $1543.09 | $3143.18 | $1543.09 | $1543.09 | $1543.09 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000001000000000000000 | 00000000000000010000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1445.81000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $1450.00000<br> $0.00000<br> $2990.00000<br> $1543.09000<br> $3143.18000<br> $1543.09000<br> $1543.09000<br> $1543.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.300% | 0.000% | 0.000% | 66.500% | $1177.14 | $28251.35 |
| 33499576 | xx | xx | XX | xx | xx |  |  | xx | xx | Oregon | xx | $51274.29 | 5.500% | $368.42 | $599.66 | 2024-12-31 | 2025-03-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $368.42 and interest rate is 5.500%. The UPB is xx. | $633.48 | $633.48 | $633.48 | $633.48 | $1266.96 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $599.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $633.48000<br> $633.48000<br> $633.48000<br> $633.48000<br> $1266.96000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $599.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.600% | 0.000% | 0.000% | 50.000% | $483.19 | $11596.46 |
| 21224248 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $27329.56 | 8.150% | $187.79 | $193.77 | 2024-12-31 | 2025-01-16 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $187.79 and the interest rate is 8.150%. | $190.82 | $213.25 | $199.92 | $211.26 | $212.38 | $205.54 | $212.38 | $205.53 | $205.16 | $218.64 | $198.14 | $0.00 | $416.78 | $222.05 | $198.14 | $218.64 | $211.05 | $193.77 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000010000000000000000 | 00000000000000001000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $190.82000<br> $213.25000<br> $199.92000<br> $211.26000<br> $212.38000<br> $205.54000<br> $212.38000<br> $205.53000<br> $205.16000<br> $218.64000<br> $198.14000<br> $0.00000<br> $416.78000<br> $222.05000<br> $198.14000<br> $218.64000<br> $211.05000<br> $193.77000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.300% | 0.000% | 0.000% | 62.800% | $155.56 | $3733.45 |
| 20480832 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $79951.86 | 7.400% | $495.33 | $495.33 | 2024-12-31 | 2025-01-25 | 0 | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $495.33, and PITI is $495.33 with an interest rate of 7.40%. The current UPB is xx. | $550.68 | $553.42 | $518.82 | $588.79 | $570.40 | $551.99 | $570.40 | $552.00 | $568.88 | $550.49 | $550.49 | $568.84 | $550.49 | $550.48 | $568.84 | $568.84 | $556.82 | $517.72 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $550.68000<br> $553.42000<br> $518.82000<br> $588.79000<br> $570.40000<br> $551.99000<br> $570.40000<br> $552.00000<br> $568.88000<br> $550.49000<br> $550.49000<br> $568.84000<br> $550.49000<br> $550.48000<br> $568.84000<br> $568.84000<br> $556.82000<br> $517.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 84.200% | 0.000% | 0.000% | 55.700% | $417.02 | $10008.39 |
| 47258801 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $286559.12 | 4.625% | $2176.39 | $3018.81 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is $2,176.39, and the interest rate is 4.625%. The UPB is xx. | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3046.09 | $3018.81 | $3018.81 | $3018.81 | $3018.81 | $3018.81 | $3018.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3046.09000<br> $3018.81000<br> $3018.81000<br> $3018.81000<br> $3018.81000<br> $3018.81000<br> $3018.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 50.000% | $2277.75 | $54665.94 |
| 2852278 | xx | xx | XX | xx | xx |  |  | xx | xx | Kansas | xx | $26612.71 | 6.000% | $321.85 | $693.71 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $321.85 with an interest rate of 6.00%. The current UPB is xx‬. | $526.73 | $526.73 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $603.66 | $693.71 | $693.71 | $693.71 | $693.71 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $526.73000<br> $526.73000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $603.66000<br> $693.71000<br> $693.71000<br> $693.71000<br> $693.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.500% | 0.000% | 0.000% | 47.800% | $461.34 | $11072.22 |
| 5535327 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $31706.45 | 4.000% | $231.53 | $597.34 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $231.53 with an interest rate of 4.00%. The current UPB is $31,706.45, and the deferred balance is xx. | $1107.82 | $0.00 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $553.91 | $597.34 | $597.34 | $597.34 | $597.34 | $597.34 | $597.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1107.82000<br> $0.00000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $553.91000<br> $597.34000<br> $597.34000<br> $597.34000<br> $597.34000<br> $597.34000<br> $597.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.400% | 0.000% | 0.000% | 50.000% | $426.29 | $10230.96 |
| 34576415 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $174357.93 | 5.000% | $1985.58 | $1985.58 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,985.58 and interest rate is 5.000%. The UPB is xx. | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $0.00 | $1985.58 | $4485.58 | $2500.00 | $0.00 | $2500.00 | $0.00 | $5956.74 | $1985.58 | $2500.00 | $0.00 | $2000.00 | $2000.00 | $1985.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000001000000000000000 | 00000000000000010000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $0.00000<br> $1985.58000<br> $4485.58000<br> $2500.00000<br> $0.00000<br> $2500.00000<br> $0.00000<br> $5956.74000<br> $1985.58000<br> $2500.00000<br> $0.00000<br> $2000.00000<br> $2000.00000<br> $1985.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.500% | 0.000% | 0.000% | 43.900% | $1579.13 | $37899.06 |
| 62108225 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $19907.50 | 3.950% | $199.64 | $343.47 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $199.64 and PITI is $343.47. The UPB is xx. | $359.12 | $359.12 | $359.12 | $359.12 | $359.12 | $359.12 | $399.12 | $359.12 | $359.12 | $359.12 | $343.47 | $343.47 | $343.47 | $343.47 | $343.47 | $343.47 | $343.47 | $343.47 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $359.12000<br> $359.12000<br> $359.12000<br> $359.12000<br> $359.12000<br> $359.12000<br> $399.12000<br> $359.12000<br> $359.12000<br> $359.12000<br> $343.47000<br> $343.47000<br> $343.47000<br> $343.47000<br> $343.47000<br> $343.47000<br> $343.47000<br> $343.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.400% | 0.000% | 0.000% | 50.000% | $265.79 | $6378.96 |
| 81192067 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Oregon | xx | $23159.41 | 7.625% | $722.41 | $1040.08 | 2024-12-31 | 2025-02-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $722.41 and interest rate is 7.625%. The UPB is xx. | $1026.01 | $1026.01 | $1026.01 | $1026.01 | $1026.01 | $1026.01 | $2066.09 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $1040.08 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1026.01000<br> $1026.01000<br> $1026.01000<br> $1026.01000<br> $1026.01000<br> $1026.01000<br> $2066.09000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $1040.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.800% | 0.000% | 0.000% | 50.000% | $819.29 | $19663.03 |
| 73820180 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $192615.82 | 3.310% | $898.97 | $1294.50 | 2024-12-31 | 2025-01-01 | 0 | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are. The current P&I is $898.97 with an interest rate of 3.310%.The current UPB is xx, and the deferred balance is xx. The deferred document is located at xx. | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1269.01 | $1294.50 | $1294.50 | $1294.50 | $1294.50 | $1294.50 | $1294.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1269.01000<br> $1294.50000<br> $1294.50000<br> $1294.50000<br> $1294.50000<br> $1294.50000<br> $1294.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.000% | 0.000% | 0.000% | 50.000% | $958.13 | $22995.12 |
| 58377242 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $220144.35 | 4.250% | $1015.11 | $1484.83 | 2024-12-31 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $1,015.11 with an interest rate of 4.250%. The current UPB is $220,144.35 and the deferred balance is xx. The deferment agreement is located at "xx. | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1455.33 | $1484.83 | $1484.83 | $1484.83 | $1484.83 | $1484.83 | $1484.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1455.33000<br> $1484.83000<br> $1484.83000<br> $1484.83000<br> $1484.83000<br> $1484.83000<br> $1484.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.000% | 0.000% | 0.000% | 50.000% | $1098.87 | $26372.94 |
| 9210883 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $50170.09 | 7.000% | $343.12 | $754.56 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $343.12 and interest rate is 7.00%. The UPB is xx. | $691.07 | $691.07 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $760.29 | $774.56 | $754.56 | $754.56 | $754.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $691.07000<br> $691.07000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $760.29000<br> $774.56000<br> $754.56000<br> $754.56000<br> $754.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.800% | 0.000% | 0.000% | 50.300% | $564.33 | $13543.86 |
| 58826205 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $335600.60 | 3.625% | $1837.08 | $3100.00 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,837.08, and the interest rate is 3.625%. The UPB is xx. | $2962.52 | $2962.52 | $2962.52 | $2962.52 | $2962.52 | $2962.52 | $2962.52 | $2962.52 | $3000.00 | $3000.00 | $3000.00 | $7083.45 | $0.00 | $3551.36 | $3551.36 | $3100.00 | $4051.36 | $3100.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2962.52000<br> $2962.52000<br> $2962.52000<br> $2962.52000<br> $2962.52000<br> $2962.52000<br> $2962.52000<br> $2962.52000<br> $3000.00000<br> $3000.00000<br> $3000.00000<br> $7083.45000<br> $0.00000<br> $3551.36000<br> $3551.36000<br> $3100.00000<br> $4051.36000<br> $3100.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.800% | 0.000% | 0.000% | 46.700% | $2380.74 | $57137.69 |
| 99569100 | xx | xx | XX | xx | xx | xx | xx | xx | xx | North Carolina | xx | $28298.72 | 4.625% | $145.50 | $242.97 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $145.50 with an interest rate of 4.625%. The current UPB is xx. | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $241.27 | $221.41 | $262.83 | $262.83 | $262.83 | $262.83 | $262.83 | $242.97 | $262.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $241.27000<br> $221.41000<br> $262.83000<br> $262.83000<br> $262.83000<br> $262.83000<br> $262.83000<br> $242.97000<br> $262.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.400% | 0.000% | 0.000% | 53.400% | $185.59 | $4454.06 |
| 28496339 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $44395.19 | 4.500% | $516.45 | $892.49 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. As per the tape, the current unpaid principal balance is xx. The current P&I is $516.45 and the interest rate is 4.500%.<br>| $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $844.79 | $892.49 | $892.49 | $892.49 | $892.49 | $892.49 | $892.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $844.79000<br> $892.49000<br> $892.49000<br> $892.49000<br> $892.49000<br> $892.49000<br> $892.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.300% | 0.000% | 0.000% | 50.000% | $645.52 | $15492.42 |
| 62935259 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $31211.95 | 8.250% | $698.68 | $942.70 | 2024-12-31 | 2025-02-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $698.68 and interest rate is 8.250%. The UPB is xx. | $847.92 | $952.18 | $952.18 | $952.18 | $952.18 | $952.18 | $952.18 | $847.92 | $952.18 | $942.70 | $942.70 | $942.70 | $942.70 | $942.70 | $942.70 | $942.70 | $942.70 | $942.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $847.92000<br> $952.18000<br> $952.18000<br> $952.18000<br> $952.18000<br> $952.18000<br> $952.18000<br> $847.92000<br> $952.18000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $942.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 50.000% | $701.89 | $16845.40 |
| 394512 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $98406.79 | 5.125% | $708.10 | $1114.16 | 2024-12-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The rate of interest is 5.125%, and the P&I payment is $708.10. The current UPB is xx. | $1105.97 | $1105.97 | $0.00 | $2211.96 | $1105.97 | $1105.97 | $1105.97 | $1105.97 | $1105.97 | $1105.97 | $1105.97 | $1105.97 | $1114.01 | $1114.16 | $1114.16 | $1114.16 | $1114.06 | $1114.16 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000001000000 | 0000001000000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1105.97000<br> $1105.97000<br> $0.00000<br> $2211.96000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1105.97000<br> $1114.01000<br> $1114.16000<br> $1114.16000<br> $1114.16000<br> $1114.06000<br> $1114.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.600% | 0.000% | 0.000% | 50.000% | $831.52 | $19956.37 |
| 45538506 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $37623.79 | 9.910% | $613.59 | $861.57 | 2024-12-31 | 2025-03-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $613.59 with an interest rate of 9.910%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $1599.80 | $1041.33 | $0.00 | $2800.00 | $0.00 | $799.90 | $799.90 | $799.90 | $861.57 | $1723.14 | $861.57 | $0.00 | $1138.43 | $1200.00 | $861.57 | $861.57 | $861.57 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000010010124 | 4210100100000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $1599.80000<br> $1041.33000<br> $0.00000<br> $2800.00000<br> $0.00000<br> $799.90000<br> $799.90000<br> $799.90000<br> $861.57000<br> $1723.14000<br> $861.57000<br> $0.00000<br> $1138.43000<br> $1200.00000<br> $861.57000<br> $861.57000<br> $861.57000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.400% | 0.000% | 0.000% | 47.600% | $675.43 | $16210.25 |
| 52738924 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Oregon | xx | $29184.66 | 4.000% | $663.40 | $978.75 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $663.40, and the interest rate is 4.000%. The UPB is xx. | $927.95 | $927.95 | $927.95 | $927.95 | $927.95 | $927.95 | $927.95 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $978.75 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $927.95000<br> $927.95000<br> $927.95000<br> $927.95000<br> $927.95000<br> $927.95000<br> $927.95000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $978.75000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.500% | 0.000% | 0.000% | 50.000% | $719.25 | $17261.90 |
| 44735680 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $550888.91 | 3.500% | $2207.17 | $4528.53 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $2,207.17 and the interest rate is 3.500%. | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4574.85 | $4528.53 | $4528.53 | $4528.53 | $4528.53 | $4528.53 | $4528.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4574.85000<br> $4528.53000<br> $4528.53000<br> $4528.53000<br> $4528.53000<br> $4528.53000<br> $4528.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 50.000% | $3419.56 | $82069.38 |
| 45772514 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $318011.10 | 4.125% | $1570.74 | $2173.50 | 2024-12-31 | 2025-01-01 | 0 | According to the tape data payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,570.74, and the interest rate is 4.125%. The UPB is $xx. The total deferred balance is xx | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2122.65 | $2130.00 | $2122.65 | $2122.65 | $2173.50 | $2173.50 | $2173.50 | $2173.50 | $2173.50 | $2173.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2122.65000<br> $2130.00000<br> $2122.65000<br> $2122.65000<br> $2173.50000<br> $2173.50000<br> $2173.50000<br> $2173.50000<br> $2173.50000<br> $2173.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.800% | 0.000% | 0.000% | 50.000% | $1605.01 | $38520.15 |
| 21259273 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $108079.93 | 7.500% | $717.51 | $1761.87 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $717.51 and the interest rate is 7.500%. | $3878.96 | $0.00 | $1939.48 | $3878.96 | $0.00 | $1939.48 | $1814.85 | $1814.85 | $1814.85 | $1814.85 | $1761.87 | $1761.87 | $1761.87 | $1761.87 | $1761.87 | $1761.87 | $1761.87 | $1761.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000044 | 44000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3878.96000<br> $0.00000<br> $1939.48000<br> $3878.96000<br> $0.00000<br> $1939.48000<br> $1814.85000<br> $1814.85000<br> $1814.85000<br> $1814.85000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $1761.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.000% | 0.000% | 0.000% | 50.000% | $1374.64 | $32991.24 |
| 74586557 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $615697.61 | 2.750% | $2199.86 | $4175.50 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $2,199.86, and the interest rate is 2.750%. The UPB is $615,697.61. As per the tape data, the deferred amount is xx. | $0.00 | $4239.03 | $4239.03 | $4239.03 | $8478.06 | $0.00 | $4239.03 | $8478.06 | $0.00 | $8478.06 | $0.00 | $4239.03 | $4175.50 | $4175.50 | $4175.50 | $4175.50 | $4175.50 | $4175.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000210 | 01200000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $4239.03000<br> $4239.03000<br> $4239.03000<br> $8478.06000<br> $0.00000<br> $4239.03000<br> $8478.06000<br> $0.00000<br> $8478.06000<br> $0.00000<br> $4239.03000<br> $4175.50000<br> $4175.50000<br> $4175.50000<br> $4175.50000<br> $4175.50000<br> $4175.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.500% | 0.000% | 0.000% | 50.000% | $2986.76 | $71682.33 |
| 72493827 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $393755.75 | 3.375% | $1569.86 | $2331.29 | 2024-12-31 | 2025-02-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,569.86 and PITI is $2,331.29. The UPB is xx. <br> The deferred agreement is located at xx | $2220.61 | $2220.61 | $2236.65 | $2236.65 | $2236.65 | $2236.65 | $6473.30 | $0.00 | $2631.29 | $2331.29 | $3488.27 | $2331.29 | $2331.29 | $2331.29 | $2331.29 | $2331.29 | $2331.29 | $2331.29 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000022222222 | 2222222200000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2220.61000<br> $2220.61000<br> $2236.65000<br> $2236.65000<br> $2236.65000<br> $2236.65000<br> $6473.30000<br> $0.00000<br> $2631.29000<br> $2331.29000<br> $3488.27000<br> $2331.29000<br> $2331.29000<br> $2331.29000<br> $2331.29000<br> $2331.29000<br> $2331.29000<br> $2331.29000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.800% | 0.000% | 0.000% | 50.000% | $1859.63 | $44631.00 |
| 39634485 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $267344.97 | 4.250% | $1484.91 | $1815.42 | 2024-12-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $1,484.91 and the interest rate is 4.250%. | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1835.16 | $1815.42 | $1815.42 | $1815.42 | $1815.42 | $1815.42 | $1815.42 | $1815.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1835.16000<br> $1815.42000<br> $1815.42000<br> $1815.42000<br> $1815.42000<br> $1815.42000<br> $1815.42000<br> $1815.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 50.000% | $1370.61 | $32894.70 |
| 11922486 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $188976.05 | 4.000% | $962.28 | $1495.04 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $962.28 and interest rate is 4.000%. The UPB is xx. Tape shows the deferred balance is xx. | $1474.66 | $1474.66 | $1474.66 | $0.00 | $2949.32 | $1474.66 | $1474.66 | $1474.66 | $1474.66 | $1474.66 | $1474.66 | $1474.66 | $1495.04 | $1495.04 | $1495.04 | $1495.04 | $1495.04 | $1495.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000100000000 | 00000000100000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1474.66000<br> $1474.66000<br> $1474.66000<br> $0.00000<br> $2949.32000<br> $1474.66000<br> $1474.66000<br> $1474.66000<br> $1474.66000<br> $1474.66000<br> $1474.66000<br> $1474.66000<br> $1495.04000<br> $1495.04000<br> $1495.04000<br> $1495.04000<br> $1495.04000<br> $1495.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 50.000% | $1111.09 | $26666.16 |
| 29566173 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $259401.51 | 4.750% | $1445.04 | $2707.91 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $1,445.04 with an interest rate of 4.750%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx. | $2595.34 | $2595.34 | $2600.00 | $2595.34 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2600.00 | $2707.91 | $2710.00 | $2710.00 | $2710.00 | $2710.00 | $2710.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2595.34000<br> $2595.34000<br> $2600.00000<br> $2595.34000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2600.00000<br> $2707.91000<br> $2710.00000<br> $2710.00000<br> $2710.00000<br> $2710.00000<br> $2710.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.000% | 0.000% | 0.000% | 50.000% | $1976.83 | $47443.93 |
| 80701347 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $128048.67 | 3.500% | $778.13 | $1032.74 | 2024-12-31 | 2025-02-01 | 0 | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $778.13 and interest rate is 3.50%. The UPB is xx. | $2050.06 | $1025.03 | $1025.03 | $1025.03 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1020.54 | $1032.74 | $1032.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2050.06000<br> $1025.03000<br> $1025.03000<br> $1025.03000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1020.54000<br> $1032.74000<br> $1032.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.400% | 0.000% | 0.000% | 49.600% | $809.88 | $19437.11 |
| 6819520 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $600366.78 | 3.350% | $2775.68 | $4458.14 | 2024-12-31 | 2024-12-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2024. Details of the last payment received are not available. As per tape, the current P&I is $2,775.68, and the interest rate is 3.35%. The UPB is xx. | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4413.93 | $4458.14 | $4458.14 | $8916.28 | $0.00 | $4458.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000000000 | 0000000000000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4413.93000<br> $4458.14000<br> $4458.14000<br> $8916.28000<br> $0.00000<br> $4458.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.300% | 0.000% | 0.000% | 41.700% | $3135.74 | $75257.86 |
| 50894788 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $472686.77 | 7.000% | $2957.50 | $3829.66 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,829.66 which was applied for the due date of xx/xx/2024. The current monthly P&I is $2,957.50 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx. | $3738.33 | $0.00 | $4018.28 | $4018.28 | $4018.28 | $3803.04 | $3803.04 | $3803.04 | $3829.66 | $3829.66 | $7659.32 | $0.00 | $3829.66 | $3829.66 | $3829.66 | $7659.32 | $3829.66 | $3829.66 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000000M444MM3 | 3MM444M00000000000000000 | 2024-11-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3738.33000<br> $0.00000<br> $4018.28000<br> $4018.28000<br> $4018.28000<br> $3803.04000<br> $3803.04000<br> $3803.04000<br> $3829.66000<br> $3829.66000<br> $7659.32000<br> $0.00000<br> $3829.66000<br> $3829.66000<br> $3829.66000<br> $7659.32000<br> $3829.66000<br> $3829.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.400% | 0.000% | 0.000% | 58.300% | $2888.69 | $69328.55 |
| 24584376 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $255342.75 | 5.250% | $2343.35 | $2566.53 | 2024-12-31 | 2025-02-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $2,343.35 and PITI is $2,566.53. The UPB is $xx and deferred balance is xx. The deferment agreement was located at "xx". | $3786.10 | $2524.07 | $2524.07 | $2524.07 | $2542.39 | $2542.39 | $3813.58 | $2542.39 | $2542.39 | $2542.39 | $2542.39 | $3813.58 | $2542.39 | $2542.39 | $2542.39 | $2542.39 | $2566.53 | $3849.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3786.10000<br> $2524.07000<br> $2524.07000<br> $2524.07000<br> $2542.39000<br> $2542.39000<br> $3813.58000<br> $2542.39000<br> $2542.39000<br> $2542.39000<br> $2542.39000<br> $3813.58000<br> $2542.39000<br> $2542.39000<br> $2542.39000<br> $2542.39000<br> $2566.53000<br> $3849.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.500% | 0.000% | 0.000% | 53.900% | $2117.74 | $50825.69 |
| 75695390 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $309945.71 | 4.000% | $1570.88 | $2500.81 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,570.88 and interest rate is 4.000%. The UPB is xx and deferred balance is xx. | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2430.13 | $2500.81 | $2500.81 | $2500.81 | $2500.81 | $2500.81 | $2500.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2430.13000<br> $2500.81000<br> $2500.81000<br> $2500.81000<br> $2500.81000<br> $2500.81000<br> $2500.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.600% | 0.000% | 0.000% | 50.000% | $1840.27 | $44166.42 |
| 24172381 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $5210182.37 | 4.125% | $22771.13 | $26725.34 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $22,771.13 and the interest rate is 4.125%. | $26201.08 | $26201.08 | $26201.08 | $26201.08 | $26201.08 | $26686.77 | $26686.77 | $26686.77 | $26686.77 | $26686.77 | $26686.77 | $26686.77 | $26725.34 | $26725.34 | $26725.34 | $26725.34 | $26725.34 | $26725.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $26201.08000<br> $26201.08000<br> $26201.08000<br> $26201.08000<br> $26201.08000<br> $26686.77000<br> $26686.77000<br> $26686.77000<br> $26686.77000<br> $26686.77000<br> $26686.77000<br> $26686.77000<br> $26725.34000<br> $26725.34000<br> $26725.34000<br> $26725.34000<br> $26725.34000<br> $26725.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 50.000% | $19923.53 | $478164.83 |
| 56104384 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $15648.67 | 4.475% | $97.74 | $97.74 | 2024-12-31 | 2025-01-01 | 0 | As per the seller' tape of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $97.74 which was applied for xx/xx/2024. The current P&I is $97.74 with an interest rate of 4.4750%. The current UPB reflected as per payment history is xx. | $97.74 | $97.74 | $265.48 | $0.00 | $195.48 | $97.74 | $97.74 | $97.74 | $100.00 | $157.41 | $97.74 | $97.74 | $97.74 | $97.74 | $195.48 | $0.00 | $97.74 | $245.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-11-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $97.74000<br> $97.74000<br> $265.48000<br> $0.00000<br> $195.48000<br> $97.74000<br> $97.74000<br> $97.74000<br> $100.00000<br> $157.41000<br> $97.74000<br> $97.74000<br> $97.74000<br> $97.74000<br> $195.48000<br> $0.00000<br> $97.74000<br> $245.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 91.100% | 0.000% | 0.000% | 62.600% | $89.03 | $2136.73 |
| 97964342 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $118195.78 | 3.000% | $487.24 | $924.90 | 2024-12-31 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with loan, and the next due date is xx/xx/2025. Unable to determine the last payment date. The current P&I is $487.24 with an interest rate of 3.000%. The current UPB is $xx and the deferred balance is $xx.<br>| $817.76 | $0.00 | $817.76 | $1635.52 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $817.76 | $824.90 | $924.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000011001032 | 23010011000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $817.76000<br> $0.00000<br> $817.76000<br> $1635.52000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $817.76000<br> $824.90000<br> $924.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.800% | 0.000% | 0.000% | 45.200% | $618.08 | $14833.96 |
| 80328187 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $219861.22 | 3.625% | $1109.96 | $1533.02 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $1,109.96, and the interest rate is 3.625%. The current UPB is $219,861.22, and the deferred balance is $xx. | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1531.76 | $1540.00 | $0.00 | $3133.02 | $1533.02 | $1533.02 | $1533.02 | $1533.02 | $1533.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000010000000000000000 | 00000000000000001000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1531.76000<br> $1540.00000<br> $0.00000<br> $3133.02000<br> $1533.02000<br> $1533.02000<br> $1533.02000<br> $1533.02000<br> $1533.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 58.700% | $1152.32 | $27655.72 |
| 34284320 | xx | xx | XX | xx | xx |  |  | xx | xx | Pennsylvania | xx | $82784.70 | 3.750% | $354.91 | $880.43 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $354.91 and interest rate is 3.750%. The UPB is $82,784.70. As per tape data the deferment amount is xx. | $835.22 | $1670.44 | $0.00 | $1670.44 | $835.22 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $863.93 | $880.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000010110010 | 01001101000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $835.22000<br> $1670.44000<br> $0.00000<br> $1670.44000<br> $835.22000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $863.93000<br> $880.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.900% | 0.000% | 0.000% | 49.200% | $677.45 | $16258.91 |
| 57697507 | xx | xx | XX | xx | xx |  |  | xx | xx | Delaware | xx | $18075.25 | 3.125% | $98.08 | $281.89 | 2024-12-31 | 2025-02-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $98.08, and the interest rate is 3.125%. The UPB is xx. | $218.97 | $0.00 | $437.94 | $218.97 | $218.97 | $218.97 | $0.00 | $229.02 | $229.02 | $229.02 | $229.02 | $458.04 | $229.02 | $229.02 | $229.02 | $0.00 | $229.02 | $281.89 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $218.97000<br> $0.00000<br> $437.94000<br> $218.97000<br> $218.97000<br> $218.97000<br> $0.00000<br> $229.02000<br> $229.02000<br> $229.02000<br> $229.02000<br> $458.04000<br> $229.02000<br> $229.02000<br> $229.02000<br> $0.00000<br> $229.02000<br> $281.89000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.400% | 0.000% | 0.000% | 35.400% | $161.91 | $3885.91 |
| 94223861 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $227109.99 | 4.125% | $1117.80 | $1682.40 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape data, the UPB is xx, and the deferred balance is xx. The current interest rate is 4.125%, and P&I is $1,117.80. | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1669.84 | $1682.40 | $1682.40 | $1682.40 | $1682.40 | $1682.40 | $1682.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1669.84000<br> $1682.40000<br> $1682.40000<br> $1682.40000<br> $1682.40000<br> $1682.40000<br> $1682.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.600% | 0.000% | 0.000% | 50.000% | $1255.52 | $30132.48 |
| 25630917 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $9136.88 | 8.125% | $372.30 | $553.42 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $553.42, which was applied for the due date of xx/xx/2024. The current monthly P&I is $372.03 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx and deferred balance is xx. The deferment agreement is located at xx.<br>| $1334.76 | $0.00 | $608.07 | $608.07 | $0.00 | $1861.45 | $570.83 | $608.07 | $708.07 | $708.07 | $553.42 | $653.42 | $553.42 | $653.42 | $653.42 | $653.42 | $653.42 | $3106.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000002111010001 | 100010111200000000000000 | 2024-11-13 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1334.76000<br> $0.00000<br> $608.07000<br> $608.07000<br> $0.00000<br> $1861.45000<br> $570.83000<br> $608.07000<br> $708.07000<br> $708.07000<br> $553.42000<br> $653.42000<br> $553.42000<br> $653.42000<br> $653.42000<br> $653.42000<br> $653.42000<br> $3106.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 109.100% | 0.000% | 0.000% | 94.500% | $603.67 | $14488.17 |
| 75719483 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $24430.53 | 5.000% | $2149.88 | $2553.00 | 2024-12-31 | 2025-01-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $2,149.88 and the interest rate is 5.00%. | $2518.00 | $2516.98 | $2516.98 | $2516.98 | $2517.00 | $2517.00 | $2520.31 | $2500.00 | $2517.00 | $2516.00 | $2517.00 | $2517.00 | $2503.00 | $2553.00 | $2553.00 | $2553.00 | $2553.00 | $2552.35 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2518.00000<br> $2516.98000<br> $2516.98000<br> $2516.98000<br> $2517.00000<br> $2517.00000<br> $2520.31000<br> $2500.00000<br> $2517.00000<br> $2516.00000<br> $2517.00000<br> $2517.00000<br> $2503.00000<br> $2553.00000<br> $2553.00000<br> $2553.00000<br> $2553.00000<br> $2552.35000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 49.800% | $1894.07 | $45457.60 |
| 7048553 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $221265.84 | 3.500% | $1440.67 | $1763.85 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $1,440.67 and rate of interest is 3.500%. The UPB is xx. | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1756.87 | $1763.85 | $1763.85 | $1763.85 | $1763.85 | $1763.85 | $1763.85 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1756.87000<br> $1763.85000<br> $1763.85000<br> $1763.85000<br> $1763.85000<br> $1763.85000<br> $1763.85000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.800% | 0.000% | 0.000% | 50.000% | $1319.40 | $31665.54 |
| 94633607 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $25672.33 | 5.250% | $175.94 | $335.39 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $335.39, which was applied for the due date of xx/xx/2024. The current monthly P&I is $175.94 with an interest rate of 5.250%. The current UPB reflected as per the payment history is xx and deferred balance is $175.94. | $317.00 | $0.00 | $634.00 | $317.00 | $0.00 | $634.00 | $0.00 | $670.78 | $335.39 | $335.39 | $335.39 | $0.00 | $670.78 | $0.00 | $969.39 | $335.39 | $670.78 | $335.39 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000001 | 100000000000000000000000 | 2024-11-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $317.00000<br> $0.00000<br> $634.00000<br> $317.00000<br> $0.00000<br> $634.00000<br> $0.00000<br> $670.78000<br> $335.39000<br> $335.39000<br> $335.39000<br> $0.00000<br> $670.78000<br> $0.00000<br> $969.39000<br> $335.39000<br> $670.78000<br> $335.39000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.500% | 0.000% | 0.000% | 74.100% | $273.36 | $6560.68 |
| 97050073 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $49186.78 | 11.250% | $701.74 | $950.00 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $701.74 and interest rate is 11.25%. The UPB is xx. | $882.05 | $889.11 | $1733.11 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000001111111 | 11111110000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $882.05000<br> $889.11000<br> $1733.11000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.900% | 0.000% | 0.000% | 50.000% | $739.76 | $17754.27 |
| 34608317 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $57089.68 | 4.000% | $959.38 | $959.38 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $959.38 with an interest rate of 4.00%. The current UPB reflected as per the seller's tape is xx. | $959.38 | $959.38 | $959.38 | $959.38 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $1000.00 | $959.38 | $1000.00 | $1000.00 | $959.38 | $959.38 | $959.38 | $0.00 | $959.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $959.38000<br> $959.38000<br> $959.38000<br> $959.38000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $1000.00000<br> $959.38000<br> $1000.00000<br> $1000.00000<br> $959.38000<br> $959.38000<br> $959.38000<br> $0.00000<br> $959.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.200% | 0.000% | 0.000% | 42.000% | $693.10 | $16634.42 |
| 78231867 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $53281.38 | 3.250% | $240.70 | $531.47 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx/xx/2025. The P&I is $240.70 and rate of interest is 3.250%. The UPB is $53,281.38 and deferred balance is xx. | $665.00 | $665.00 | $1330.00 | $1330.00 | $665.00 | $665.00 | $665.00 | $665.00 | $665.00 | $665.00 | $665.00 | $665.00 | $587.94 | $650.56 | $665.00 | $650.56 | $665.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000000000 | 0000000000000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $665.00000<br> $665.00000<br> $1330.00000<br> $1330.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $665.00000<br> $587.94000<br> $650.56000<br> $665.00000<br> $650.56000<br> $665.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.200% | 0.000% | 0.000% | 50.500% | $522.04 | $12529.06 |
| 8256852 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $124443.06 | 3.750% | $1121.87 | $1581.99 | 2024-12-31 | 2025-02-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,121.87 and interest rate is 3.750%. The UPB is $124,443.06. The PH tape data reflects deferred amount of xx and the deferred agreement is located at xx. | $0.00 | $1603.86 | $1603.86 | $0.00 | $3268.88 | $1634.44 | $3268.88 | $0.00 | $1634.44 | $1582.00 | $3163.98 | $0.00 | $1581.99 | $1581.99 | $1581.99 | $1581.99 | $3163.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000001000000000 | 00000000010000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $1603.86000<br> $1603.86000<br> $0.00000<br> $3268.88000<br> $1634.44000<br> $3268.88000<br> $0.00000<br> $1634.44000<br> $1582.00000<br> $3163.98000<br> $0.00000<br> $1581.99000<br> $1581.99000<br> $1581.99000<br> $1581.99000<br> $3163.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.800% | 0.000% | 0.000% | 50.000% | $1135.51 | $27252.29 |
| 87190632 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $290098.60 | 3.625% | $1296.38 | $2219.13 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $1,296.38, and the interest rate is 3.625%. The UPB is $290,098.60. As per tape, the deferment balance is xx, and the deferment agreement is located at xx. | $2164.39 | $2164.39 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2200.13 | $2219.13 | $2219.13 | $4438.26 | $2219.13 | $0.00 | $2219.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2164.39000<br> $2164.39000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2200.13000<br> $2219.13000<br> $2219.13000<br> $4438.26000<br> $2219.13000<br> $0.00000<br> $2219.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.000% | $1651.87 | $39644.86 |
| 42137315 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $62009.82 | 3.500% | $495.33 | $630.02 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx/xx/2025. Unable to determine the last payment received date. The current P&I is $495.33 and the interest rate is 3.500%. The current UPB is xx. Tape shows the deferred balance is xx. <br> The deferment agreement was made on xx. | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $650.19 | $630.02 | $630.02 | $630.02 | $630.02 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $650.19000<br> $630.02000<br> $630.02000<br> $630.02000<br> $630.02000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.900% | 0.000% | 0.000% | 50.500% | $484.28 | $11622.74 |
| 96260918 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Nebraska | xx | $52254.76 | 9.600% | $761.11 | $1142.69 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is $761.11 with an interest rate of 9.60%. The current UPB reflected as per the payment history tape data is xx. | $1011.74 | $1011.74 | $1011.74 | $1011.74 | $1011.74 | $1116.42 | $1116.42 | $2232.84 | $1116.42 | $1116.42 | $1116.42 | $0.00 | $2232.84 | $1116.42 | $1116.42 | $0.00 | $2232.84 | $1142.69 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00100010000000000000000 | 00000000000000001000100M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1011.74000<br> $1011.74000<br> $1011.74000<br> $1011.74000<br> $1011.74000<br> $1116.42000<br> $1116.42000<br> $2232.84000<br> $1116.42000<br> $1116.42000<br> $1116.42000<br> $0.00000<br> $2232.84000<br> $1116.42000<br> $1116.42000<br> $0.00000<br> $2232.84000<br> $1142.69000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 57.200% | $863.12 | $20714.85 |
| 42189030 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Minnesota | xx | $59883.90 | 5.250% | $763.62 | $912.45 | 2024-12-31 | 2025-02-01 | 0 | According to seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The details of the last payment received are not available. The current P&I is $763.62 with an interest rate of 5.250%. As per tape data, the current UPB is xx, and the deferred balance is xx. | $881.37 | $0.00 | $0.00 | $0.00 | $3649.80 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $912.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000032100000 | 0000012300000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $881.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3649.80000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $912.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 0.000% | 50.000% | $683.04 | $16393.02 |
| 79267194 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $36411.22 | 3.520% | $290.81 | $571.42 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx. The current P&I is $290.81 and the interest rate is 3.520%.<br>| $556.04 | $556.04 | $556.04 | $556.04 | $556.04 | $556.04 | $556.04 | $556.04 | $556.04 | $571.42 | $571.42 | $571.42 | $571.42 | $571.42 | $571.42 | $571.42 | $571.42 | $571.42 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $556.04000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $571.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.000% | 0.000% | 0.000% | 50.000% | $422.80 | $10147.14 |
| 64005860 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $378756.51 | 4.125% | $1817.96 | $4060.21 | 2024-12-31 | 2025-01-01 | 0 | According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The interest rate is 4.125% & the P&I is xx The current UPB is xx and the deferred balance is xx | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $5593.80 | $4060.21 | $4060.21 | $4060.21 | $4060.21 | $4060.21 | $4060.21 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $5593.80000<br> $4060.21000<br> $4060.21000<br> $4060.21000<br> $4060.21000<br> $4060.21000<br> $4060.21000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.900% | 0.000% | 0.000% | 50.000% | $3811.95 | $91486.86 |
| 34108427 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $119186.02 | 4.500% | $1072.20 | $1072.20 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx with an interest rate of 4.500%. The current UPB reflected as per the tape data is xx | $1072.20 | $1072.20 | $2144.40 | $0.00 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1072.20 | $1136.53 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1072.20000<br> $1072.20000<br> $2144.40000<br> $0.00000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1072.20000<br> $1136.53000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 50.500% | $806.83 | $19363.93 |
| 7556628 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $40386.54 | 5.250% | $691.48 | $1175.06 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx/xx/2024, the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and PITI is $1,175.06. The UPB is xx | $1117.72 | $1117.72 | $0.00 | $2235.44 | $0.00 | $2235.44 | $1117.72 | $1117.72 | $1117.72 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $1175.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000001010000001 | 10000001010000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1117.72000<br> $1117.72000<br> $0.00000<br> $2235.44000<br> $0.00000<br> $2235.44000<br> $1117.72000<br> $1117.72000<br> $1117.72000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $1175.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 0.000% | 50.000% | $859.79 | $20635.02 |
| 43188146 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $123731.81 | 3.875% | $522.99 | $883.22 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 3.875%. The UPB is xx | $1075.24 | $1075.24 | $921.80 | $900.41 | $900.42 | $900.42 | $925.00 | $914.00 | $914.00 | $914.00 | $914.00 | $914.00 | $914.00 | $914.00 | $914.00 | $894.00 | $891.40 | $883.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1075.24000<br> $1075.24000<br> $921.80000<br> $900.41000<br> $900.42000<br> $900.42000<br> $925.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $914.00000<br> $894.00000<br> $891.40000<br> $883.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.700% | 0.000% | 0.000% | 51.100% | $694.96 | $16679.15 |
| 9146873 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $331475.70 | 2.750% | $1209.60 | $2376.94 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 2.75%. The UPB is $331,475.70. | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $2320.76 | $0.00 | $4697.70 | $2376.94 | $0.00 | $4753.88 | $2376.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0010010000000000000000 | 0000000000000000100100MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $2320.76000<br> $0.00000<br> $4697.70000<br> $2376.94000<br> $0.00000<br> $4753.88000<br> $2376.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.700% | 0.000% | 0.000% | 49.800% | $1655.58 | $39733.82 |
| 25914006 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $66149.04 | 4.500% | $317.96 | $740.80 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is xx and the interest rate is 4.500%. The UPB is $66,149.04. As per the tape, there is a deferred balance in the amount of xx and as per the deferral agreement located at xx" the amount of xx has been deferred. | $0.00 | $633.84 | $1267.68 | $671.80 | $671.80 | $671.80 | $671.80 | $671.80 | $671.80 | $1343.60 | $0.00 | $671.80 | $1343.60 | $0.00 | $671.80 | $740.80 | $740.80 | $740.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000001100011 | 11000110000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $633.84000<br> $1267.68000<br> $671.80000<br> $671.80000<br> $671.80000<br> $671.80000<br> $671.80000<br> $671.80000<br> $1343.60000<br> $0.00000<br> $671.80000<br> $1343.60000<br> $0.00000<br> $671.80000<br> $740.80000<br> $740.80000<br> $740.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.500% | 0.000% | 0.000% | 47.700% | $507.73 | $12185.52 |
| 25648934 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $38232.87 | 5.030% | $281.74 | $341.26 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and PITI is $341.26. The UPB is xx | $356.12 | $356.12 | $356.12 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $356.02 | $350.80 | $350.80 | $350.80 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $356.12000<br> $356.12000<br> $356.12000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $356.02000<br> $350.80000<br> $350.80000<br> $350.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.100% | 0.000% | 0.000% | 51.800% | $266.38 | $6393.00 |
| 86188944 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $132136.37 | 2.750% | $482.31 | $878.56 | 2024-12-31 | 2025-02-01 | 0 | As per the review of seller' tape, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 2.750%. The UPB is xxx | $854.44 | $213.23 | $5157.84 | $864.84 | $864.84 | $880.00 | $864.84 | $864.84 | $864.84 | $864.84 | $864.84 | $864.84 | $878.56 | $878.56 | $2075.88 | $0.00 | $878.56 | $878.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000444334 | 4334440000000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $854.44000<br> $213.23000<br> $5157.84000<br> $864.84000<br> $864.84000<br> $880.00000<br> $864.84000<br> $864.84000<br> $864.84000<br> $864.84000<br> $864.84000<br> $864.84000<br> $878.56000<br> $878.56000<br> $2075.88000<br> $0.00000<br> $878.56000<br> $878.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.000% | 0.000% | 0.000% | 53.000% | $817.26 | $19614.35 |
| 38676747 | xx | xx | XX | xx | xx |  |  | xx | xx | Mississippi | xx | $75672.53 | 3.000% | $308.76 | $350.00 | 2024-12-31 | 2025-01-01 | 0 | According to tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment transaction detail is not available. The interest rate is xx and P&I is xx The current UPB is xx and the deferred principal balance is xx | $327.36 | $327.30 | $327.30 | $327.30 | $327.30 | $327.30 | $327.30 | $308.77 | $308.77 | $308.77 | $308.77 | $308.77 | $308.77 | $308.77 | $350.00 | $350.00 | $350.00 | $350.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $327.36000<br> $327.30000<br> $327.30000<br> $327.30000<br> $327.30000<br> $327.30000<br> $327.30000<br> $308.77000<br> $308.77000<br> $308.77000<br> $308.77000<br> $308.77000<br> $308.77000<br> $308.77000<br> $350.00000<br> $350.00000<br> $350.00000<br> $350.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.700% | 0.000% | 0.000% | 48.000% | $243.86 | $5852.55 |
| 50767699 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $10479.83 | 7.990% | $163.31 | $282.40 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | $286.73 | $286.73 | $286.73 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $294.94 | $282.40 | $282.40 | $282.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $286.73000<br> $286.73000<br> $286.73000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $294.94000<br> $282.40000<br> $282.40000<br> $282.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 77.400% | 0.000% | 0.000% | 51.100% | $218.61 | $5246.67 |
| 91436419 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $74467.64 | 5.000% | $839.75 | $1596.51 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx | $1340.00 | $1340.00 | $1333.85 | $1449.27 | $1450.00 | $1449.27 | $1450.00 | $1449.27 | $1449.27 | $1555.56 | $1555.56 | $1555.56 | $1555.56 | $1550.00 | $1560.00 | $1556.00 | $1596.51 | $1600.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1340.00000<br> $1340.00000<br> $1333.85000<br> $1449.27000<br> $1450.00000<br> $1449.27000<br> $1450.00000<br> $1449.27000<br> $1449.27000<br> $1555.56000<br> $1555.56000<br> $1555.56000<br> $1555.56000<br> $1550.00000<br> $1560.00000<br> $1556.00000<br> $1596.51000<br> $1600.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.900% | 0.000% | 0.000% | 49.200% | $1116.49 | $26795.68 |
| 99226191 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $241170.29 | 4.125% | $1588.29 | $2134.86 | 2024-12-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx in the amount of xx which was applied for the due date of xx The interest rate is 4.125%, & the P&I is xx The UPB is xx | $2238.01 | $0.00 | $6822.04 | $0.00 | $4439.96 | $2219.98 | $2219.98 | $4439.96 | $2219.98 | $2219.98 | $2196.78 | $2196.78 | $2196.78 | $0.00 | $2196.78 | $2134.86 | $2196.78 | $4393.56 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000010211111 | 111112010000000000000000 | 2025-11-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2238.01000<br> $0.00000<br> $6822.04000<br> $0.00000<br> $4439.96000<br> $2219.98000<br> $2219.98000<br> $4439.96000<br> $2219.98000<br> $2219.98000<br> $2196.78000<br> $2196.78000<br> $2196.78000<br> $0.00000<br> $2196.78000<br> $2134.86000<br> $2196.78000<br> $4393.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.500% | 0.000% | 0.000% | 51.200% | $1847.18 | $44332.21 |
| 4911545 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $215999.01 | 4.000% | $1591.23 | $1591.23 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx As per the deferral agreement located at xx | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $1591.23 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $1591.23000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1193.42 | $28642.14 |
| 56516416 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $221571.50 | 3.500% | $889.55 | $1685.98 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.500%. The UPB is xx | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1512.47 | $1685.98 | $1685.98 | $1685.98 | $1685.98 | $1685.98 | $1685.98 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1512.47000<br> $1685.98000<br> $1685.98000<br> $1685.98000<br> $1685.98000<br> $1685.98000<br> $1685.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.900% | 0.000% | 0.000% | 50.000% | $1177.73 | $28265.52 |
| 58613998 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $181651.44 | 4.500% | $969.52 | $1577.88 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1559.41 | $1577.88 | $1577.88 | $1577.88 | $1577.88 | $1577.88 | $1577.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1559.41000<br> $1577.88000<br> $1577.88000<br> $1577.88000<br> $1577.88000<br> $1577.88000<br> $1577.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.000% | $1174.18 | $28180.20 |
| 55933136 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $35537.62 | 4.370% | $211.16 | $363.84 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of payment history as of xx the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. Current P&I is xx and the interest rate is xx The UPB as per tape data is xx | $534.36 | $534.36 | $534.36 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $421.25 | $363.84 | $363.84 | $363.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $534.36000<br> $534.36000<br> $534.36000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $421.25000<br> $363.84000<br> $363.84000<br> $363.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 88.700% | 0.000% | 0.000% | 53.900% | $322.90 | $7749.60 |
| 51477513 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $92330.02 | 3.000% | $673.74 | $1158.88 | 2024-12-31 | 2025-01-01 | 0 | According to the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is xx with an interest rate of xx The current UPB is xx and the deferred balance amount is xx The deferred document is located at xx | $1148.04 | $1148.04 | $1148.04 | $1148.04 | $1148.04 | $1148.04 | $2296.08 | $0.00 | $1148.04 | $2296.08 | $0.00 | $1148.04 | $1158.88 | $1158.88 | $2317.76 | $0.00 | $1158.88 | $1158.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1148.04000<br> $1148.04000<br> $1148.04000<br> $1148.04000<br> $1148.04000<br> $1148.04000<br> $2296.08000<br> $0.00000<br> $1148.04000<br> $2296.08000<br> $0.00000<br> $1148.04000<br> $1158.88000<br> $1158.88000<br> $2317.76000<br> $0.00000<br> $1158.88000<br> $1158.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 50.000% | $863.74 | $20729.76 |
| 83907107 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $185151.19 | 4.960% | $2105.20 | $2500.00 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 4.960%. The UPB is $185,151.19, and the deferred amount is xx The deferment agreement is located at xx. | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $2500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $2500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1875.00 | $45000.00 |
| 46562688 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $521322.64 | 4.500% | $3003.83 | $4670.25 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history on the seller's tape dated xx the borrower is current with the loan. Unable to determine the last payment received date. The next due date for payment is xx The P&I is xx and rate of interest is xx The UPB is xx and deferred balance is xx | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4608.28 | $4670.25 | $4670.25 | $4670.25 | $4670.25 | $4670.25 | $4670.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4608.28000<br> $4670.25000<br> $4670.25000<br> $4670.25000<br> $4670.25000<br> $4670.25000<br> $4670.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 50.000% | $3471.70 | $83320.86 |
| 99610907 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $338036.10 | 3.750% | $1446.00 | $2544.91 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 3.750%. The UPB is xx As per the tape, there is a deferred balance in the amount of xx and according to the deferral agreement located at "xx | $2672.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2522.67 | $2544.91 | $2544.91 | $2544.91 | $2544.91 | $3294.91 | $2544.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2672.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2522.67000<br> $2544.91000<br> $2544.91000<br> $2544.91000<br> $2544.91000<br> $3294.91000<br> $2544.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.000% | 0.000% | 0.000% | 52.500% | $1935.06 | $46441.50 |
| 15463281 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $276598.09 | 3.000% | $1034.66 | $1584.25 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1466.07 | $1529.82 | $1529.82 | $1584.25 | $1584.25 | $1584.25 | $1584.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1466.07000<br> $1529.82000<br> $1529.82000<br> $1584.25000<br> $1584.25000<br> $1584.25000<br> $1584.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.000% | 0.000% | 0.000% | 49.400% | $1124.56 | $26989.48 |
| 70148978 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $243195.01 | 4.625% | $1338.53 | $2005.91 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.625%. The UPB is xx | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2012.12 | $2005.91 | $2005.91 | $2005.91 | $2005.91 | $2005.91 | $2006.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2012.12000<br> $2005.91000<br> $2005.91000<br> $2005.91000<br> $2005.91000<br> $2005.91000<br> $2006.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.200% | 0.000% | 0.000% | 50.000% | $1507.54 | $36180.99 |
| 81197033 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $133610.92 | 4.250% | $783.60 | $1171.21 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of PH as of xx/xx/2024, the borrower is current, and the next payment is due for xx The last payment received details are not available. The current P&I is $783.60, and PITI is xx The current UPB is xx and the deferred balance is xx | $1187.78 | $1187.78 | $1187.78 | $1187.78 | $1187.78 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1171.21 | $1172.00 | $1122.93 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1187.78000<br> $1187.78000<br> $1187.78000<br> $1187.78000<br> $1187.78000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1171.21000<br> $1172.00000<br> $1122.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.100% | 0.000% | 0.000% | 49.700% | $879.88 | $21117.14 |
| 50075613 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $80966.52 | 7.750% | $637.87 | $1068.44 | 2024-12-31 | 2024-11-01 | 1 | According to the payment history as of xx/xx/2024, the borrower is currently 2 months delinquent with the loan, and the next due date is xx The last payment was received on xx in the amount of xx which was applied for the due date of xx The current monthly P&I is xx with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx | $1040.20 | $0.00 | $2080.04 | $1040.20 | $0.00 | $3120.60 | $1040.20 | $1085.12 | $1040.20 | $1040.20 | $1108.44 | $1068.44 | $1068.44 | $1068.44 | $1068.44 | $1068.44 | $1068.44 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000002112110001 | 1000112112000000000000MM | 2024-10-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1040.20000<br> $0.00000<br> $2080.04000<br> $1040.20000<br> $0.00000<br> $3120.60000<br> $1040.20000<br> $1085.12000<br> $1040.20000<br> $1040.20000<br> $1108.44000<br> $1068.44000<br> $1068.44000<br> $1068.44000<br> $1068.44000<br> $1068.44000<br> $1068.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.100% | 0.000% | 0.000% | 41.700% | $791.91 | $19005.84 |
| 55272471 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Michigan | xx | $29870.15 | 10.250% | $485.36 | $762.49 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 10.250%. The UPB is xx | $649.78 | $649.78 | $649.78 | $649.78 | $800.00 | $800.00 | $800.00 | $800.00 | $748.43 | $748.43 | $748.43 | $748.43 | $748.43 | $748.43 | $748.43 | $748.43 | $762.49 | $762.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $649.78000<br> $649.78000<br> $649.78000<br> $649.78000<br> $800.00000<br> $800.00000<br> $800.00000<br> $800.00000<br> $748.43000<br> $748.43000<br> $748.43000<br> $748.43000<br> $748.43000<br> $748.43000<br> $748.43000<br> $748.43000<br> $762.49000<br> $762.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.700% | 0.000% | 0.000% | 49.400% | $554.65 | $13311.54 |
| 64979710 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $29866.42 | 7.875% | $244.54 | $445.79 | 2024-12-31 | 2025-02-01 | 0 | According to the seller's tape, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 7.875%. | $433.13 | $866.26 | $0.00 | $878.49 | $866.26 | $433.13 | $433.13 | $433.13 | $433.13 | $855.44 | $0.00 | $445.79 | $445.79 | $445.79 | $445.79 | $891.58 | $445.79 | $445.79 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000001011100 | 00111010000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $433.13000<br> $866.26000<br> $0.00000<br> $878.49000<br> $866.26000<br> $433.13000<br> $433.13000<br> $433.13000<br> $433.13000<br> $855.44000<br> $0.00000<br> $445.79000<br> $445.79000<br> $445.79000<br> $445.79000<br> $891.58000<br> $445.79000<br> $445.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.000% | 0.000% | 0.000% | 58.300% | $383.27 | $9198.42 |
| 48277821 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $128599.18 | 4.125% | $734.44 | $1329.60 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.125%. The UPB is xx As per the deferment agreement located at xx, the modified deferred balance is xx | $1217.39 | $1217.39 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1301.18 | $1506.15 | $1301.18 | $1301.18 | $1329.60 | $1329.60 | $1329.60 | $1329.60 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1217.39000<br> $1217.39000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1301.18000<br> $1506.15000<br> $1301.18000<br> $1301.18000<br> $1329.60000<br> $1329.60000<br> $1329.60000<br> $1329.60000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.900% | 0.000% | 0.000% | 49.600% | $982.18 | $23572.31 |
| 36952259 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $165070.80 | 2.000% | $604.03 | $1018.37 | 2024-12-31 | 2025-02-01 | 0 | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 2.00%. The UPB is xx and deferred balance is xx | $998.48 | $998.48 | $998.48 | $998.48 | $998.48 | $1996.96 | $0.00 | $998.48 | $998.48 | $998.48 | $998.48 | $998.48 | $2036.74 | $0.00 | $1018.37 | $1018.37 | $2036.74 | $1018.37 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $998.48000<br> $998.48000<br> $998.48000<br> $998.48000<br> $998.48000<br> $1996.96000<br> $0.00000<br> $998.48000<br> $998.48000<br> $998.48000<br> $998.48000<br> $998.48000<br> $2036.74000<br> $0.00000<br> $1018.37000<br> $1018.37000<br> $2036.74000<br> $1018.37000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.200% | 0.000% | 0.000% | 58.300% | $796.26 | $19110.35 |
| 38568292 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $954048.46 | 4.250% | $4856.97 | $7147.30 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is xx The UPB is xx As per the tape, there is a deferred balance in the amount of xx | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7072.73 | $7147.30 | $7147.30 | $7147.30 | $7147.30 | $7147.30 | $7147.30 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7072.73000<br> $7147.30000<br> $7147.30000<br> $7147.30000<br> $7147.30000<br> $7147.30000<br> $7147.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 50.000% | $5323.19 | $127756.56 |
| 29197304 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $132665.93 | 3.375% | $834.91 | $1244.26 | 2024-12-31 | 2025-02-01 | 0 | According to seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. Unable to determine the last transaction details. The current P&I is xx with an interest rate of 3.375%. The current UPB reflected as per the payment history tape data is xx | $1231.86 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1233.80 | $1244.26 | $1244.26 | $1244.26 | $1244.26 | $1244.26 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1231.86000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1233.80000<br> $1244.26000<br> $1244.26000<br> $1244.26000<br> $1244.26000<br> $1244.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.500% | 0.000% | 0.000% | 49.900% | $927.45 | $22258.76 |
| 32058555 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $429739.94 | 3.250% | $1698.21 | $2734.65 | 2025-01-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 3.25%. | $0.00 | $2759.31 | $0.00 | $0.00 | $8119.10 | $0.00 | $2759.16 | $0.00 | $2679.97 | $2702.10 | $2702.10 | $5436.75 | $2734.65 | $2734.65 | $2734.65 | $2734.65 | $2734.65 | $2734.65 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000003221221 | 12212230000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $2759.31000<br> $0.00000<br> $0.00000<br> $8119.10000<br> $0.00000<br> $2759.16000<br> $0.00000<br> $2679.97000<br> $2702.10000<br> $2702.10000<br> $5436.75000<br> $2734.65000<br> $2734.65000<br> $2734.65000<br> $2734.65000<br> $2734.65000<br> $2734.65000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.400% | 0.000% | 0.000% | 50.000% | $1815.27 | $43566.39 |
| 40413439 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $296920.63 | 4.500% | $2230.16 | $2965.99 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is xx The UPB is xx<br> As per the deferment agreement dated xx xx and xx which is located at xx | $5821.42 | $2929.88 | $0.00 | $2929.88 | $2929.88 | $0.00 | $2929.88 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $2965.99 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M000000000000M2221121010 | 0101211222M000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5821.42000<br> $2929.88000<br> $0.00000<br> $2929.88000<br> $2929.88000<br> $0.00000<br> $2929.88000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $2965.99000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.500% | 0.000% | 0.000% | 50.000% | $2090.28 | $50166.83 |
| 1992661 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $203727.06 | 4.625% | $1089.39 | $1455.58 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 4.625%.<br> The deferred principal balance is xx<br>| $1552.69 | $1552.69 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1478.12 | $1455.58 | $1455.58 | $1455.58 | $1455.58 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1552.69000<br> $1552.69000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1478.12000<br> $1455.58000<br> $1455.58000<br> $1455.58000<br> $1455.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.300% | 0.000% | 0.000% | 50.300% | $1111.05 | $26665.14 |
| 65626041 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $49744.29 | 4.625% | $437.44 | $1046.94 | 2024-12-31 | 2025-01-01 | 0 | According to seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current interest rate is 4.625%, and P&I is xx The UPB as per the tape data is xx and the deferred principal balance is xx | $2569.65 | $891.52 | $840.25 | $862.12 | $862.12 | $862.12 | $840.25 | $1046.94 | $1046.94 | $1046.94 | $1046.94 | $1046.94 | $1046.94 | $1046.94 | $1046.94 | $0.00 | $2093.88 | $1046.94 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00100000000000000000000 | 00000000000000000000100M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2569.65000<br> $891.52000<br> $840.25000<br> $862.12000<br> $862.12000<br> $862.12000<br> $840.25000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $1046.94000<br> $0.00000<br> $2093.88000<br> $1046.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.600% | 0.000% | 0.000% | 50.000% | $801.85 | $19244.37 |
| 36009802 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $116280.24 | 3.000% | $513.32 | $784.34 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is xx The UPB is xx | $0.00 | $0.00 | $961.47 | $1922.94 | $2822.94 | $1000.00 | $1922.94 | $0.00 | $1861.47 | $2668.68 | $0.00 | $900.00 | $0.00 | $784.34 | $0.00 | $1668.68 | $900.34 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000122100000 | 00000122100000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $961.47000<br> $1922.94000<br> $2822.94000<br> $1000.00000<br> $1922.94000<br> $0.00000<br> $1861.47000<br> $2668.68000<br> $0.00000<br> $900.00000<br> $0.00000<br> $784.34000<br> $0.00000<br> $1668.68000<br> $900.34000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.500% | 0.000% | 0.000% | 35.600% | $725.58 | $17413.80 |
| 96766221 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $354652.09 | 4.250% | $1917.33 | $2902.90 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last payment date. The current P&I is $1,917.33 with an interest rate of 4.250%. As per the tape, the current UPB is xx | $2826.49 | $0.00 | $2826.49 | $5652.98 | $3000.00 | $2826.49 | $2826.49 | $2826.49 | $2826.49 | $2826.49 | $2826.49 | $2900.00 | $2902.90 | $2902.90 | $2902.90 | $3000.00 | $2902.90 | $2902.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000011000000 | 00000011000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2826.49000<br> $0.00000<br> $2826.49000<br> $5652.98000<br> $3000.00000<br> $2826.49000<br> $2826.49000<br> $2826.49000<br> $2826.49000<br> $2826.49000<br> $2826.49000<br> $2900.00000<br> $2902.90000<br> $2902.90000<br> $2902.90000<br> $3000.00000<br> $2902.90000<br> $2902.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 50.300% | $2153.31 | $51679.40 |
| 81847888 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $808573.56 | 4.780% | $3867.17 | $4771.35 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.780%. The UPB is xx | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4693.37 | $4771.35 | $4771.35 | $4771.35 | $4771.35 | $4771.35 | $4771.35 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4693.37000<br> $4771.35000<br> $4771.35000<br> $4771.35000<br> $4771.35000<br> $4771.35000<br> $4771.35000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 50.000% | $3539.52 | $84948.54 |
| 40498228 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $20931.45 | 4.625% | $108.37 | $172.41 | 2024-12-31 | 2025-02-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and the interest rate is xx The UPB is xx | $187.75 | $187.75 | $187.75 | $358.68 | $187.75 | $187.75 | $187.75 | $187.75 | $187.75 | $187.75 | $170.93 | $170.93 | $170.93 | $170.93 | $170.93 | $0.00 | $170.93 | $172.41 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $187.75000<br> $187.75000<br> $187.75000<br> $358.68000<br> $187.75000<br> $187.75000<br> $187.75000<br> $187.75000<br> $187.75000<br> $187.75000<br> $170.93000<br> $170.93000<br> $170.93000<br> $170.93000<br> $170.93000<br> $0.00000<br> $170.93000<br> $172.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.500% | 0.000% | 0.000% | 41.400% | $135.27 | $3246.42 |
| 79284646 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $146236.20 | 3.875% | $676.85 | $899.68 | 2024-12-31 | 2024-12-01 | 0 | According to the tape data as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $899.68, which was applied for the due date of xx/xx/2024. The current monthly P&I is $676.85 with an interest rate of 3.875%. The current UPB reflected as per the payment history is xx As per tape data deferment amount is xx and the loan was modified on xx with deferred amount xx and deferment agreement is located at xx | $0.00 | $0.00 | $0.00 | $0.00 | $868.01 | $887.13 | $887.13 | $887.13 | $887.13 | $887.13 | $887.13 | $887.13 | $899.68 | $899.68 | $899.68 | $899.68 | $899.68 | $899.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000MMMMMMMMM | MMMMMMMMM00000000000000M | 2024-11-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $868.01000<br> $887.13000<br> $887.13000<br> $887.13000<br> $887.13000<br> $887.13000<br> $887.13000<br> $887.13000<br> $899.68000<br> $899.68000<br> $899.68000<br> $899.68000<br> $899.68000<br> $899.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.800% | 0.000% | 0.000% | 50.000% | $519.83 | $12476.00 |
| 815928 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $161539.81 | 3.500% | $791.92 | $978.61 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history of tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is $791.92 with an interest rate of 3.500%. The current UPB reflected as per the payment history is xx and deferred balance is xx | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.71 | $978.61 | $978.61 | $978.61 | $978.61 | $978.61 | $978.61 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.71000<br> $978.61000<br> $978.61000<br> $978.61000<br> $978.61000<br> $978.61000<br> $978.61000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $734.01 | $17616.18 |
| 78056120 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $385973.87 | 4.125% | $1888.02 | $2745.67 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of PH as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is $1,888.02 with an interest rate of 4.125%. The current UPB is xx and the deferred balance is xx | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2707.21 | $2745.67 | $2745.67 | $2715.67 | $2745.67 | $2745.67 | $2745.67 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2707.21000<br> $2745.67000<br> $2745.67000<br> $2715.67000<br> $2745.67000<br> $2745.67000<br> $2745.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 49.900% | $2038.77 | $48930.54 |
| 88719164 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $421701.54 | 2.130% | $1783.41 | $2547.48 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is xx and the interest rate is 2.130%. The UPB is xx | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $2500.58 | $0.00 | $5082.06 | $2547.48 | $2547.48 | $2547.48 | $2547.48 | $2547.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000010000000000000000 | 00000000000000001000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $2500.58000<br> $0.00000<br> $5082.06000<br> $2547.48000<br> $2547.48000<br> $2547.48000<br> $2547.48000<br> $2547.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.100% | 0.000% | 0.000% | 58.300% | $1888.58 | $45325.84 |
| 11648485 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $258518.06 | 4.625% | $1499.52 | $2199.96 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history tape data as of xx/xx/2024, the borrower is current with the loan. The next due date is xx Unable to determine the last payment received date. The current P&I is xx and the interest rate is 4.625%. The current UPB is xx | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2200.00 | $2250.00 | $2200.00 | $2200.00 | $2300.00 | $2200.00 | $2204.06 | $2280.00 | $2199.96 | $2250.00 | $2199.96 | $2199.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2200.00000<br> $2250.00000<br> $2200.00000<br> $2200.00000<br> $2300.00000<br> $2200.00000<br> $2204.06000<br> $2280.00000<br> $2199.96000<br> $2250.00000<br> $2199.96000<br> $2199.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 50.500% | $1661.83 | $39883.94 |
| 2611385 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $13095.51 | 3.875% | $201.24 | $407.03 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is xx The UPB is xx | $411.36 | $411.36 | $411.36 | $411.36 | $411.36 | $411.36 | $411.36 | $411.36 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $407.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $411.36000<br> $411.36000<br> $411.36000<br> $411.36000<br> $411.36000<br> $411.36000<br> $411.36000<br> $411.36000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $407.03000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.400% | 0.000% | 0.000% | 50.000% | $306.72 | $7361.18 |
| 86995905 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $29586.42 | 3.520% | $194.50 | $537.68 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. Details of the last payment received are not available. As per the tape, the current P&I is xx and the interest rate is 3.52%. The UPB is xx | $343.56 | $343.56 | $343.56 | $443.56 | $443.56 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $476.65 | $637.68 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $343.56000<br> $343.56000<br> $343.56000<br> $443.56000<br> $443.56000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $476.65000<br> $637.68000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 64.100% | 0.000% | 0.000% | 46.800% | $344.80 | $8275.28 |
| 16221614 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $953992.71 | 3.000% | $3559.76 | $5295.40 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.00%. The UPB is xx | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5219.07 | $5295.40 | $5295.40 | $5295.40 | $0.00 | $10590.80 | $5295.40 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00100000000000000000000 | 00000000000000000000100M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5219.07000<br> $5295.40000<br> $5295.40000<br> $5295.40000<br> $0.00000<br> $10590.80000<br> $5295.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.300% | 0.000% | 0.000% | 50.000% | $3933.39 | $94401.24 |
| 93156703 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $303446.82 | 5.000% | $2782.71 | $3520.00 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and the interest rate is xx The UPB is $303,446.82 and deferred balance is xx | $0.00 | $0.00 | $0.00 | $7949.65 | $0.00 | $3448.63 | $3498.63 | $3498.63 | $3498.63 | $3498.63 | $3498.63 | $3498.63 | $3498.63 | $3517.64 | $3517.64 | $3517.64 | $3520.00 | $3517.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M000000000000000MMMMMMMM | MMMMMMMM000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $7949.65000<br> $0.00000<br> $3448.63000<br> $3498.63000<br> $3498.63000<br> $3498.63000<br> $3498.63000<br> $3498.63000<br> $3498.63000<br> $3498.63000<br> $3517.64000<br> $3517.64000<br> $3517.64000<br> $3520.00000<br> $3517.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 63.300% | 0.000% | 0.000% | 49.900% | $2228.30 | $53479.25 |
| 4860077 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $792541.15 | 3.000% | $3002.29 | $4921.97 | 2024-12-31 | 2025-01-01 | 0 | According to the seller tape, as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is xx with an interest rate of xx The current UPB reflected as per the seller tape is xx | $9687.54 | $0.00 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4843.77 | $4921.97 | $4921.97 | $4921.97 | $4921.97 | $4921.97 | $4921.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $9687.54000<br> $0.00000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4843.77000<br> $4921.97000<br> $4921.97000<br> $4921.97000<br> $4921.97000<br> $4921.97000<br> $4921.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.200% | 0.000% | 0.000% | 50.000% | $3652.38 | $87657.06 |
| 50823708 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $699076.54 | 4.522% | $3875.03 | $3875.03 | 2024-12-31 | 2025-03-01 | 0 | According to the seller tape data, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current P&I is xx and PITI is xx with an interest rate of 4.522%. The current UPB is xx and the balance is $50,375.39. As per document xx | $7760.00 | $0.00 | $3880.00 | $7760.00 | $0.00 | $3880.00 | $7760.00 | $0.00 | $3880.00 | $3880.00 | $3880.00 | $7760.00 | $0.00 | $3880.00 | $7760.00 | $0.00 | $3880.00 | $7760.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $7760.00000<br> $0.00000<br> $3880.00000<br> $7760.00000<br> $0.00000<br> $3880.00000<br> $7760.00000<br> $0.00000<br> $3880.00000<br> $3880.00000<br> $3880.00000<br> $7760.00000<br> $0.00000<br> $3880.00000<br> $7760.00000<br> $0.00000<br> $3880.00000<br> $7760.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.300% | 0.000% | 0.000% | 50.100% | $3071.67 | $73720.00 |
| 82537398 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $276498.73 | 5.000% | $1821.38 | $1821.38 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last transaction details. The current P&I is $1,821.38 with an interest rate of 5.00%. The current UPB reflected as per the payment history tape data is xx and the deferred balance is xx | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $1821.38 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $1821.38000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $1366.04 | $32784.84 |
| 35931456 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $296563.79 | 5.000% | $1830.77 | $2558.25 | 2024-12-31 | 2025-01-01 | 0 | According to the seller's tape as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is xx and the interest rate is 5.000%. | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2489.78 | $2558.25 | $2558.25 | $2558.25 | $2558.25 | $2558.25 | $2558.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2489.78000<br> $2558.25000<br> $2558.25000<br> $2558.25000<br> $2558.25000<br> $2558.25000<br> $2558.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.700% | 0.000% | 0.000% | 50.000% | $1884.45 | $45226.86 |
| 13324486 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $187067.92 | 3.625% | $785.82 | $1344.22 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 3.625%. The UPB is xx | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1327.44 | $1344.22 | $1344.22 | $1344.22 | $1344.22 | $1344.22 | $1344.22 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1327.44000<br> $1344.22000<br> $1344.22000<br> $1344.22000<br> $1344.22000<br> $1344.22000<br> $1344.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.400% | 0.000% | 0.000% | 50.000% | $999.78 | $23994.60 |
| 91983021 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $376912.62 | 4.474% | $2022.24 | $2604.10 | 2024-12-31 | 2025-01-01 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is xx and interest rate is 4.474%. The UPB is $376,912.62 and deferred balance is xx<br> As per the deferment agreement dated xx and xx which are located at xx, the servicer deferred 14 payments in the total amount of xx | $2514.23 | $2514.23 | $2514.23 | $2514.23 | $2514.23 | $2514.23 | $2514.23 | $2514.23 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $2604.10 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2514.23000<br> $2514.23000<br> $2514.23000<br> $2514.23000<br> $2514.23000<br> $2514.23000<br> $2514.23000<br> $2514.23000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $2604.10000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.800% | 0.000% | 0.000% | 50.000% | $1923.12 | $46154.84 |
| 77961525 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $373111.95 | 4.000% | $2570.52 | $3109.33 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $2,570.52, and the interest rate is 4.000%. The UPB is xx | $3080.26 | $3088.46 | $3088.46 | $3088.46 | $3088.46 | $3088.46 | $3088.46 | $3088.46 | $3088.46 | $3588.46 | $3638.46 | $3388.46 | $3409.33 | $3309.33 | $3709.33 | $3459.33 | $3109.33 | $3109.33 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3080.26000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3088.46000<br> $3588.46000<br> $3638.46000<br> $3388.46000<br> $3409.33000<br> $3309.33000<br> $3709.33000<br> $3459.33000<br> $3109.33000<br> $3109.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.400% | 0.000% | 0.000% | 53.900% | $2437.89 | $58509.30 |
| 12272474 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $281526.82 | 4.375% | $1488.01 | $1852.70 | 2024-12-31 | 2025-02-01 | 0 | According to the seller tape, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is $281,526.82. The current P&I is xx and the interest rate is 4.375% and deferred balance is xx | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1855.06 | $1834.30 | $1834.30 | $1834.30 | $1834.30 | $1834.30 | $1852.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MM0000000000000000000000 | 0000000000000000000000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1855.06000<br> $1834.30000<br> $1834.30000<br> $1834.30000<br> $1834.30000<br> $1834.30000<br> $1852.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 74.900% | 0.000% | 0.000% | 49.600% | $1386.87 | $33284.92 |
| 60336295 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $112047.12 | 7.490% | $712.36 | $712.36 | 2024-12-31 | 2025-01-05 | 0 | As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current monthly payment is $712.36 and interest rate is 7.49%. The UPB is xx and the deferred amount is xx | $717.41 | $760.36 | $735.82 | $771.10 | $758.85 | $784.14 | $784.15 | $733.55 | $808.75 | $782.01 | $706.32 | $807.23 | $756.78 | $782.01 | $756.78 | $782.00 | $782.00 | $724.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $717.41000<br> $760.36000<br> $735.82000<br> $771.10000<br> $758.85000<br> $784.14000<br> $784.15000<br> $733.55000<br> $808.75000<br> $782.01000<br> $706.32000<br> $807.23000<br> $756.78000<br> $782.01000<br> $756.78000<br> $782.00000<br> $782.00000<br> $724.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 80.300% | 0.000% | 0.000% | 53.600% | $572.25 | $13733.90 |
| 79669121 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $498598.56 | 3.375% | $1965.56 | $3055.18 | 2024-12-31 | 2025-01-01 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment received date is unable to be determined. The current P&I is xx and PITI is $3,055.18 with an interest rate of xx The current UPB reflected as per the tape data is xx | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3107.21 | $3055.18 | $3055.18 | $3055.18 | $3055.18 | $3055.18 | $3055.18 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3107.21000<br> $3055.18000<br> $3055.18000<br> $3055.18000<br> $3055.18000<br> $3055.18000<br> $3055.18000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.900% | 0.000% | 0.000% | 50.000% | $2317.40 | $55617.60 |
| 80536612 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $859.44 | 8.900% | $6.26 | $16.84 | 2024-12-31 | 2025-02-20 | 0 | As per the review of seller's tape data, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $6.26 and interest rate is 8.900%. The UPB is xx | $18.69 | $18.69 | $18.89 | $19.02 | $74.88 | $10.00 | $18.40 | $17.51 | $18.73 | $17.85 | $17.77 | $17.95 | $17.60 | $17.78 | $17.45 | $19.02 | $17.70 | $16.84 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $18.69000<br> $18.69000<br> $18.89000<br> $19.02000<br> $74.88000<br> $10.00000<br> $18.40000<br> $17.51000<br> $18.73000<br> $17.85000<br> $17.77000<br> $17.95000<br> $17.60000<br> $17.78000<br> $17.45000<br> $19.02000<br> $17.70000<br> $16.84000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 92.700% | 0.000% | 0.000% | 52.600% | $15.62 | $374.77 |
| 65277217 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $16600.30 | 4.250% | $259.91 | $465.05 | 2024-12-31 | 2025-01-01 | 0 | As per the tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per tape, the current P&I is $259.91, and the interest rate is 4.250%. The UPB is xx | $883.66 | $441.83 | $441.83 | $441.83 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $465.05 | $482.43 | $482.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $883.66000<br> $441.83000<br> $441.83000<br> $441.83000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $465.05000<br> $482.43000<br> $482.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.400% | 0.000% | 0.000% | 50.600% | $364.78 | $8754.61 |
| 85709204 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Michigan | xx | $21837.81 | 7.200% | $556.26 | $753.76 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $556.26, and the interest rate is 7.200%. The UPB is $21,837.81 and deferred balance is $11,728.39.<br> As per the tape, there is a deferred amount of $11,728.39 and the deferral agreement located at "xx," shows that the amount of $11,728.39 has been deferred. | $745.04 | $745.04 | $745.04 | $745.04 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $753.76 | $768.88 | $768.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $745.04000<br> $745.04000<br> $745.04000<br> $745.04000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $753.76000<br> $768.88000<br> $768.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.300% | $565.13 | $13563.04 |
| 86848781 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Georgia | xx | $28414.01 | 7.750% | $476.16 | $690.48 | 2024-12-31 | 2025-01-01 | 0 | According to the seller tape data as of date xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment received date is not available. The current unpaid principal balance is xx The current P&I is $476.16 and the interest rate is 7.750%. | $702.80 | $702.80 | $702.80 | $702.80 | $702.80 | $702.80 | $702.80 | $702.80 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $690.48 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $702.80000<br> $702.80000<br> $702.80000<br> $702.80000<br> $702.80000<br> $702.80000<br> $702.80000<br> $702.80000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $690.48000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.600% | 0.000% | 0.000% | 50.000% | $521.97 | $12527.20 |
| 55716605 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $25445.83 | 4.500% | $122.24 | $231.82 | 2024-12-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. The current P&I is $122.24, and the interest rate is 4.500%. The UPB is xx | $237.19 | $237.19 | $237.19 | $237.19 | $237.19 | $237.19 | $237.19 | $237.19 | $240.00 | $237.19 | $240.00 | $240.00 | $240.00 | $240.00 | $0.00 | $463.64 | $231.82 | $231.82 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00010000000000000000010 | 01000000000000000001000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $237.19000<br> $237.19000<br> $237.19000<br> $237.19000<br> $237.19000<br> $237.19000<br> $237.19000<br> $237.19000<br> $240.00000<br> $237.19000<br> $240.00000<br> $240.00000<br> $240.00000<br> $240.00000<br> $0.00000<br> $463.64000<br> $231.82000<br> $231.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 76.600% | 0.000% | 0.000% | 50.600% | $177.58 | $4261.99 |
| 83544557 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $17356.86 | 5.000% | $956.16 | $1283.14 | 2024-12-31 | 2024-12-20 | 0 | According to payment history tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Unable to determine the last transaction details. The current P&I is $956.16 with an interest rate of 5.000%. The current UPB is xx | $1277.53 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1282.81 | $1283.14 | $1283.14 | $1283.14 | $1283.14 | $1283.14 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M11111111111111111111111 | 11111111111111111111111M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1277.53000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1282.81000<br> $1283.14000<br> $1283.14000<br> $1283.14000<br> $1283.14000<br> $1283.14000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.000% | 0.000% | 0.000% | 50.000% | $961.96 | $23086.95 |
| 99807243 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $20101.99 | 8.625% | $149.89 | $413.00 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $149.89, and the interest rate is 8.625%. The UPB is xx | $764.66 | $0.00 | $777.05 | $413.09 | $413.09 | $413.09 | $413.09 | $413.09 | $413.09 | $413.09 | $413.00 | $413.00 | $413.00 | $413.00 | $413.00 | $413.00 | $413.00 | $415.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000044444321 | 12344444000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $764.66000<br> $0.00000<br> $777.05000<br> $413.09000<br> $413.09000<br> $413.09000<br> $413.09000<br> $413.09000<br> $413.09000<br> $413.09000<br> $413.00000<br> $413.00000<br> $413.00000<br> $413.00000<br> $413.00000<br> $413.00000<br> $413.00000<br> $415.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.100% | 0.000% | 0.000% | 50.100% | $322.49 | $7739.84 |
| 64094256 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $321642.39 | 3.500% | $1290.08 | $3524.45 | 2024-12-31 | 2025-01-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received are not available. As per the tape, the current P&I is $1,290.08, and the interest rate is 3.500%. The UPB is xx | $3319.35 | $3319.35 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3407.70 | $3436.33 | $3436.33 | $3436.33 | $3524.45 | $3524.45 | $3524.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | M00000000000000000000000 | 00000000000000000000000M |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3319.35000<br> $3319.35000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3407.70000<br> $3436.33000<br> $3436.33000<br> $3436.33000<br> $3524.45000<br> $3524.45000<br> $3524.45000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.800% | 0.000% | 0.000% | 49.400% | $2566.59 | $61598.04 |
| 38062979 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $246263.33 | 7.625% | $1754.77 | $1754.77 | 2024-12-16 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,754.77 (PITI), which was applied for the due date of xx The current P&I is xx with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1754.77 | $0.00 | $0.00 | $5264.31 | $1754.77 | $1754.77 | $0.00 | $1754.77 | $3509.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 011000210 | 012000110 | 2024-12-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1754.77000<br> $0.00000<br> $0.00000<br> $5264.31000<br> $1754.77000<br> $1754.77000<br> $0.00000<br> $1754.77000<br> $3509.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 33.300% | 66.700% | $658.04 | $15792.93 |
| 96679915 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $519579.37 | 6.500% | $3293.07 | $4527.90 | 2025-01-02 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $4,527.90 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $3,293.07 with an interest rate of 6.500%.The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $13583.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 021 | 120 | 2024-12-17 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $13583.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $565.99 | $13583.70 |
| 32020006 | xx | xx | XX | xx | xx |  |  | xx | xx | Montana | xx | $1146188.82 | 6.990% | $7643.26 | $8410.59 | 2024-12-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $8,410.59 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is xx with an interest rate of 6.990%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8410.59 | $8410.59 | $8410.59 | $8410.59 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-12-23 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8410.59000<br> $8410.59000<br> $8410.59000<br> $8410.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $1401.77 | $33642.36 |
| 74630224 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $150169.52 | 9.250% | $1236.70 | $1236.70 | 2025-01-02 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,236.70 and was applied to the due date of xx/xx/2024. The monthly P&I is xx and the interest rate is xx The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1236.70 | $1236.70 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1236.70000<br> $1236.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $103.06 | $2473.40 |
| 65826055 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $229275.27 | 4.990% | $1248.03 | $1806.50 | 2024-12-30 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,806.50, which was applied for the due date of xx/xx/2024. The current P&I is $1,248.03 with an interest rate of 4.990%. The current UPB is xx | $1799.83 | $1799.83 | $1799.83 | $1799.83 | $1799.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1545.54 | $1545.54 | $1545.54 | $1545.54 | $1806.50 | $1806.50 | $2709.75 | $1806.50 | $1806.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000MMMMM0000000000 | 0000000000MMMMM000000000 | 2024-12-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1799.83000<br> $1799.83000<br> $1799.83000<br> $1799.83000<br> $1799.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1545.54000<br> $1545.54000<br> $1545.54000<br> $1545.54000<br> $1806.50000<br> $1806.50000<br> $2709.75000<br> $1806.50000<br> $1806.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 57.900% | 0.000% | 16.700% | 60.100% | $1046.54 | $25117.06 |
| 53421014 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $713940.43 | 4.875% | $3949.22 | $4900.00 | 2024-12-31 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of xx which was applied for the due date of xx The current monthly P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | $4808.95 | $4808.95 | $4808.95 | $4721.37 | $4721.37 | $4800.00 | $4800.00 | $4800.00 | $4800.00 | $4800.00 | $4800.00 | $4900.00 | $4900.00 | $4900.00 | $4900.00 | $4900.00 | $4900.00 | $4900.00 | $4900.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4808.95000<br> $4808.95000<br> $4808.95000<br> $4721.37000<br> $4721.37000<br> $4800.00000<br> $4800.00000<br> $4800.00000<br> $4800.00000<br> $4800.00000<br> $4800.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $4900.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.100% | 0.000% | 16.700% | 58.300% | $3827.90 | $91869.59 |
| 86980186 | xx | xx | XX | xx | xx |  |  | xx | xx | New Jersey | xx | $375226.74 | 5.250% | $2149.40 | $3351.12 | 2025-01-03 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $3,351.12, which was applied for the due date of xx The current monthly P&I is $2,149.40 with an interest of 5.25%. The current UPB reflected as per the payment history is xx | $0.00 | $3240.20 | $3240.20 | $3240.20 | $3240.20 | $3240.20 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3301.56 | $3351.12 | $3351.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $3240.20000<br> $3240.20000<br> $3240.20000<br> $3240.20000<br> $3240.20000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3301.56000<br> $3351.12000<br> $3351.12000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.600% | 0.000% | 16.700% | 57.700% | $2467.52 | $59220.40 |
| 12769266 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $1000000.00 | 6.875% | $6569.29 |  | 2024-12-31 | 2025-01-01 | 0 | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history as of xx the next due date is xx The current P&I is $6,569.29 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 8417001 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $499609.95 | 7.250% | $3410.88 | $3501.13 | 2024-12-30 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,501.13, which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,410.88 with an interest rate of 7.250%. The current UPB reflected as per the payment history is $499,609.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3501.13 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-10-22 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3501.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 8.300% | $145.88 | $3501.13 |
| 61258371 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Oklahoma | xx | $379105.39 | 8.000% | $2797.11 | $3621.81 | 2025-02-04 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $3,621.81 (PITI), which was applied for the due date of xx The current P&I is $2,797.11 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3621.81 | $3621.81 | $3621.81 | $3621.81 | $3621.81 | $3621.81 | $3621.81 | $3621.81 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-01-23 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $3621.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 66.700% | $1207.27 | $28974.48 |
| 66526375 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $196672.26 | 7.375% | $1361.49 | $1873.26 | 2025-01-30 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,873.26, which was applied for the due date of xx The current P&I is xx with an interest rate of xx The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1873.26 | $3746.52 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1873.26000<br> $3746.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $234.16 | $5619.78 |
| 63475383 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $1312500.00 | 7.000% | $8732.10 | $8732.10 | 2024-12-19 | 2025-01-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. As per the payment history tape data as of xx the next due date is xx/xx/2025. The current P&I is $8,732.10 with an interest rate of 7.000%. The current UPB reflected as per payment history tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 94232383 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $216213.14 | 6.880% | $1477.83 | $2502.17 | 2025-01-10 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $2,502.17, which was applied for the due date of xx The current monthly P&I is xx with an interest rate of xx The current UPB reflected as per the payment history is xx | $4408.76 | $0.00 | $4408.76 | $0.00 | $2204.38 | $2204.38 | $2204.38 | $2204.38 | $3019.53 | $2497.88 | $2497.88 | $2497.88 | $2497.88 | $2497.88 | $7119.04 | $2497.88 | $2502.17 | $2502.17 | $2502.17 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-26 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $4408.76000<br> $0.00000<br> $4408.76000<br> $0.00000<br> $2204.38000<br> $2204.38000<br> $2204.38000<br> $2204.38000<br> $3019.53000<br> $2497.88000<br> $2497.88000<br> $2497.88000<br> $2497.88000<br> $2497.88000<br> $7119.04000<br> $2497.88000<br> $2502.17000<br> $2502.17000<br> $2502.17000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.700% | 0.000% | 16.700% | 73.700% | $2094.48 | $50267.40 |
| 86986377 | xx | xx | XX | xx | xx | xx | xx | xx | xx | North Carolina | xx | $369589.29 | 5.880% | $2645.46 | $2645.46 | 2025-01-10 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx The current P&I is xx and the interest rate is 5.88%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $927.03 | $0.00 | $2645.46 | $2645.46 | $2645.46 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $927.03000<br> $0.00000<br> $2645.46000<br> $2645.46000<br> $2645.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 14.000% | 0.000% | 33.300% | 27.900% | $369.31 | $8863.41 |
| 5528347 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $230086.44 | 7.000% | $1535.85 | $1918.36 | 2025-01-10 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of xx which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,535.85 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1918.36 | $1918.36 | $1918.36 | $1918.36 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-12-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1918.36000<br> $1918.36000<br> $1918.36000<br> $1918.36000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.300% | $319.73 | $7673.44 |
| 41762566 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $266661.91 | 8.625% | $2079.00 | $2679.16 | 2025-01-10 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $2,679.16, which was applied for the due date of xx The current monthly P&I is $2,079.00 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2679.16 | $2679.16 | $2679.16 | $2679.16 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2679.16000<br> $2679.16000<br> $2679.16000<br> $2679.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $446.53 | $10716.64 |
| 29055654 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arkansas | xx | $174377.60 | 7.750% | $1251.93 | $1251.93 | 2025-01-10 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,251.93 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,251.93 with an interest rate of 7.750%. The current UPB reflected as per the tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1251.93 | $1251.93 | $1251.93 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1251.93000<br> $1251.93000<br> $1251.93000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $156.49 | $3755.79 |
| 90161986 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $149861.08 | 6.375% | $935.80 | $1237.74 | 2025-01-10 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,237.74 which was applied for the due date of xx The current monthly P&I is $935.80 with an interest rate of 6.375%. The current UPB reflected as per the tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1237.74 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1237.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $51.57 | $1237.74 |
| 56044176 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $155933.00 |  |  |  | 2024-11-30 | 2024-11-01 | 0 | According to payment history as of xx/xx/2024, the borrower is currently 1 month delinquent with the loan, and the next due date is xx Details of the last payment received are not available. The current P&I is $1,109.82 with an interest rate of 7.625. The current UPB is xx<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMM | MMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 78342367 | xx | xx | XX | xx | xx |  |  | xx | xx | Arkansas | xx | $219784.01 | 5.875% |  |  | 2024-11-30 | 2025-01-01 | 0 | The entire PH is missing. As per the review of seller's tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx Details of the last payment received are not available. As per tape, the current interest rate is 5.875%.The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMM | MMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 77247839 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $602704.65 | 6.500% | $3812.95 | $4555.79 | 2025-01-10 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $4,555.79 which was applied for the due date of xx/xx/2025. The current P&I is $3,812.95 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4555.79 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4555.79000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $189.82 | $4555.79 |
| 64244109 | xx | xx | XX | xx | xx |  |  | xx | xx | Missouri | xx | $124386.40 | 6.990% | $829.46 |  | 2024-11-30 | 2024-12-01 | 0 | According to tape data of payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The details of the last payment received are not available. The current P&I is $829.46 with an interest rate of 6.99000%. The current UPB reflected as per tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMM | MMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 17238387 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $250000.00 |  |  |  | 2024-11-30 | 2024-12-01 | 0 | The subject mortgage was originated on xx/xx/2024, and the first payment date is xx/xx/2024. As per the tape as of xx the next due date is xx and the current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 35116085 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $748627.27 | 8.500% | $5766.85 | $7036.76 | 2025-01-10 | 2025-02-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $7,036.76, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is xx and the interest rate is 8.500%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7036.76 | $0.00 | $7036.76 | $7036.76 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7036.76000<br> $0.00000<br> $7036.76000<br> $7036.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $879.60 | $21110.28 |
| 14838865 | xx | xx | XX | xx | xx |  |  | xx | xx | Delaware | xx | $388792.51 | 6.490% | $2459.34 | $2889.46 | 2025-01-10 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of xx (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is xx and the interest rate is 6.490%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2889.46 | $0.00 | $2889.46 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-01-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2889.46000<br> $0.00000<br> $2889.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 16.700% | 16.700% | $240.79 | $5778.92 |
| 91978989 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Georgia | xx | $675342.84 | 7.500% |  |  | 2024-11-30 | 2024-12-01 | 0 | As per the review of the seller's tape data as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx Details of the last payment received and current P&I are not available. As per tape, the interest rate is 7.500%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMM | MMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 68740802 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $97290.78 | 8.000% | $733.10 | $976.51 | 2024-12-26 | 2025-01-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $976.51, which was applied to the due date of xx The unpaid principal balance is xx The current P&I is $733.10, and the interest rate is 8.000%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $950.00 | $1107.58 | $1000.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2024-11-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $950.00000<br> $1107.58000<br> $1000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.500% | 0.000% | 0.000% | 50.400% | $444.07 | $10657.58 |
| 41317831 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arkansas | xx | $39627.96 | 6.990% | $265.85 | $406.92 | 2024-12-13 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $406.92 which was applied for the due date of xx/xx/2024. The current monthly P&I is $265.85 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $406.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2024-12-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $406.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 16.700% | 58.300% | $186.51 | $4476.12 |
| 12439527 | xx | xx | XX | xx | xx |  |  | xx | xx | Arkansas | xx | $157672.91 | 6.630% | $1015.50 | $1248.51 | 2024-12-30 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $1,248.51 which was applied for the due date of xx/xx/2024. The current monthly P&I is $1,015.50 with an interest rate of 6.630%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1248.51 | $0.00 | $1248.51 | $1248.51 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-12-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1248.51000<br> $0.00000<br> $1248.51000<br> $1248.51000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 16.700% | 25.000% | $156.06 | $3745.53 |
| 18176606 | xx | xx | XX | xx | xx |  |  | xx | xx | Arkansas | xx | $150100.00 | 6.990% | $997.61 | $997.61 | 2024-12-13 | 2025-01-01 | 0 | The loan originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2024, the next due date is xx and the current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 49950977 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $132081.88 | 3.000% | $600.39 | $1273.15 | 2024-12-20 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,273.15, which was applied on xx The current P&I is $600.39, and the interest rate is 3.00%. The current UPB reflected in payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $26046.06 | $1106.09 | $1273.15 | $1273.15 | $1273.15 | $1273.15 | $1273.15 | $1273.15 | $1273.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000004444444444444444 | 444444444444444400000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $26046.06000<br> $1106.09000<br> $1273.15000<br> $1273.15000<br> $1273.15000<br> $1273.15000<br> $1273.15000<br> $1273.15000<br> $1273.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 118.000% | 0.000% | 16.700% | 58.300% | $1502.68 | $36064.20 |
| 92831228 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $300014.02 | 7.500% | $2118.97 | $2485.50 | 2024-12-20 | 2024-12-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2024. The last payment was received on xx in the amount of $2,485.50, which was applied for the due date of xx The current P&I is $2,118.97, and the interest rate is 7.500%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2466.51 | $2485.50 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2024-11-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2466.51000<br> $2485.50000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.800% | 0.000% | 0.000% | 49.700% | $1336.82 | $32083.62 |
| 66474359 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $144288.41 | 10.500% | $1613.88 | $1613.88 | 2024-12-18 | 2025-01-01 | 0 | According to payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,613.88 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $1,613.88 with an interest rate of 10.500%. The current UPB is $144,288.41. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3227.76 | $1613.88 | $0.00 | $1613.88 | $1613.88 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-12-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3227.76000<br> $1613.88000<br> $0.00000<br> $1613.88000<br> $1613.88000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 41.700% | $336.23 | $8069.40 |
| 8743933 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Virginia | xx | $131232.24 | 5.125% |  |  | 2024-12-17 | 2024-04-01 | 8 | The latest payment history is missing from the loan file. According to the payment history tape data as of xx/xx/2024, the borrower has been delinquent for 8 months and the next due date for the payment is xx/xx/2024. The last transaction details are not available. The current UPB reflected as per tape data is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 99378471 | xx | xx | XX | xx | xx |  |  | xx | xx | Kentucky | xx | $66077.49 | 3.375% | $330.63 | $485.74 | 2024-12-17 | 2024-11-01 | 1 | As per the review of payment history as of xx/xx/2024, the borrower has been delinquent for 1 month on the loan, and the next due date is xx The last payment was received on xx/xx/2024 in the amount of $485.74, which was applied for the due date of xx The current P&I is $330.63 with an interest rate of 3.375%. The current UPB reflected as per payment history is xx | $1967.40 | $0.00 | $0.00 | $0.00 | $983.70 | $0.00 | $0.00 | $0.00 | $0.00 | $2447.03 | $485.74 | $485.74 | $0.00 | $485.74 | $485.74 | $485.74 | $485.74 | $485.74 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111111000432101000100021 | 120001000101234000111111 | 2024-11-20 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1967.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $983.70000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2447.03000<br> $485.74000<br> $485.74000<br> $0.00000<br> $485.74000<br> $485.74000<br> $485.74000<br> $485.74000<br> $485.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 75.500% | 0.000% | 0.000% | 41.700% | $366.60 | $8798.31 |
| 1787194 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $155292.96 | 6.500% | $983.34 | $1264.49 | 2025-01-06 | 2025-01-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,264.49 with the interest rate of 6.500%, which was applied for the due date of xx The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1225.16 | $1264.49 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-24 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1225.16000<br> $1264.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.200% | 0.000% | 16.700% | 16.400% | $103.74 | $2489.65 |
| 20834606 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $237099.92 | 6.000% | $1428.72 | $1842.15 | 2025-01-06 | 2025-01-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx in the amount of $1,842.15 which was applied on xx/xx/2024. The current monthly P&I is xx with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1842.15 | $1842.15 | $1842.15 | $1842.15 | $1842.15 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2024-12-13 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1842.15000<br> $1842.15000<br> $1842.15000<br> $1842.15000<br> $1842.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 16.700% | 41.700% | $383.78 | $9210.75 |
| 6405013 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Indiana | xx | $219805.90 | 6.625% | $1408.68 | $1853.08 | 2025-01-02 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $1,853.08 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,408.68 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1853.08 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1853.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $77.21 | $1853.08 |
| 96640536 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $563500.00 | 6.990% | $3745.20 | $3745.20 | 2025-01-02 | 2025-01-01 | 0 | The loan originated on xx/xx/2024 with a first payment date of xx/xx/2025. As per the payment history dated xx/xx/2025, the next due date is xx/xx/2025. The current interest rate is 6.99%, and P&I is $3,745.20, and UPB is $563,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 83452832 | xx | xx | XX | xx | xx |  |  | xx | xx | Oklahoma | xx | $212015.95 | 7.625% | $1519.63 | $2135.86 | 2025-01-02 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx The last payment was received on xx/xx/2025 in the amount of $2,135.86, which was applied for the due date of xx The current monthly P&I is $1,519.63 with an interest rate of 7.625%. The current UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4181.98 | $0.00 | $2081.98 | $4163.96 | $0.00 | $2200.00 | $2202.00 | $4281.98 | $2100.00 | $2100.00 | $2175.98 | $0.00 | $2200.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4181.98000<br> $0.00000<br> $2081.98000<br> $4163.96000<br> $0.00000<br> $2200.00000<br> $2202.00000<br> $4281.98000<br> $2100.00000<br> $2100.00000<br> $2175.98000<br> $0.00000<br> $2200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 54.000% | 0.000% | 17.200% | 67.300% | $1153.66 | $27687.88 |
| 65698327 | xx | xx | XX | xx | xx |  |  | xx | xx | West Virginia | xx | $58432.09 | 6.990% | $393.79 | $618.46 | 2025-01-06 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $618.46 which was applied for the due date of xx/xx/2025. The current monthly P&I is $393.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is $58,432.09.<br> PH shows a large transaction in the amount of $4,198.88 on xx/xx/2024, which was applied for the due dates of xx/xx/2023 to xx/xx/2024. The collection comment dated xx/xx/2024 shows the payments are made by the borrower. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4198.88 | $0.00 | $600.00 | $630.00 | $630.00 | $630.00 | $0.00 | $630.00 | $630.00 | $1042.10 | $619.01 | $619.01 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000004321M | M1234000000000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4198.88000<br> $0.00000<br> $600.00000<br> $630.00000<br> $630.00000<br> $630.00000<br> $0.00000<br> $630.00000<br> $630.00000<br> $1042.10000<br> $619.01000<br> $619.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 68.900% | 0.000% | 33.400% | 64.700% | $426.21 | $10229.00 |
| 89772846 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $288684.90 | 7.625% | $2066.76 | $2709.97 | 2025-01-08 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,709.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,066.76 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $288,684.90. | $0.00 | $0.00 | $0.00 | $0.00 | $2491.77 | $2491.77 | $2491.77 | $2491.77 | $2491.77 | $2491.77 | $2491.77 | $2491.77 | $0.00 | $2491.77 | $7578.65 | $2491.77 | $2709.97 | $2709.97 | $2709.97 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000001100000000 | 000000001100000 | 2024-12-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $2491.77000<br> $0.00000<br> $2491.77000<br> $7578.65000<br> $2491.77000<br> $2709.97000<br> $2709.97000<br> $2709.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.500% | 0.000% | 16.700% | 63.600% | $1692.76 | $40626.26 |
| 401565 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $482500.00 | 6.880% | $3225.15 |  | 2025-01-05 | 2025-02-02 | 0 | The loan originated on xx/xx/2024, and the first payment date is xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $3,225.15 with an interest rate of $6.875%. The current UPB is $482,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 51330448 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Illinois | xx | $636255.51 | 6.475% | $4085.15 | $6764.63 | 2024-12-03 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $6,764.63, which was applied for the due date of xx/xx/2024. The current monthly P&I is $4,085.15 with an interest rate of 6.475%. The current UPB reflected as per the payment history is $636,255.51. | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6051.75 | $6513.53 | $6513.53 | $6513.53 | $6513.53 | $6513.53 | $6764.63 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2024-12-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6051.75000<br> $6513.53000<br> $6513.53000<br> $6513.53000<br> $6513.53000<br> $6513.53000<br> $6764.63000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 72.700% | 0.000% | 16.700% | 55.900% | $4916.88 | $118005.03 |
| 5063961 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $145306.32 | 6.500% | $938.62 | $1200.00 | 2024-12-31 | 2024-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower has been delinquent for one month, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $1,200.00 (PITI) and was applied to the due date of xx/xx/2024. The monthly P&I is $938.62, and the interest rate is 6.500%. The current UPB is $145,306.32. | $0.00 | $0.00 | $0.00 | $1171.17 | $0.00 | $0.00 | $1171.17 | $1171.17 | $0.00 | $3560.45 | $1171.17 | $1172.00 | $1171.17 | $2342.34 | $0.00 | $1171.17 | $1171.17 | $1172.97 | $1200.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 111110000021110 | 011120000011111 | 2024-12-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1171.17000<br> $0.00000<br> $0.00000<br> $1171.17000<br> $1171.17000<br> $0.00000<br> $3560.45000<br> $1171.17000<br> $1172.00000<br> $1171.17000<br> $2342.34000<br> $0.00000<br> $1171.17000<br> $1171.17000<br> $1172.97000<br> $1200.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 61.300% | 0.000% | 16.700% | 57.100% | $735.25 | $17645.95 |
| 15491810 | xx | xx | XX | xx | xx |  |  | xx | xx | Pennsylvania | xx | $120275.57 | 6.875% | $794.88 | $1052.72 | 2025-01-30 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,052.72, which was applied for the due date of xx/xx/2025. The current monthly P&I is $794.88 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $120,275.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1052.72 | $1052.72 | $1052.72 | $1052.72 | $1052.72 | $0.00 | $1052.72 | $1052.72 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-01-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1052.72000<br> $1052.72000<br> $1052.72000<br> $1052.72000<br> $1052.72000<br> $0.00000<br> $1052.72000<br> $1052.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $307.04 | $7369.04 |
| 18898780 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $381284.80 | 9.625% | $3252.87 | $3643.34 | 2025-01-10 | 2025-02-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Last payment was received on xx/xx/2024 in the amount of $3,700.00 which was applied on xx/xx/2025. Current P&I is $3,252.87 and the interest rate is 9.625%. The UPB is reflected in the amount of $381,284.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3700.00 | $3700.00 | $3700.00 | $3700.00 | $3700.00 | $3700.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2024-12-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3700.00000<br> $3700.00000<br> $3700.00000<br> $3700.00000<br> $3700.00000<br> $3700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.400% | 0.000% | 16.900% | 50.800% | $925.00 | $22200.00 |
| 69616575 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Nevada | xx | $466072.57 | 3.990% | $1949.98 | $2725.00 | 2025-01-10 | 2025-02-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,725.00, which was applied for the due date of xx/xx/2025. The current P&I is $1,949.98, and the rate of interest is 3.990%. The current UPB reflected as per the payment history is $466,072.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2926.29 | $0.00 | $2926.29 | $5534.54 | $0.00 | $2725.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000444444444444443210000 | 000012344444444444444000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2926.29000<br> $0.00000<br> $2926.29000<br> $5534.54000<br> $0.00000<br> $2725.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 21.600% | 0.000% | 16.700% | 43.200% | $588.01 | $14112.12 |
| 24271587 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $372719.47 | 9.130% | $3051.12 | $3302.87 | 2025-01-07 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,302.87 which was applied for the due date of xx/xx/2024. The current monthly P&I is $3,051.12 with an interest rate of 9.130%. The current UPB reflected as per the payment history is $372,719.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3302.87 | $0.00 | $3302.87 | $6605.74 | $0.00 | $6605.74 | $0.00 | $6605.74 | $3302.87 | $3302.87 | $3302.87 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00001010110 | 01101010000 | 2024-12-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3302.87000<br> $0.00000<br> $3302.87000<br> $6605.74000<br> $0.00000<br> $6605.74000<br> $0.00000<br> $6605.74000<br> $3302.87000<br> $3302.87000<br> $3302.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 16.700% | 58.300% | $1513.82 | $36331.57 |
| 44303846 | xx | xx | XX | xx | xx |  |  | xx | xx | Pennsylvania | xx | $207234.33 | 9.375% | $1729.93 | $2058.61 | 2025-01-14 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,058.61, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,729.93 with an interest rate of 9.375%.The current UPB reflected as per the payment history is $207,234.33. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2058.61 | $2058.61 | $0.00 | $4117.22 | $2058.61 | $0.00 | $4117.22 | $0.00 | $0.00 | $0.00 | $0.00 | 0100100 | 0010010 | 2025-01-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2058.61000<br> $2058.61000<br> $0.00000<br> $4117.22000<br> $2058.61000<br> $0.00000<br> $4117.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $600.43 | $14410.27 |
| 94901205 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $79661.44 | 6.375% | $514.38 | $606.90 | 2025-01-02 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $606.90 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $514.38 with an interest rate of 6.375%. The current UPB is $79,661.44. | $806.90 | $806.90 | $0.00 | $1213.80 | $0.00 | $606.90 | $0.00 | $1213.80 | $643.10 | $650.00 | $650.00 | $606.90 | $606.90 | $606.90 | $606.90 | $606.90 | $606.90 | $0.00 | $606.90 | $606.90 | $0.00 | $0.00 | $0.00 | $0.00 | 11100000000001000100000 | 00000100010000000000111 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $806.90000<br> $806.90000<br> $0.00000<br> $1213.80000<br> $0.00000<br> $606.90000<br> $0.00000<br> $1213.80000<br> $643.10000<br> $650.00000<br> $650.00000<br> $606.90000<br> $606.90000<br> $606.90000<br> $606.90000<br> $606.90000<br> $606.90000<br> $0.00000<br> $606.90000<br> $606.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 78.600% | 0.000% | 33.300% | 58.300% | $476.94 | $11446.60 |
| 60385804 | xx | xx | XX | xx | xx |  |  | xx | xx | Utah | xx | $413649.43 | 5.750% | $2494.77 | $2845.19 | 2024-12-16 | 2025-01-01 | 0 | According to the latest payment history as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,845.19 which was applied to the due date of xx/xx/2024. The unpaid principal balance is $413,649.43. The current P&I is $2,494.77 and the interest rate is 5.750%. | $0.00 | $5690.38 | $2845.19 | $0.00 | $8535.57 | $2845.19 | $2845.19 | $0.00 | $2845.19 | $2845.19 | $5690.38 | $0.00 | $0.00 | $8535.57 | $0.00 | $5690.38 | $2845.19 | $2845.19 | $2845.19 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000010210111000211211211 | 112112112000111012010000 | 2024-12-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $5690.38000<br> $2845.19000<br> $0.00000<br> $8535.57000<br> $2845.19000<br> $2845.19000<br> $0.00000<br> $2845.19000<br> $2845.19000<br> $5690.38000<br> $0.00000<br> $0.00000<br> $8535.57000<br> $0.00000<br> $5690.38000<br> $2845.19000<br> $2845.19000<br> $2845.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 16.700% | 66.700% | $2370.99 | $56903.80 |
| 13949657 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $974136.69 | 6.125% | $5936.35 | $6873.26 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date of payment is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,873.26, which applied for xx/xx/2025. The current P&I is $5,936.35 with an interest rate of 6.125%. The current UPB is $974,136.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6873.26 | $6873.26 | $6873.26 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6873.26000<br> $6873.26000<br> $6873.26000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $859.16 | $20619.78 |
| 90674752 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $241170.79 | 8.875% | $1925.46 | $2258.76 | 2025-01-30 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,258.76 (PITI) which was applied for the due date of xx/xx/2024. The current P&I is $1,925.46 with an interest rate of 8.875%. The current UPB reflected as per the payment history is $241,170.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6776.28 | $0.00 | $2258.76 | $4517.52 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 011021 | 120110 | 2024-12-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6776.28000<br> $0.00000<br> $2258.76000<br> $4517.52000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 33.300% | 50.000% | $564.69 | $13552.56 |
| 52603335 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $247500.00 | 7.875% | $1794.55 |  | 2025-02-08 | 2024-10-01 | 4 | According to payment history as of xx/xx/2025, the first payment due date is xx/xx/2024, and the borrower has been delinquent for 4 months, and the next due date is xx/xx/2024. The current P&I is $1,794.55 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $247,500.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4321 | 1234 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 17234019 | xx | xx | XX | xx | xx |  |  | xx | xx | Oklahoma | xx | $154591.24 | 6.375% | $988.21 | $1284.97 | 2025-01-16 | 2025-01-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,284.97 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $988.21 with an interest rate of 6.375%. The current UPB is $154,591.24. | $1284.97 | $1284.97 | $1284.97 | $0.00 | $2569.94 | $1285.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7718.02 | $1287.02 | $1287.02 | $860.81 | $1287.02 | $0.00 | $0.00 | $1287.02 | $1284.97 | $2569.94 | $0.00 | $0.00 | $0.00 | $0.00 | 12221000004321001000 | 00010012340000012221 | 2025-01-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1284.97000<br> $1284.97000<br> $1284.97000<br> $0.00000<br> $2569.94000<br> $1285.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7718.02000<br> $1287.02000<br> $1287.02000<br> $860.81000<br> $1287.02000<br> $0.00000<br> $0.00000<br> $1287.02000<br> $1284.97000<br> $2569.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 82.000% | 0.000% | 50.000% | 55.600% | $1053.82 | $25291.67 |
| 47516190 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $191584.75 | 6.750% | $1256.98 | $1700.00 | 2025-01-08 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,700.00 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,256.98 with an interest rate of 6.750%.The current UPB is reflected as per the payment history: $191,584.75. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2945.72 | $1611.44 | $1700.00 | $1700.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2945.72000<br> $1611.44000<br> $1700.00000<br> $1700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 19.500% | 0.000% | 33.300% | 39.000% | $331.55 | $7957.16 |
| 46292364 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $38509.34 | 6.375% | $336.19 | $634.94 | 2025-02-03 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The last payment was received on xx/xx/2025 in the amount of $634.94, which was applied for the due date of xx/xx/2025. The current monthly P&I is $336.19 with an interest rate of 6.375%.The current UPB reflected as per the payment history is $38,509.34. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $634.94 | $634.94 | $634.94 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $634.94000<br> $634.94000<br> $634.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $79.37 | $1904.82 |
| 32850478 | xx | xx | XX | xx | xx |  |  | xx | xx | Mississippi | xx | $511715.47 | 7.490% | $3616.64 | $4439.47 | 2025-01-19 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,439.47 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,616.64 with an interest rate of 7.490%. The current UPB reflected as per the payment history is $511,715.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4389.48 | $4439.47 | $4439.47 | $4439.47 | $4439.47 | $4439.47 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4389.48000<br> $4439.47000<br> $4439.47000<br> $4439.47000<br> $4439.47000<br> $4439.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.000% | 0.000% | 33.300% | 66.400% | $2753.84 | $66092.15 |
| 71084221 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $142300.79 | 6.625% | $916.93 | $1342.67 | 2025-01-08 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,342.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $916.93 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $142,300.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1342.67 | $1342.67 | $1342.67 | $1342.67 | $1342.67 | $1342.67 | $1342.67 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1342.67000<br> $1342.67000<br> $1342.67000<br> $1342.67000<br> $1342.67000<br> $1342.67000<br> $1342.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $391.61 | $9398.69 |
| 49950710 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Missouri | xx | $300253.19 | 6.990% | $1997.22 | $1997.22 | 2025-01-17 | 2025-02-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,997.22 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $300,253.19. The current P&I is $1,997.22 and the interest rate is 6.990%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1997.22 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1997.22000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $83.22 | $1997.22 |
| 41293709 | xx | xx | XX | xx | xx |  |  | xx | xx | Colorado | xx | $366399.43 | 8.625% | $2858.38 | $3334.64 | 2025-01-22 | 2024-11-01 | 2 | According to payment history as of xx/xx/2025, the borrower is delinquent for 2 months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $3,334.64 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,858.38 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $366,399.43. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3334.64 | $3334.64 | $3334.64 | $0.00 | $6669.28 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2101000 | 0001012 | 2024-10-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3334.64000<br> $3334.64000<br> $3334.64000<br> $0.00000<br> $6669.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 0.000% | 41.700% | $694.72 | $16673.20 |
| 41045368 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $54862.02 | 8.625% | $427.78 | $427.78 | 2025-01-24 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $427.78, which was applied to the due date of xx/xx/2025. The current P&I is $427.78 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $54,862.02. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $427.78 | $430.00 | $430.00 | $430.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $427.78000<br> $430.00000<br> $430.00000<br> $430.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.500% | 33.500% | $71.57 | $1717.78 |
| 92536048 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $49725.69 | 8.625% | $496.04 | $496.04 | 2025-01-24 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan. The last payment was received on xx/xx/2025, which was applied for the due date of xx/xx/2025, and the next due date for payment is xx/xx/2025. The P&I is $496.04, and the interest rate is 8.625%. The UPB reflected as per the payment history is $49,725.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $496.04 | $496.04 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $496.04000<br> $496.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $41.34 | $992.08 |
| 36768939 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $731980.47 | 5.875% | $4347.80 | $5145.83 | 2025-01-24 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,145.83 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $4,347.80 with an interest rate of 5.875%. The current UPB reflected as per the payment history is $731,980.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5145.83 | $5145.83 | $5145.83 | $5145.83 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5145.83000<br> $5145.83000<br> $5145.83000<br> $5145.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $857.64 | $20583.32 |
| 16858168 | xx | xx | XX | xx | xx |  |  | xx | xx | Montana | xx | $511178.69 | 7.125% | $3449.44 | $3449.44 | 2025-02-03 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was made on xx/xx/2025 in the amount of $3,449.44, which was applied to the due date of xx/xx/2025. The current P&I is $3,449.44 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $511,178.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3449.44 | $3449.44 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3449.44000<br> $3449.44000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $287.45 | $6898.88 |
| 49053963 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $706264.40 | 6.490% | $4546.16 | $5022.97 | 2025-01-24 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,022.97 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $4,546.16 with an interest rate of 6.490%. The current UPB is $706,264.40. | $0.00 | $10001.84 | $5000.94 | $5000.94 | $5000.94 | $5000.94 | $5002.47 | $5002.47 | $5002.47 | $5002.47 | $5002.47 | $5002.47 | $5002.47 | $5022.97 | $5022.97 | $5022.97 | $5022.97 | $5022.97 | $5022.97 | $5022.97 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000000000000 | 0000000000000000000 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $10001.84000<br> $5000.94000<br> $5000.94000<br> $5000.94000<br> $5000.94000<br> $5002.47000<br> $5002.47000<br> $5002.47000<br> $5002.47000<br> $5002.47000<br> $5002.47000<br> $5002.47000<br> $5022.97000<br> $5022.97000<br> $5022.97000<br> $5022.97000<br> $5022.97000<br> $5022.97000<br> $5022.97000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.100% | 0.000% | 33.300% | 66.600% | $4174.32 | $100183.68 |
| 21195935 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $59219.74 | 8.625% | $595.25 | $595.25 | 2025-01-24 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $595.25, which was applied to the due date of xx/xx/2025. The current P&I is $595.25 with an interest rate of 8.625%. The current UPB reflected as per the payment history is $59,219.74. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $745.25 | $895.25 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-01-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $745.25000<br> $895.25000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 11.500% | 0.000% | 45.900% | 23.000% | $68.35 | $1640.50 |
| 77462988 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $445837.19 | 6.250% | $2803.98 | $3289.56 | 2025-01-24 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the amount of $3,289.56, which was applied to the due date of xx/xx/2025. The current P&I is $2,803.98 with an interest rate of 6.25%. The current UPB reflected as per the payment history is $445,837.19. | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3290.70 | $3273.51 | $3289.56 | $3289.56 | $3289.56 | $3289.56 | $3289.56 | $3289.56 | $3289.56 | $3289.56 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000 | 000000000000000000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3290.70000<br> $3273.51000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $3289.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.300% | 0.000% | 33.300% | 66.700% | $2741.15 | $65787.69 |
| 3477617 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $257101.72 | 5.000% | $1497.73 | $2363.74 | 2025-01-24 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,363.74 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,497.73 with an interest rate of 5.000%. The current UPB reflected as per the payment history is $257,101.72. | $8725.67 | $2309.24 | $2309.24 | $2309.24 | $2667.81 | $2667.81 | $2667.81 | $2667.81 | $2667.81 | $2667.81 | $2667.81 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $2363.74 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000100 | 001000000000000000000000 | 2025-01-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $8725.67000<br> $2309.24000<br> $2309.24000<br> $2309.24000<br> $2667.81000<br> $2667.81000<br> $2667.81000<br> $2667.81000<br> $2667.81000<br> $2667.81000<br> $2667.81000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $2363.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 98.000% | 0.000% | 33.300% | 66.700% | $2316.74 | $55601.72 |
| 83736094 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $1187370.35 | 8.125% | $8909.97 | $9527.40 | 2025-02-03 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025 the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received in the mount of $9,527.40 on xx/xx/2025, which was applied to the due date for xx/xx/2025. The current P&I is $8,909.97 with an interest rate of 8.125%. The current UPB reflected as per the payment history is $1,187,370.35. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $22293.96 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $100132.77 | $11527.40 | $0.00 | $0.00 | $0.00 | $0.00 | 004444432101 | 101234444400 | 2025-01-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $22293.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $100132.77000<br> $11527.40000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.600% | 0.000% | 195.300% | 97.700% | $5581.42 | $133954.13 |
| 5455677 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $222049.95 | 6.500% | $1422.15 | $1963.90 | 2025-01-27 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,963.90, which was applied to the due date of xx/xx/2025. The current P&I is $1,422.15 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $222,049.95. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1774.70 | $1963.90 | $1963.90 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1774.70000<br> $1963.90000<br> $1963.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 53.500% | 0.000% | 33.300% | 61.800% | $1051.01 | $25224.20 |
| 41251746 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Minnesota | xx | $248713.57 | 4.500% | $1357.92 | $2090.43 | 2025-01-27 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,090.43, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,357.92 with an interest rate of 4.50%. The current UPB reflected as per the payment history is $248,713.57. | $1788.99 | $2045.96 | $2045.96 | $3068.94 | $2045.96 | $2045.96 | $2045.96 | $2045.96 | $2045.96 | $3068.94 | $2045.96 | $2045.96 | $2045.96 | $2190.43 | $3285.64 | $2190.43 | $2190.43 | $2190.43 | $2190.43 | $2190.43 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-17 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1788.99000<br> $2045.96000<br> $2045.96000<br> $3068.94000<br> $2045.96000<br> $2045.96000<br> $2045.96000<br> $2045.96000<br> $2045.96000<br> $3068.94000<br> $2045.96000<br> $2045.96000<br> $2045.96000<br> $2190.43000<br> $3285.64000<br> $2190.43000<br> $2190.43000<br> $2190.43000<br> $2190.43000<br> $2190.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.300% | 0.000% | 34.900% | 73.600% | $1867.28 | $44814.69 |
| 75986992 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $113630.82 | 6.125% | $717.78 | $930.03 | 2025-01-27 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $930.03, which was applied for the due date of xx/xx/2025. The current monthly P&I is $717.78 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $113,630.82. | $886.07 | $886.07 | $2917.82 | $1772.14 | $886.07 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $967.86 | $0.00 | $1860.06 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000 | 000000000000000000 | 2024-12-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $886.07000<br> $886.07000<br> $2917.82000<br> $1772.14000<br> $886.07000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $967.86000<br> $0.00000<br> $1860.06000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.300% | 0.000% | 33.300% | 60.000% | $867.61 | $20822.55 |
| 50594102 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $70656.54 | 8.000% | $522.81 | $795.31 | 2025-01-27 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $795.31 which was applied for the due date of xx/xx/2025. The current monthly P&I is $522.81 with an interest rate of 8.00%. The current UPB reflected as per the payment history is $70,656.54. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $781.41 | $824.31 | $795.31 | $795.31 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2024-12-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $781.41000<br> $824.31000<br> $795.31000<br> $795.31000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 16.700% | 33.500% | $133.18 | $3196.34 |
| 31022063 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $221549.79 | 6.000% | $1348.99 | $1841.76 | 2025-01-27 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.76, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,348.99 with an interest rate of 6.00%. The current UPB reflected as per the payment history is $221,549.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3604.08 | $1802.04 | $1802.04 | $1803.17 | $2703.06 | $1802.04 | $1802.04 | $1841.76 | $1841.76 | $1841.76 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-01-20 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3604.08000<br> $1802.04000<br> $1802.04000<br> $1803.17000<br> $2703.06000<br> $1802.04000<br> $1802.04000<br> $1841.76000<br> $1841.76000<br> $1841.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 47.200% | 0.000% | 33.300% | 69.800% | $868.49 | $20843.75 |
| 46717272 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $57667.80 | 6.750% | $412.10 | $808.62 | 2025-01-27 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $808.62, which was applied to the due date of xx/xx/2025. The current P&I is $412.10 with an interest rate of 6.75%. The current UPB reflected as per the payment history is $57,667.80. | $0.00 | $680.23 | $680.23 | $680.00 | $680.23 | $680.00 | $730.00 | $750.00 | $725.00 | $725.00 | $1500.00 | $0.00 | $725.00 | $725.00 | $730.00 | $725.00 | $725.00 | $750.00 | $820.00 | $810.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $680.23000<br> $680.23000<br> $680.00000<br> $680.23000<br> $680.00000<br> $730.00000<br> $750.00000<br> $725.00000<br> $725.00000<br> $1500.00000<br> $0.00000<br> $725.00000<br> $725.00000<br> $730.00000<br> $725.00000<br> $725.00000<br> $750.00000<br> $820.00000<br> $810.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 71.300% | 0.000% | 33.600% | 61.900% | $576.70 | $13840.69 |
| 98358476 | xx | xx | XX | xx | xx |  |  | xx | xx | Iowa | xx | $74351.68 | 4.000% | $407.83 | $621.11 | 2025-01-27 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $621.11, which was applied for the due date of xx/xx/2025. The current monthly P&I is $407.83 with an interest rate of 4.00%. The current UPB reflected as per the payment history is $74,351.68. | $606.00 | $606.00 | $606.00 | $606.00 | $606.00 | $637.09 | $637.09 | $637.09 | $637.09 | $637.09 | $637.09 | $637.09 | $0.00 | $1274.18 | $637.09 | $637.09 | $637.09 | $621.11 | $621.11 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2024-12-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $606.00000<br> $606.00000<br> $606.00000<br> $606.00000<br> $606.00000<br> $637.09000<br> $637.09000<br> $637.09000<br> $637.09000<br> $637.09000<br> $637.09000<br> $637.09000<br> $0.00000<br> $1274.18000<br> $637.09000<br> $637.09000<br> $637.09000<br> $621.11000<br> $621.11000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 79.900% | 0.000% | 16.700% | 59.400% | $496.55 | $11917.30 |
| 77754664 | xx | xx | XX | xx | xx |  |  | xx | xx | Tennessee | xx | $135628.63 | 7.875% | $991.89 | $1105.47 | 2025-01-09 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,105.47 which was applied to the due date of xx/xx/2025. The current P&I is $991.89 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $135,628.63. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1105.47 | $2210.94 | $0.00 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $1105.47 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-01-09 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1105.47000<br> $2210.94000<br> $0.00000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $1105.47000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 33.300% | 66.700% | $552.74 | $13265.64 |
| 32329675 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $376515.98 | 4.750% | $2056.59 | $2678.32 | 2025-01-30 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,678.32, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,056.59 with an interest rate of 4.75%. The current UPB reflected as per the payment history is $376,515.98. | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $3069.49 | $2999.74 | $2786.74 | $2678.32 | $2678.32 | $2678.32 | $2678.32 | $2700.00 | $2678.32 | $2700.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-09 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $3069.49000<br> $2999.74000<br> $2786.74000<br> $2678.32000<br> $2678.32000<br> $2678.32000<br> $2678.32000<br> $2700.00000<br> $2678.32000<br> $2700.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.800% | 0.000% | 33.500% | 67.100% | $2430.94 | $58342.47 |
| 10246667 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $275677.37 | 3.375% | $1061.23 | $1841.16 | 2025-01-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,841.16, which was applied to the due date of xx/xx/2025. The current P&I is $1,061.23 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $275,677.37. | $0.00 | $0.00 | $0.00 | $1967.11 | $0.00 | $1967.11 | $0.00 | $1755.10 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $1841.16 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000044433210000 | 000012334440000000000000 | 2025-01-20 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $1967.11000<br> $0.00000<br> $1967.11000<br> $0.00000<br> $1755.10000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $1841.16000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.900% | 0.000% | 33.300% | 66.700% | $1157.64 | $27783.24 |
| 74015349 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $199545.71 | 13.250% | $2251.55 | $2849.09 | 2025-01-02 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,849.09, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,251.55 with an interest rate of 13.250%. The current UPB is $199,545.71. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $2849.09 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $2849.09000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 33.300% | 66.700% | $1187.12 | $28490.90 |
| 46837956 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Washington | xx | $526036.85 | 6.000% | $2894.33 |  | 2025-01-30 | 2025-01-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $3,500.00 (PITI) and was applied to the due date of xx/xx/2023. The current monthly P&I is $2,894.33, and the interest rate is 6.00%. The current UPB is $526,036.85. The due dates are moved from xx/xx/2023 to xx/xx/2025 as the loan was modified on xx/xx/2024. | $0.00 | $0.00 | $5789.68 | $0.00 | $0.00 | $4913.39 | $0.00 | $3500.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 044444444443322101444444 | 444444101223344444444440 | 2024-01-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $5789.68000<br> $0.00000<br> $0.00000<br> $4913.39000<br> $0.00000<br> $3500.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $591.79 | $14203.07 |
| 40451132 | xx | xx | XX | xx | xx |  |  | xx | xx | Utah | xx | $200162.70 | 6.625% | $1792.87 | $1792.87 | 2025-01-23 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,792.87, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,792.87 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $200,162.70.<br> PH shows large transactions on Nov-2023, March-24, and April-24 in the amounts of $8000.00, $10,000.00, and $15,000.00, respectively. CCs of the same dates show these are BWR payments. | $0.00 | $0.00 | $0.00 | $0.00 | $4792.87 | $9792.87 | $1792.87 | $1792.87 | $1792.87 | $11792.87 | $16792.87 | $1792.87 | $1792.87 | $1792.87 | $1792.87 | $1792.87 | $11792.87 | $1792.87 | $0.00 | $3585.74 | $0.00 | $0.00 | $0.00 | $0.00 | 0100000000000000 | 0000000000000010 | 2025-01-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4792.87000<br> $9792.87000<br> $1792.87000<br> $1792.87000<br> $1792.87000<br> $11792.87000<br> $16792.87000<br> $1792.87000<br> $1792.87000<br> $1792.87000<br> $1792.87000<br> $1792.87000<br> $11792.87000<br> $1792.87000<br> $0.00000<br> $3585.74000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 173.600% | 0.000% | 33.300% | 113.100% | $3111.91 | $74685.92 |
| 15945009 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $732000.00 | 7.000% | $4870.01 | $4870.01 | 2025-01-30 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024, and the first pay date is xx/xx/2025. As per the payment history as of xx/xx/2025, the next due date as per tape is xx/xx/2025. As per the tape, the current P&I is $4,870.01, and the interest rate is 7.00%. The UPB is $732,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 68515705 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $275504.36 | 5.500% | $2267.41 | $2615.94 | 2025-02-03 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,615.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,267.41 with an interest rate of 5.500%. The current UPB reflected as per the payment history is $275,504.36. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2615.94 | $2615.94 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2615.94000<br> $2615.94000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $218.00 | $5231.88 |
| 54801534 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $115377.40 | 6.625% | $742.76 | $820.81 | 2025-01-22 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $820.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $742.76 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $115,377.40. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $820.81 | $0.00 | $1641.62 | $820.81 | $820.81 | $820.81 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2024-12-23 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $820.81000<br> $0.00000<br> $1641.62000<br> $820.81000<br> $820.81000<br> $820.81000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 16.700% | 50.000% | $205.20 | $4924.86 |
| 46441850 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $577150.00 | 7.375% | $3986.23 |  | 2025-02-03 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024 with the first payment date of xx/xx/2025. According to the latest payment history as of xx/xx/2025, the next due date is xx/xx/2025. The unpaid principal balance is $577,150.00. The current P&I is $3,986.23 and interest rate is 7.375%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 22097608 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $616125.69 | 7.875% | $4470.42 | $6102.42 | 2025-02-03 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,102.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,470.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is $616,125.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6102.42 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-16 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6102.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $254.27 | $6102.42 |
| 41439294 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $431902.84 | 7.625% | $3068.29 | $3991.70 | 2025-01-09 | 2025-02-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,991.70 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $431,902.84. The current P&I is $3,068.29 and the interest rate is 7.625%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3991.70 | $3991.70 | $3991.70 | $4000.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000M | M0000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3991.70000<br> $3991.70000<br> $3991.70000<br> $4000.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.400% | 33.400% | $665.63 | $15975.10 |
| 22022043 | xx | xx | XX | xx | xx |  |  | xx | xx | Missouri | xx | $193844.51 | 7.625% | $1375.02 | $1979.02 | 2025-02-03 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,979.02 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,375.02 with an interest rate of 7.625%. The current UPB is $193,844.51. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1979.02 | $3958.04 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2024-12-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1979.02000<br> $3958.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $247.38 | $5937.06 |
| 40789713 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $315959.19 | 5.500% | $1803.95 | $2337.01 | 2025-01-31 | 2025-02-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,337.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,803.95 with an interest rate of 5.500%. The current UPB reflected as per payment history is $315,959.19. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2337.01 | $2337.01 | $2337.01 | $2337.01 | $2337.01 | $0.00 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2337.01000<br> $2337.01000<br> $2337.01000<br> $2337.01000<br> $2337.01000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $486.88 | $11685.05 |
| 65924178 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $525597.40 | 6.625% | $3374.44 | $4159.76 | 2025-02-03 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,159.76 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,374.44 with an interest rate of 6.625%. The current UPB is $525,597.40. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4159.76 | $4159.76 | $4159.76 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4159.76000<br> $4159.76000<br> $4159.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $519.97 | $12479.28 |
| 55239769 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $58482.60 | 4.250% | $309.43 | $768.58 | 2025-02-28 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $768.58, which was applied for the due date of xx/xx/2025. The current monthly P&I is $309.43 with an interest rate of 4.250%.The current UPB reflected as per the payment history is $58,482.60.<br>| $630.80 | $630.80 | $630.80 | $630.80 | $630.80 | $630.80 | $630.80 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $659.19 | $1168.58 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $630.80000<br> $630.80000<br> $630.80000<br> $630.80000<br> $630.80000<br> $630.80000<br> $630.80000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $659.19000<br> $1168.58000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 73.200% | 0.000% | 39.600% | 62.700% | $562.27 | $13494.46 |
| 4247583 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $267806.03 | 7.630% | $1896.89 | $2167.08 | 2025-02-04 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,167.08, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,896.89 with an interest rate of 7.630%. The current UPB reflected as per the payment history is $267,806.03. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2167.08 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-24 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2167.08000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $90.30 | $2167.08 |
| 80288853 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $176000.00 | 6.375% | $1098.01 |  | 2024-12-31 | 2025-02-01 | 0 | The loan origination date is xx/xx/2024, and the first pay date is xx/xx/2025. As per the review of the seller's tape data as of xx/xx/2024, the next due date is xx/xx/2025. As per the tape, the current P&I is $1,098.01, and the interest rate is 6.375%. The UPB is $176,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 6835645 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $89836.59 | 11.000% | $857.09 | $857.09 | 2025-02-07 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $857.09 which was applied for the due date of xx/xx/2025. The current monthly P&I is $857.09 with an interest rate of 11.00%. The current UPB reflected as per the payment history is $89,836.59. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2571.27 | $0.00 | $857.09 | $857.09 | $0.00 | $0.00 | $0.00 | 00001 | 10000 | 2025-02-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2571.27000<br> $0.00000<br> $857.09000<br> $857.09000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $178.56 | $4285.45 |
| 94913965 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $104707.79 | 9.875% | $911.77 | $911.77 | 2025-02-07 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $911.77, which was applied for the due date of xx/xx/2025. The current P&I is $911.77, and the interest rate is 9.875%. The UPB as per the payment history is $104,707.79. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $911.77 | $911.77 | $0.00 | $1823.54 | $1823.54 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-01-17 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $911.77000<br> $911.77000<br> $0.00000<br> $1823.54000<br> $1823.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 66.700% | 50.000% | $227.94 | $5470.62 |
| 23212867 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $676000.00 | 7.125% | $4554.34 | $4823.93 | 2025-02-05 | 2024-11-01 | 3 | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2024. According to the payment history as of xx/xx/2025, the borrower has been delinquent for 3 months, and the next due date is xx/xx/2024.The current P&I is $4,554.34 with an interest rate of 7.125%. The current UPB is $676,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 321 | 123 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 5218650 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $1878750.00 | 8.875% | $14948.18 |  | 2024-12-31 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024, and the first payment date is xx/xx/2025. According to payment history tape data as of xx/xx/2024, the next due date is xx/xx/2025. The current P&I is $14,948.18, and the interest rate is 8.875%. The UPB is $1,878,750.00.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 58310618 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $337461.19 | 6.875% | $2145.26 | $2611.49 | 2025-02-04 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,611.49 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,145.26 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $337,461.19. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2611.49 | $0.00 | $2611.49 | $2611.49 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2611.49000<br> $0.00000<br> $2611.49000<br> $2611.49000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $326.44 | $7834.47 |
| 46323688 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $293674.09 | 5.880% | $1845.60 | $2611.40 | 2024-12-31 | 2025-12-01 | 0 | According to the payment history as of xx/xx/2024, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,611.40, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,845.60 with an interest rate of 5.880%. The current UPB reflected as per the payment history is $293,674.09.<br> As per the comment dated xx/xx/2024, the payments made in the month of Nov-2024 are BWR payments. | $2500.00 | $2500.00 | $2340.70 | $2659.30 | $0.00 | $0.00 | $0.00 | $7315.10 | $0.00 | $6274.94 | $5042.34 | $2521.71 | $2521.71 | $2521.71 | $2521.71 | $2521.71 | $8761.17 | $26638.83 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000010210000000000 | 000000000012010000000000 | 2024-11-22 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2500.00000<br> $2500.00000<br> $2340.70000<br> $2659.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7315.10000<br> $0.00000<br> $6274.94000<br> $5042.34000<br> $2521.71000<br> $2521.71000<br> $2521.71000<br> $2521.71000<br> $2521.71000<br> $8761.17000<br> $26638.83000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 122.300% | 0.000% | 0.000% | 145.200% | $3193.37 | $76640.93 |
| 73270125 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $187962.74 | 4.000% | $997.80 | $1222.89 | 2025-01-30 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,222.89 which was applied to the due date of xx/xx/2025. The current P&I is $997.80 with an interest rate of 4.00%. The current UPB reflected as per the payment history is $187,962.74. | $1201.24 | $1201.24 | $2402.48 | $1201.24 | $0.00 | $2402.48 | $0.00 | $1201.24 | $2421.02 | $1219.78 | $0.00 | $1219.78 | $997.80 | $1216.63 | $0.00 | $2433.26 | $1215.15 | $1215.15 | $1215.15 | $2438.04 | $0.00 | $0.00 | $0.00 | $0.00 | 000000100000000000000000 | 000000000000000001000000 | 2025-01-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1201.24000<br> $1201.24000<br> $2402.48000<br> $1201.24000<br> $0.00000<br> $2402.48000<br> $0.00000<br> $1201.24000<br> $2421.02000<br> $1219.78000<br> $0.00000<br> $1219.78000<br> $997.80000<br> $1216.63000<br> $0.00000<br> $2433.26000<br> $1215.15000<br> $1215.15000<br> $1215.15000<br> $2438.04000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 85.900% | 0.000% | 49.800% | 73.100% | $1050.07 | $25201.68 |
| 68624698 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Minnesota | xx | $405444.82 | 2.990% | $1840.06 | $2821.67 | 2025-01-15 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,821.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,840.06 with an interest rate of 2.990%. The current UPB reflected as per the payment history is $405,444.82. | $2843.57 | $2843.57 | $3203.43 | $3203.43 | $3203.43 | $3203.43 | $2999.50 | $2999.50 | $2999.50 | $2999.50 | $2999.50 | $2999.50 | $2999.50 | $2999.50 | $2821.67 | $2821.67 | $2821.67 | $2821.67 | $2821.67 | $2821.67 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-15 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2843.57000<br> $2843.57000<br> $3203.43000<br> $3203.43000<br> $3203.43000<br> $3203.43000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2999.50000<br> $2821.67000<br> $2821.67000<br> $2821.67000<br> $2821.67000<br> $2821.67000<br> $2821.67000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.800% | 0.000% | 33.300% | 67.700% | $2476.12 | $59426.88 |
| 28352723 | xx | xx | XX | xx | xx |  |  | xx | xx | Nevada | xx | $297650.77 | 5.375% | $1674.32 | $1838.50 | 2025-01-31 | 2025-03-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,838.50, which was applied on xx/xx/2025. Current P&I is $1,674.32, and the interest rate is 5.375%. The current UPB is $297,650.77. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1838.50 | $0.00 | $1838.50 | $3677.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1838.50000<br> $0.00000<br> $1838.50000<br> $3677.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $306.42 | $7354.00 |
| 7913331 | xx | xx | XX | xx | xx |  |  | xx | xx | Wyoming | xx | $601600.00 |  |  |  | 2024-12-31 | 2025-02-01 | 0 | The loan was originated on xx/xx/2024 and the first payment date was xx/xx/2025. As per the review of tape data as of xx/xx/2024, the borrower is current with the loan and the next due date is xx/xx/2025. The UPB is $601,600.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 54708257 | xx | xx | XX | xx | xx |  |  | xx | xx | Utah | xx | $411259.47 | 5.740% | $2407.54 | $2695.41 | 2025-01-31 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,695.41, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,407.54 with an interest rate of 5.740%. The current UPB reflected as per the payment history is $411,259.47. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2668.16 | $0.00 | $5363.57 | $2695.41 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2668.16000<br> $0.00000<br> $5363.57000<br> $2695.41000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.600% | 0.000% | 49.800% | 33.200% | $446.96 | $10727.14 |
| 80566423 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $157800.73 | 6.875% | $1048.46 | $1425.73 | 2025-01-23 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,425.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,048.46 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $157,800.73. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1431.19 | $1500.00 | $1500.00 | $0.00 | $2984.00 | $0.00 | $3000.00 | $1425.73 | $0.00 | $2851.46 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-01-23 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1431.19000<br> $1500.00000<br> $1500.00000<br> $0.00000<br> $2984.00000<br> $0.00000<br> $3000.00000<br> $1425.73000<br> $0.00000<br> $2851.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.900% | 0.000% | 33.300% | 68.700% | $612.18 | $14692.38 |
| 17175362 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $285294.68 | 5.625% | $1644.07 | $2071.82 | 2025-02-05 | 2025-02-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,071.82 which was applied to the due date of xx/xx/2025. The unpaid principal balance is $285,294.68. The current P&I is $1,644.07 and the interest rate is 5.625%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2071.82 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-08 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2071.82000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $86.33 | $2071.82 |
| 75794967 | xx | xx | XX | xx | xx |  |  | xx | xx | South Carolina | xx | $161372.65 | 7.625% | $1164.18 | $1691.43 | 2025-02-05 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,691.43 which was applied for the due date of xx/xx/2025. The current P&I is $1,164.18 with an interest rate of 7.625%. The current UPB reflected as per the payment history is $161,372.65‬. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2691.43 | $1891.43 | $1891.43 | $1891.43 | $1891.43 | $1891.43 | $1891.43 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2691.43000<br> $1891.43000<br> $1891.43000<br> $1891.43000<br> $1891.43000<br> $1891.43000<br> $1891.43000<br> $0.00000<br> $0.00000<br> $0.00000 | 34.600% | 0.000% | 55.900% | 69.200% | $585.00 | $14040.01 |
| 13604611 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $316022.04 | 7.375% | $2196.35 | $2708.19 | 2025-02-05 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,708.19, which was applied for the due date of xx/xx/2025. The current P&I is $2,196.35 with an interest rate of 7.375%. The current UPB reflected as per the payment history is $316,022.04. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2708.19 | $2708.19 | $2708.19 | $2708.19 | $2708.19 | $2708.19 | $2708.19 | $2708.19 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-01-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $2708.19000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 66.700% | $902.73 | $21665.52 |
| 53602025 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $230641.98 | 6.490% | $2034.93 | $2570.27 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,570.27 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,034.93 with an interest rate of 6.490%. The current UPB reflected as per the payment history is $230,641.98. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2570.27 | $0.00 | $2570.27 | $2570.27 | $2570.27 | $0.00 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-01-09 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2570.27000<br> $0.00000<br> $2570.27000<br> $2570.27000<br> $2570.27000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 33.300% | 33.300% | $428.38 | $10281.08 |
| 32171506 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $186819.55 | 6.625% | $1203.78 | $1763.66 | 2025-03-10 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. We are unable to determine the last payment received date. The current P&I is $1,203.78 with an interest rate of 6.625%. The current UPB reflected as per the payment history is $186,819.55. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1763.66 | $1763.66 | $1763.66 | $1763.66 | $1763.66 | $0.00 | $0.00 | $0.00 | $0.00 | MM00000 | 00000MM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1763.66000<br> $1763.66000<br> $1763.66000<br> $1763.66000<br> $1763.66000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 33.300% | 41.700% | $367.43 | $8818.30 |
| 62649904 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $239311.86 | 6.875% | $1576.10 | $2190.27 | 2025-03-10 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,190.27 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,576.10, and the interest rate is 6.875%. The current UPB is $239,311.86. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2190.27 | $2190.27 | $2190.27 | $0.00 | $0.00 | 000 | 000 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2190.27000<br> $2190.27000<br> $2190.27000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $273.78 | $6570.81 |
| 86261172 | xx | xx | XX | xx | xx |  |  | xx | xx | Missouri | xx | $287803.20 | 6.000% | $1727.25 | $2291.71 | 2025-02-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,291.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,727.25 with an interest rate of 6.000%. The current UPB is $287,803.20. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2291.71 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2291.71000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $95.49 | $2291.71 |
| 53967757 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $224162.09 | 6.500% | $1420.73 | $1732.64 | 2025-02-04 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,732.64, which applied to the due date of xx/xx/2025. The current P&I is $1,420.73 with an interest rate of 6.50%. The current UPB reflected as per the payment history is $224,162.09. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1732.64 | $1732.64 | $1732.64 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1732.64000<br> $1732.64000<br> $1732.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $216.58 | $5197.92 |
| 32956785 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Minnesota | xx | $346316.21 | 6.250% | $2138.45 | $2806.72 | 2025-02-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,806.72 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $2,138.45 with an interest rate of 6.250%. The current UPB reflected as per the payment history $346,316.21. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5613.44 | $2806.72 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5613.44000<br> $2806.72000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $350.84 | $8420.16 |
| 40690912 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Georgia | xx | $58972.48 | 9.750% | $506.90 | $613.80 | 2025-02-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $613.80, which was applied for the due date of xx/xx/2025. The current monthly P&I is $506.90 with an interest rate of 9.75%. The current UPB reflected as per the payment history is $58,972.48. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $613.80 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $613.80000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $25.58 | $613.80 |
| 46470277 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Georgia | xx | $387384.66 | 6.990% | $2592.06 | $3052.56 | 2025-01-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,052.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,592.06 with an interest rate of 6.99%. The current UPB is $387,384.66. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3052.56 | $3052.56 | $3052.56 | $3052.56 | $3052.56 | $3052.56 | $3052.56 | $3052.56 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $3052.56000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 66.700% | $1017.52 | $24420.48 |
| 17313957 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $299609.80 | 6.125% | $1829.44 | $2334.82 | 2025-02-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,334.82, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,829.44 with an interest rate of 6.125%. The current UPB is $299,609.80. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2334.82 | $2334.82 | $0.00 | $4669.64 | $0.00 | $2334.82 | $0.00 | $0.00 | $0.00 | 00000 | 00000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2334.82000<br> $2334.82000<br> $0.00000<br> $4669.64000<br> $0.00000<br> $2334.82000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.800% | 0.000% | 50.000% | 41.700% | $486.42 | $11674.10 |
| 31987780 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $371511.28 | 7.500% | $2617.64 | $3346.76 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,346.76 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,617.64 with an interest rate of 7.500%. The current UPB reflected as per the payment history is $371,511.28. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5644.76 | $5644.76 | $5644.76 | $302394.76 | $5442.53 | $3346.76 | $3346.76 | $3346.76 | $3346.76 | $3346.76 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-01-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5644.76000<br> $5644.76000<br> $5644.76000<br> $302394.76000<br> $5442.53000<br> $3346.76000<br> $3346.76000<br> $3346.76000<br> $3346.76000<br> $3346.76000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 425.200% | 0.000% | 33.300% | 822.200% | $14229.39 | $341505.37 |
| 79310651 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $724119.11 | 6.875% | $4804.81 | $7145.42 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,145.42, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,804.81 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $724,119.11. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7145.42 | $7345.42 | $7345.42 | $7145.42 | $7245.42 | $7445.42 | $7445.42 | $7345.42 | $7445.42 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-01-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7145.42000<br> $7345.42000<br> $7345.42000<br> $7145.42000<br> $7245.42000<br> $7445.42000<br> $7445.42000<br> $7345.42000<br> $7445.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.400% | 0.000% | 34.500% | 68.500% | $2746.20 | $65908.78 |
| 77584712 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $207890.65 | 7.500% | $1462.48 | $1952.46 | 2025-01-31 | 2025-03-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,952.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,462.48 with an interest rate of 7.50%.The current UPB is $207,890.65. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3904.92 | $1952.46 | $1952.46 | $1952.46 | $1952.46 | $1952.46 | $1952.46 | $0.00 | $0.00 | $0.00 | $0.00 | 00000000 | 00000000 | 2025-01-24 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3904.92000<br> $1952.46000<br> $1952.46000<br> $1952.46000<br> $1952.46000<br> $1952.46000<br> $1952.46000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 33.300% | 0.000% | 33.300% | 66.700% | $650.82 | $15619.68 |
| 42910196 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $647082.59 | 2.750% | $5578.27 | $5578.27 | 2025-02-19 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025.The last payment was received on xx/xx/2025, in the amount of $5,578.27, which was applied for the due date of xx/xx/2025. The current P&I is $5,578.27 with an interest rate of 2.750%. The current UPB is $647,082.59. | $0.00 | $11156.54 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $11156.54 | $0.00 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $5578.27 | $0.00 | $0.00 | $0.00 | 000000000000000000001000 | 000100000000000000000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $11156.54000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $11156.54000<br> $0.00000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $5578.27000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.500% | 0.000% | 50.000% | 75.000% | $4880.99 | $117143.67 |
| 22815598 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $377654.81 | 3.375% | $1781.65 | $2561.74 | 2025-02-19 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,561.74 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,781.65 with an interest rate of 3.375%. The current UPB reflected as per the payment history is $377,654.81. | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $2561.74 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $2561.74000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.500% | 0.000% | 50.000% | 75.000% | $2241.52 | $53796.54 |
| 70312607 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $534008.92 | 7.657% | $3850.31 | $5368.61 | 2025-02-19 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,368.61, which was applied for the due date of xx/xx/2025. The current monthly P&I is $3,850.31 with an interest rate of 7.657%. The current UPB as per the tape data is $534,008.92. | $0.00 | $10371.54 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $20743.08 | $20743.08 | $5368.61 | $5368.61 | $5368.61 | $0.00 | $5368.61 | $5368.61 | $10737.22 | $5368.61 | $5368.61 | $5368.61 | $0.00 | $0.00 | $0.00 | 000011100003444321000 | 000123444300001110000 | 2025-02-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $10371.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $20743.08000<br> $20743.08000<br> $5368.61000<br> $5368.61000<br> $5368.61000<br> $0.00000<br> $5368.61000<br> $5368.61000<br> $10737.22000<br> $5368.61000<br> $5368.61000<br> $5368.61000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.900% | 0.000% | 50.000% | 75.000% | $4397.66 | $105543.80 |
| 21540138 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $319217.67 | 6.630% | $2049.00 | $2512.91 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $2,512.91, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,049.00 with an interest rate of 6.630%. The current UPB reflected as per the payment history is $319,217.67. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3012.91 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2024-12-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3012.91000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 5.000% | 0.000% | 20.000% | 10.000% | $125.54 | $3012.91 |
| 39908572 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $252354.08 | 5.990% | $2150.46 | $2721.24 | 2025-01-31 | 2025-02-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,721.24 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,150.46 with an interest rate of 5.990%. The current UPB is $252,354.08. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2721.24 | $2721.24 | $2721.24 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2721.24000<br> $2721.24000<br> $2721.24000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $340.16 | $8163.72 |
| 51303575 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $310382.74 | 7.125% | $2133.38 | $2891.28 | 2025-01-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,891.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,133.38 with an interest rate of 7.125%. The current UPB is $310,382.74. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2891.28 | $8337.49 | $2891.28 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2891.28000<br> $8337.49000<br> $2891.28000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 20.300% | 0.000% | 64.700% | 40.700% | $588.34 | $14120.05 |
| 31425613 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $868256.67 | 3.750% | $4316.24 | $4576.90 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,576.9, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,316.24 with an interest rate of 3.750%. The current UPB reflected as per the payment history is $868,256.67. | $5058.14 | $5058.14 | $4842.33 | $4842.33 | $4842.33 | $5058.14 | $4842.33 | $4623.75 | $4623.75 | $4839.56 | $4839.56 | $4839.56 | $4839.56 | $4839.56 | $4839.56 | $4839.56 | $4623.75 | $4623.75 | $4576.90 | $4576.90 | $0.00 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-01-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5058.14000<br> $5058.14000<br> $4842.33000<br> $4842.33000<br> $4842.33000<br> $5058.14000<br> $4842.33000<br> $4623.75000<br> $4623.75000<br> $4839.56000<br> $4839.56000<br> $4839.56000<br> $4839.56000<br> $4839.56000<br> $4839.56000<br> $4839.56000<br> $4623.75000<br> $4623.75000<br> $4576.90000<br> $4576.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.500% | 0.000% | 33.300% | 68.800% | $4002.89 | $96069.46 |
| 44732671 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $147007.89 | 7.000% | $979.66 | $1333.67 | 2025-01-31 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2024 in the amount of $1,333.67 which was applied for the due date of xx/xx/2025. The current monthly P&I is $979.66 with an interest rate of 7.00%. The current UPB reflected as per the payment history is $147,007.89. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2024-12-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 22856104 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Maryland | xx | $763755.05 | 6.125% | $4654.30 | $4654.30 | 2025-01-31 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,654.30, which was applied to the due date of xx/xx/2025. The current P&I is $4,654.30 with an interest rate of 6.125%. The current UPB reflected as per the payment history is $763,755.05. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4654.30 | $4654.30 | $4654.30 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4654.30000<br> $4654.30000<br> $4654.30000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $581.79 | $13962.90 |
| 38848892 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $799820.04 | 6.875% | $5304.71 | $5820.82 | 2025-02-10 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,820.82, which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,304.71 with an interest rate of 6.875%. The current UPB reflected as per the payment history is $799,820.04. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $5820.82 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-02-06 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $5820.82000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $2667.88 | $64029.02 |
| 67869108 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $470682.69 | 8.375% | $3607.93 | $4788.42 | 2025-03-12 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,788.42 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,607.93 with an interest rate of 8.375%. The current UPB reflected as per the payment history is $470,682.69. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4675.45 | $0.00 | $4675.45 | $0.00 | $18701.80 | $0.00 | $4675.45 | $4675.45 | $4675.45 | $4675.45 | $4675.45 | $0.00 | $9463.87 | $0.00 | $0.00 | 0100000002110 | 0112000000010 | 2025-03-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4675.45000<br> $0.00000<br> $4675.45000<br> $0.00000<br> $18701.80000<br> $0.00000<br> $4675.45000<br> $4675.45000<br> $4675.45000<br> $4675.45000<br> $4675.45000<br> $0.00000<br> $9463.87000<br> $0.00000<br> $0.00000 | 53.000% | 65.900% | 65.500% | 89.700% | $2537.24 | $60893.82 |
| 15285089 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $118637.89 | 6.750% | $778.32 | $1103.19 | 2025-03-11 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,103.19 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $778.32, and the interest rate is 6.750%. The current UPB is $118,637.89. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1286.81 | $1200.00 | $1200.00 | $0.00 | $1103.19 | $2229.73 | $1200.00 | $0.00 | $0.00 | 0011000M | M0001100 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1286.81000<br> $1200.00000<br> $1200.00000<br> $0.00000<br> $1103.19000<br> $2229.73000<br> $1200.00000<br> $0.00000<br> $0.00000 | 31.000% | 36.300% | 68.500% | 62.100% | $342.49 | $8219.73 |
| 22761917 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $157791.60 | 6.630% | $1024.20 | $1508.51 | 2025-03-11 | 2025-04-01 | 0 | As per the tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received in the amount of $1,508.51 on xx/xx/2025 which was applied on xx/xx/2025. The current P&I is $1,024.20, and the interest rate is 6.63%. The current UPB is $157,791.60. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $1558.51 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $1558.51000<br> $0.00000<br> $0.00000 | 47.400% | 34.400% | 68.900% | 86.100% | $714.32 | $17143.61 |
| 97281081 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $667985.19 | 5.990% | $4012.68 | $4012.68 | 2025-02-10 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,012.68, which was applied for the due date of xx/xx/2025. The current monthly P&I is $4,012.68 with an interest rate of 5.99%. The current UPB reflected as per the payment history is $667,985.19. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4012.68 | $8025.36 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4012.68000<br> $8025.36000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $501.59 | $12038.04 |
| 87485802 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $336888.14 | 6.500% | $2133.23 | $2797.78 | 2025-02-14 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,797.78 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,133.23 with an interest rate of 6.500%. The current UPB reflected as per the payment history is $336,888.14. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2797.78 | $2797.78 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2797.78000<br> $2797.78000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $233.15 | $5595.56 |
| 90081497 | xx | xx | XX | xx | xx |  |  | xx | xx | Louisiana | xx | $241306.88 | 7.125% | $1627.03 | $1757.78 | 2025-02-14 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,757.78 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,627.03 with an interest rate of 7.125%. The current UPB reflected as per the payment history is $241,306.88. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1757.78 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1757.78000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $73.24 | $1757.78 |
| 51332118 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Maryland | xx | $369750.00 | 6.875% | $2428.99 |  | 2025-01-31 | 2025-03-01 | 0 | As per the review of seller's tape data as of xx/xx/2025, the loan was originated on xx/xx/2025 and the first payment date is xx/xx/2025. As per tape next due date is xx/xx/2025, the current P&I is $2,428.99 and interest rate is 6.875%. The UPB is $369,750.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 95932408 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Idaho | xx | $402000.00 | 10.000% |  |  | 2025-01-31 | 2025-03-01 | 0 | The loan was originated on xx/xx/2025 and first payment date is xx/xx/2025. According to the tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current monthly interest rate is 10.000%. The current UPB is $402,000.00. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 14732409 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $924368.57 | 7.990% | $6790.04 | $8324.00 | 2025-02-20 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,324.00 which was applied for the due date of xx/xx/2025.The current monthly P&I is $6,790.04 with an interest rate of 7.990%. The current UPB is $924,368.57. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8323.66 | $8324.00 | $8324.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8323.66000<br> $8324.00000<br> $8324.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $1040.49 | $24971.66 |
| 96440105 | xx | xx | XX | xx | xx |  |  | xx | xx | Maryland | xx | $310745.90 | 5.990% | $1868.59 | $2374.02 | 2025-03-24 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment in the amount of $2,374.02, was applied to the due date of xx/xx/2025. Unable to determine the last payment received date. The current P&I is $1,868.59 with an interest rate of 5.990%. The current UPB reflected as per the payment history is $310,745.90. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2374.02 | $2374.02 | $2374.02 | $2374.02 | $0.00 | $0.00 | 0000 | 0000 |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2374.02000<br> $2374.02000<br> $2374.02000<br> $2374.02000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $395.67 | $9496.08 |
| 79860356 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $68067.10 | 6.250% | $688.24 | $1200.00 | 2025-02-08 | 2025-02-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,200.00, which was applied to the due date of xx/xx/2025. The current P&I is $688.24 with an interest rate of 6.250%. The current UPB reflected as per the payment history is $68,067.10. | $0.00 | $1550.00 | $900.00 | $600.00 | $1000.00 | $300.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3650.00 | $1200.00 | $0.00 | $1200.00 | $1200.00 | $2275.00 | $0.00 | $0.00 | $0.00 | $0.00 | 011100444444432221121221 | 122121122234444444001110 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $1550.00000<br> $900.00000<br> $600.00000<br> $1000.00000<br> $300.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3650.00000<br> $1200.00000<br> $0.00000<br> $1200.00000<br> $1200.00000<br> $2275.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 48.200% | 0.000% | 48.300% | 66.100% | $578.13 | $13875.00 |
| 50465257 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $49917.46 | 9.000% | $402.31 | $402.31 | 2025-02-14 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $402.31 and was applied to the due date of xx/xx/2025. The monthly P&I is $402.31, and the interest rate is 9.00%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $402.31 | $402.31 | $402.31 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $402.31000<br> $402.31000<br> $402.31000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $50.29 | $1206.93 |
| 79356502 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $210698.49 | 3.250% | $1012.94 | $1386.28 | 2025-02-14 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,386.28, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is $1,012.94, and the interest rate is 3.250%.<br>| $1502.44 | $1502.44 | $1502.44 | $2253.66 | $1502.44 | $1502.44 | $1502.44 | $1502.44 | $1386.28 | $678.14 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $1386.28 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1502.44000<br> $1502.44000<br> $1502.44000<br> $2253.66000<br> $1502.44000<br> $1502.44000<br> $1502.44000<br> $1502.44000<br> $1386.28000<br> $678.14000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $1386.28000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.400% | 0.000% | 50.000% | 75.000% | $1253.51 | $30084.24 |
| 10910037 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $371478.81 | 5.375% | $2374.28 | $4859.27 | 2025-02-18 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,859.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,374.28 with an interest rate of 5.375%. The current UPB is xx. | $3909.41 | $3909.41 | $3909.41 | $3909.41 | $10133.74 | $10133.74 | $10133.74 | $10133.74 | $10133.74 | $3881.32 | $3881.32 | $3881.32 | $3881.32 | $3881.32 | $3881.32 | $4859.27 | $4859.27 | $4859.27 | $4859.27 | $4859.27 | $4859.27 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3909.41000<br> $3909.41000<br> $3909.41000<br> $3909.41000<br> $10133.74000<br> $10133.74000<br> $10133.74000<br> $10133.74000<br> $10133.74000<br> $3881.32000<br> $3881.32000<br> $3881.32000<br> $3881.32000<br> $3881.32000<br> $3881.32000<br> $4859.27000<br> $4859.27000<br> $4859.27000<br> $4859.27000<br> $4859.27000<br> $4859.27000<br> $0.00000<br> $0.00000<br> $0.00000 | 101.800% | 0.000% | 50.000% | 70.000% | $4947.91 | $118749.88 |
| 93223845 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $401302.02 | 5.500% | $2520.98 | $2520.98 | 2025-02-18 | 2024-10-01 | 4 | As per the review of payment history as of xx/xx/2025, the borrower is 4 months delinquent with the loan, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2024 in the amount of $2,520.98 (PITI), which was applied for the due date of xx/xx/2024. The current P&I is $2,520.98 with an interest rate of 5.50%. The current UPB is xx. | $0.00 | $5041.96 | $0.00 | $0.00 | $5041.96 | $0.00 | $0.00 | $0.00 | $12604.90 | $2520.98 | $2520.98 | $0.00 | $0.00 | $0.00 | $0.00 | $12604.90 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 432104321000432121010100 | 001010121234000123401234 | 2024-09-30 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $5041.96000<br> $0.00000<br> $0.00000<br> $5041.96000<br> $0.00000<br> $0.00000<br> $0.00000<br> $12604.90000<br> $2520.98000<br> $2520.98000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $12604.90000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 66.700% | 0.000% | 0.000% | 41.700% | $1680.65 | $40335.68 |
| 26653643 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $1113984.14 | 4.874% | $6243.94 | $7468.46 | 2025-02-19 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of xx which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,243.94 with an interest rate of 4.874%. The current UPB reflected as per the payment history is xx. | $7882.27 | $7882.27 | $0.00 | $15614.54 | $7882.27 | $7882.27 | $7732.27 | $7882.27 | $7882.27 | $7882.27 | $7882.27 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $7618.46 | $0.00 | $0.00 | $0.00 | 000000000000000000100000 | 000001000000000000000000 | 2025-02-08 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $7882.27000<br> $7882.27000<br> $0.00000<br> $15614.54000<br> $7882.27000<br> $7882.27000<br> $7732.27000<br> $7882.27000<br> $7882.27000<br> $7882.27000<br> $7882.27000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $7618.46000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.700% | 0.000% | 51.000% | 76.500% | $6774.57 | $162589.57 |
| 19678522 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $318610.98 | 9.875% | $2774.37 | $3500.62 | 2025-02-19 | 2024-11-01 | 3 | According to payment history as of xx/xx/2025, the borrower has been delinquent with the loan for three months, and the next due date is xx/xx/2024. The last payment was received on xx/xx/2025 in the amount of $3,500.62, which was applied to the due date of xx/xx/2024. The current P&I is $2,774.37 with an interest rate of 9.875%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3504.22 | $3500.62 | $3639.33 | $3639.33 | $3639.33 | $0.00 | $0.00 | $0.00 | $3500.62 | $0.00 | $0.00 | $0.00 | 4432111111 | 1111112344 | 2025-02-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3504.22000<br> $3500.62000<br> $3639.33000<br> $3639.33000<br> $3639.33000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3500.62000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.500% | 0.000% | 16.700% | 51.000% | $892.64 | $21423.45 |
| 39542091 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $737878.67 | 4.000% | $3929.13 | $5686.29 | 2025-02-19 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,686.29, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx The current P&I is $3,929.13, and the interest rate is 4.000%. | $5433.62 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5951.94 | $5686.29 | $5686.29 | $5686.29 | $5686.29 | $5686.29 | $5686.29 | $5686.29 | $5686.29 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5433.62000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5951.94000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $5686.29000<br> $0.00000<br> $0.00000<br> $0.00000 | 89.700% | 0.000% | 50.000% | 75.400% | $5097.80 | $122347.22 |
| 75938970 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $189318.46 | 6.875% | $1262.62 | $1731.31 | 2025-02-08 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,731.31, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,262.62 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $1698.71 | $1698.71 | $1698.71 | $1698.71 | $3397.42 | $0.00 | $1698.71 | $1698.71 | $1698.71 | $1698.71 | $1698.71 | $1698.71 | $1731.31 | $1731.31 | $1731.31 | $1731.31 | $1731.31 | $0.00 | $0.00 | $0.00 | 00000000000000000 | 00000000000000000 | 2025-02-08 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $3397.42000<br> $0.00000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $1698.71000<br> $1731.31000<br> $1731.31000<br> $1731.31000<br> $1731.31000<br> $1731.31000<br> $0.00000<br> $0.00000<br> $0.00000 | 69.900% | 0.000% | 50.000% | 74.400% | $1210.04 | $29041.07 |
| 118806 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $318364.37 | 7.875% | $2314.42 | $2314.42 | 2025-01-31 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,314.42 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,314.42 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2400.00 | $0.00 | $4714.42 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2400.00000<br> $0.00000<br> $4714.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.800% | 0.000% | 33.900% | 25.600% | $296.43 | $7114.42 |
| 24571519 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $73966.94 | 8.750% | $662.78 | $662.78 | 2025-02-01 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $662.78 which was applied for the due date of xx/xx/2025. The current monthly P&I is $662.78 with an interest rate of 8.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $36.54 | $0.00 | $662.78 | $749.78 | $699.78 | $662.78 | $1325.56 | $0.00 | $699.78 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $36.54000<br> $0.00000<br> $662.78000<br> $749.78000<br> $699.78000<br> $662.78000<br> $1325.56000<br> $0.00000<br> $699.78000<br> $0.00000<br> $0.00000<br> $0.00000 | 30.400% | 0.000% | 50.900% | 60.800% | $201.54 | $4837.00 |
| 65468823 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $74774.27 | 9.750% | $645.22 | $645.22 | 2025-02-03 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $645.22 which was applied for the due date of xx/xx/2025. The current monthly P&I is $645.22 with an interest rate of 9.750%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $645.22 | $0.00 | $645.22 | $645.22 | $645.22 | $645.22 | $645.22 | $645.22 | $645.22 | $645.22 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $645.22000<br> $0.00000<br> $645.22000<br> $645.22000<br> $645.22000<br> $645.22000<br> $645.22000<br> $645.22000<br> $645.22000<br> $645.22000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 50.000% | 66.700% | $241.96 | $5806.98 |
| 27308031 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $268436.37 | 3.250% | $1288.21 | $1926.01 | 2025-02-10 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,926.01, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,288.21 with an interest rate of 3.250%. The current UPB reflected as per the payment history is xx. | $2045.03 | $2045.03 | $2045.03 | $2045.03 | $2045.03 | $2045.03 | $2045.03 | $3852.02 | $0.00 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $1926.01 | $11926.01 | $1926.01 | $1926.01 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2045.03000<br> $2045.03000<br> $2045.03000<br> $2045.03000<br> $2045.03000<br> $2045.03000<br> $2045.03000<br> $3852.02000<br> $0.00000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $1926.01000<br> $11926.01000<br> $1926.01000<br> $1926.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 110.900% | 0.000% | 136.500% | 118.300% | $2136.64 | $51279.35 |
| 1058313 | xx | xx | XX | xx | xx |  |  | xx | xx | New York | xx | $496533.49 | 2.750% | $2191.23 | $3441.47 | 2025-02-11 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,441.47, which was applied for the due date of xx/xx/2025. The current P&I is $2,191.23 with an interest rate of 2.75%. The current UPB reflected as per the payment history is xx.<br>| $3368.49 | $3368.49 | $3368.49 | $3368.49 | $3368.49 | $3368.49 | $3368.49 | $3404.57 | $3404.57 | $3404.57 | $3404.57 | $3404.57 | $3471.83 | $3441.47 | $3441.47 | $3441.47 | $3441.47 | $3441.47 | $3441.47 | $3441.47 | $3441.47 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-11 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3368.49000<br> $3368.49000<br> $3368.49000<br> $3368.49000<br> $3368.49000<br> $3368.49000<br> $3368.49000<br> $3404.57000<br> $3404.57000<br> $3404.57000<br> $3404.57000<br> $3404.57000<br> $3471.83000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $3441.47000<br> $0.00000<br> $0.00000<br> $0.00000 | 86.700% | 0.000% | 50.000% | 75.100% | $2983.58 | $71605.87 |
| 62453417 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $49688.30 | 8.500% | $384.46 | $384.46 | 2025-02-18 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $384.46 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $384.46 with an interest rate of 8.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $768.92 | $384.46 | $768.92 | $0.00 | $384.46 | $384.46 | $384.46 | $768.92 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000001 | 1000000000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $768.92000<br> $384.46000<br> $768.92000<br> $0.00000<br> $384.46000<br> $384.46000<br> $384.46000<br> $768.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 41.700% | 0.000% | 50.000% | 83.300% | $160.19 | $3844.60 |
| 98136908 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $52276.99 | 8.375% | $461.16 | $461.16 | 2025-03-01 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $461.16, which was applied for the due date of xx/xx/2025. The current P&I is $461.16 with an interest rate of 8.375%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $461.16 | $461.16 | $461.16 | $461.16 | $461.16 | $667.53 | $461.16 | $461.16 | $461.16 | $461.16 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $461.16000<br> $461.16000<br> $461.16000<br> $461.16000<br> $461.16000<br> $667.53000<br> $461.16000<br> $461.16000<br> $461.16000<br> $461.16000<br> $0.00000<br> $0.00000 | 43.500% | 33.300% | 66.700% | 87.100% | $200.75 | $4817.97 |
| 28738424 | xx | xx | XX | xx | xx |  |  | xx | xx | Virginia | xx | $119013.02 | 7.750% | $867.45 | $1064.51 | 2025-02-18 | 2025-03-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,064.51, which was applied to the due date of xx/xx/2025. The current P&I is $867.45 with an interest rate of 7.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $1044.88 | $3023.28 | $535.00 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-01-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $1044.88000<br> $3023.28000<br> $535.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.900% | 0.000% | 72.100% | 85.100% | $627.17 | $15051.96 |
| 69222209 | xx | xx | XX | xx | xx |  |  | xx | xx | New Jersey | xx | $197594.20 | 6.500% | $1260.34 | $1944.49 | 2025-02-18 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,944.49 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $1,260.34 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $140.87 | $0.00 | $3888.98 | $1944.49 | $1944.49 | $1944.49 | $1944.49 | $1944.49 | $1944.49 | $1944.49 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-02-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $140.87000<br> $0.00000<br> $3888.98000<br> $1944.49000<br> $1944.49000<br> $1944.49000<br> $1944.49000<br> $1944.49000<br> $1944.49000<br> $1944.49000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.800% | 0.000% | 50.000% | 75.000% | $735.05 | $17641.28 |
| 34246642 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $243417.07 | 3.875% | $1223.09 |  | 2025-01-31 | 2025-01-01 | 0 | As per the review of tape data of payment history as of xx/xx/2025, the borrower is currently delinquent with the loan for 1 month and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $1,223.09, and the interest rate is 3.875%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 66438511 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $132061.53 | 6.750% | $868.21 | $1419.79 | 2025-02-06 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,419.79 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $868.21 with an interest rate of 6.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1412.59 | $1419.79 | $1419.79 | $1419.79 | $1419.79 | $0.00 | $0.00 | $0.00 | 000000000000000 | 000000000000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1412.59000<br> $1419.79000<br> $1419.79000<br> $1419.79000<br> $1419.79000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.300% | 0.000% | 50.000% | 74.800% | $884.07 | $21217.65 |
| 36850625 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $161906.30 | 5.990% | $1011.70 | $1660.65 | 2025-02-01 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,660.65 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,011.70 with an interest rate of 5.990%. The current UPB reflected as per the payment history is xx. | $2943.76 | $1471.88 | $0.00 | $1421.88 | $3758.88 | $0.00 | $1879.44 | $1879.44 | $1979.44 | $1734.16 | $1734.16 | $1734.15 | $1634.15 | $1760.66 | $1760.65 | $1660.65 | $1660.65 | $1660.65 | $1760.65 | $1760.65 | $1760.65 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2943.76000<br> $1471.88000<br> $0.00000<br> $1421.88000<br> $3758.88000<br> $0.00000<br> $1879.44000<br> $1879.44000<br> $1979.44000<br> $1734.16000<br> $1734.16000<br> $1734.15000<br> $1634.15000<br> $1760.66000<br> $1760.65000<br> $1660.65000<br> $1660.65000<br> $1660.65000<br> $1760.65000<br> $1760.65000<br> $1760.65000<br> $0.00000<br> $0.00000<br> $0.00000 | 90.200% | 0.000% | 53.000% | 77.400% | $1498.19 | $35956.55 |
| 56083607 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $73561.36 | 9.250% | $608.78 | $608.78 | 2025-02-01 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $608.78, which was applied for the due date of xx/xx/2025. The current P&I is $608.78 with an interest rate of 9.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $608.78 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $608.78000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 75.000% | $279.02 | $6696.58 |
| 6275428 | xx | xx | XX | xx | xx |  |  | xx | xx | Alaska | xx | $102217.40 | 10.250% | $940.01 | $940.01 | 2025-02-03 | 2025-04-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $940.01, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $940.01, and the interest rate is 10.250%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2331.13 | $0.00 | $1200.00 | $1100.00 | $1100.00 | $1100.00 | $2200.00 | $1100.00 | $0.00 | $1100.00 | $1000.00 | $1000.00 | $940.01 | $0.00 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2331.13000<br> $0.00000<br> $1200.00000<br> $1100.00000<br> $1100.00000<br> $1100.00000<br> $2200.00000<br> $1100.00000<br> $0.00000<br> $1100.00000<br> $1000.00000<br> $1000.00000<br> $940.01000<br> $0.00000<br> $0.00000<br> $0.00000 | 62.800% | 0.000% | 52.100% | 84.600% | $590.46 | $14171.14 |
| 59681442 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Oregon | xx | $94278.46 | 11.000% | $900.15 | $900.15 | 2025-01-31 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $900.15 which was applied for the due date of xx/xx/2025. The current monthly P&I is $900.15 with an interest rate of 11.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $900.15 | $900.15 | $900.15 | $900.15 | $0.00 | $1800.30 | $900.15 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $900.15000<br> $900.15000<br> $900.15000<br> $900.15000<br> $0.00000<br> $1800.30000<br> $900.15000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $262.54 | $6301.05 |
| 61617647 | xx | xx | XX | xx | xx |  |  | xx | xx | Connecticut | xx | $79476.12 | 8.375% | $687.94 | $687.94 | 2025-02-01 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $687.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $687.94 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $687.94 | $1375.88 | $687.94 | $0.00 | $0.00 | $0.00 | 0011 | 1100 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $687.94000<br> $1375.88000<br> $687.94000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 66.700% | 33.300% | $114.66 | $2751.76 |
| 63361137 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $90304.19 | 4.750% | $507.04 | $727.89 | 2025-02-06 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $727.89, which was applied for the due date of xx/xx/2025. The current monthly P&I is $507.04 with an interest rate of 4.75%. The current UPB reflected as per the payment history is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $14908.48 | $0.00 | $1455.78 | $0.00 | $0.00 | $0.00 | $0.00 | 000044444444444444443221 | 122344444444444444440000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $14908.48000<br> $0.00000<br> $1455.78000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 93.700% | 0.000% | 33.300% | 187.300% | $681.84 | $16364.26 |
| 41359148 | xx | xx | XX | xx | xx |  |  | xx | xx | Indiana | xx | $365043.30 | 7.625% | $2632.99 | $2632.99 | 2025-01-31 | 2025-02-01 | 0 | As per the review of seller's tape data as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. As per tape, the current P&I is $2,632.99 and interest rate is 7.625%. The UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMMMMM | MMMMMMMMMMMMMMMMMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 26050053 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $299405.26 | 8.625% | $2338.62 | $3077.58 | 2025-02-10 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,077.58, which was applied on xx/xx/2025. The current P&I is $2,338.62 and the interest rate is 8.625%. The UPB is reflected in the amount of xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3077.58 | $3077.58 | $3077.58 | $3077.58 | $3077.58 | $3077.58 | $3077.58 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3077.58000<br> $3077.58000<br> $3077.58000<br> $3077.58000<br> $3077.58000<br> $3077.58000<br> $3077.58000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $897.63 | $21543.06 |
| 24547625 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $45486.81 | 9.500% | $420.43 | $420.43 | 2025-02-01 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $420.43 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $420.43 with an interest rate of 9.50%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $840.86 | $1261.00 | $2420.43 | $0.00 | $1709.00 | $450.00 | $0.00 | $450.00 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $840.86000<br> $1261.00000<br> $2420.43000<br> $0.00000<br> $1709.00000<br> $450.00000<br> $0.00000<br> $450.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 70.700% | 0.000% | 35.700% | 141.300% | $297.14 | $7131.29 |
| 67881748 | xx | xx | XX | xx | xx |  |  | xx | xx | Tennessee | xx | $72115.27 | 6.500% | $461.41 | $541.91 | 2025-02-22 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $541.91 which was applied for the due date of xx/xx/2025. The current monthly P&I is $461.41 with an interest rate of 6.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $541.91 | $0.00 | $541.91 | $541.91 | $541.91 | $1083.82 | $541.91 | $541.91 | $0.00 | $541.91 | $1083.82 | $541.91 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-02-22 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $541.91000<br> $0.00000<br> $541.91000<br> $541.91000<br> $541.91000<br> $1083.82000<br> $541.91000<br> $541.91000<br> $0.00000<br> $541.91000<br> $1083.82000<br> $541.91000<br> $0.00000<br> $0.00000<br> $0.00000 | 50.000% | 0.000% | 66.700% | 83.300% | $270.96 | $6502.92 |
| 68881334 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $71644.17 | 6.625% | $460.38 | $700.06 | 2025-02-01 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $700.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $460.38 with an interest rate of 6.625%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $700.06 | $700.06 | $700.06 | $700.06 | $0.00 | $0.00 | $0.00 | 0000 | 0000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $700.06000<br> $700.06000<br> $700.06000<br> $700.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 16.700% | 0.000% | 50.000% | 33.300% | $116.68 | $2800.24 |
| 86159186 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Ohio | xx | $51028.57 | 9.000% | $463.36 | $463.36 | 2025-02-18 | 2025-04-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $463.36, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $463.36, and the interest rate is 9.000%.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $926.72 | $463.36 | $926.72 | $463.36 | $0.00 | $0.00 | $0.00 | 000001 | 100000 | 2025-02-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $926.72000<br> $463.36000<br> $926.72000<br> $463.36000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 66.700% | 50.000% | $115.84 | $2780.16 |
| 45429401 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $237402.74 | 2.875% | $2891.01 | $3429.52 | 2025-02-07 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,429.52 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,891.01 with an interest rate of 2.875%. The current UPB reflected as per the payment history is xx. | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5000.00 | $5510.10 | $5510.17 | $5538.51 | $5538.51 | $0.00 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5000.00000<br> $5510.10000<br> $5510.17000<br> $5538.51000<br> $5538.51000<br> $0.00000<br> $0.00000<br> $0.00000 | 130.100% | 0.000% | 80.600% | 114.400% | $4462.39 | $107097.29 |
| 47065464 | xx | xx | XX | xx | xx |  |  | xx | xx | Pennsylvania | xx | $265660.81 | 7.990% | $1965.35 | $1965.35 | 2025-01-31 | 2025-03-01 | 0 | According to the tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last transaction details are not available. The current P&I is $1,965.35 with an interest rate of 7.990%. The current UPB reflected as per the tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1965.35 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMM210 | 012MMMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1965.35000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 0.000% | 0.000% | $81.89 | $1965.35 |
| 47546153 | xx | xx | XX | xx | xx |  |  | xx | xx | Oregon | xx | $101573.08 | 8.500% | $885.18 | $885.18 | 2025-02-01 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $885.18 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $885.18 with an interest rate of 8.500%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $885.18 | $885.18 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $885.18000<br> $885.18000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $73.77 | $1770.36 |
| 49486697 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Georgia | xx | $49748.55 | 8.125% | $422.13 | $422.13 | 2025-01-31 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $422.13, which was applied for the due date of xx/xx/2025. The current monthly P&I is $422.13 with an interest rate of 8.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $422.13 | $422.13 | $422.13 | $0.00 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-01-29 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $422.13000<br> $422.13000<br> $422.13000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 33.300% | 25.000% | $52.77 | $1266.39 |
| 12706300 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $752222.50 | 9.625% | $6547.04 | $6849.46 | 2025-02-17 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,849.46 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,547.04 with an interest rate of 9.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $13791.80 | $6895.90 | $6895.90 | $6895.90 | $6895.90 | $6895.90 | $6849.46 | $6849.46 | $6849.46 | $6849.46 | $14026.27 | $0.00 | $16695.41 | $0.00 | $6849.46 | $0.00 | $13094.08 | $0.00 | $17716.87 | $0.00 | $0.00 | $0.00 | $0.00 | 010100000000000000010000 | 000010000000000000001010 | 2025-01-19 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $13791.80000<br> $6895.90000<br> $6895.90000<br> $6895.90000<br> $6895.90000<br> $6895.90000<br> $6849.46000<br> $6849.46000<br> $6849.46000<br> $6849.46000<br> $14026.27000<br> $0.00000<br> $16695.41000<br> $0.00000<br> $6849.46000<br> $0.00000<br> $13094.08000<br> $0.00000<br> $17716.87000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 87.600% | 0.000% | 43.100% | 66.100% | $6002.13 | $144051.23 |
| 61099957 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $2202002.26 | 9.375% | $18381.66 | $20870.40 | 2025-02-17 | 2025-02-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $20,870.40, which was applied for the due date of xx/xx/2025. The current monthly P&I is $18,381.66 with an interest rate of 9.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $20870.40 | $20870.40 | $0.00 | $20870.40 | $41740.80 | $0.00 | $20870.40 | $20870.40 | $0.00 | $0.00 | $0.00 | 11101100 | 00110111 | 2025-02-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $20870.40000<br> $20870.40000<br> $0.00000<br> $20870.40000<br> $41740.80000<br> $0.00000<br> $20870.40000<br> $20870.40000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 33.300% | 58.300% | $6087.20 | $146092.80 |
| 83304542 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $225905.33 | 6.750% | $1466.48 | $1972.06 | 2025-02-26 | 2025-03-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,972.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,466.48 with an interest rate of 6.750%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1972.06 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-02-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1972.06000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $82.17 | $1972.06 |
| 46901730 | xx | xx | XX | xx | xx |  |  | xx | xx | New Mexico | xx | $215576.25 | 7.125% | $1455.23 | $1748.98 | 2025-02-26 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,748.98, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $1,455.23, and the interest rate is 7.125%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2000.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-02-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2000.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.800% | 0.000% | 19.100% | 9.500% | $83.33 | $2000.00 |
| 28734684 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $201479.02 | 6.000% | $1221.69 | $1767.73 | 2025-02-20 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $1,767.73, which applied to the due date of xx/xx/2025. The current P&I is $1,221.69 with an interest rate of 6.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1767.73 | $1767.73 | $1767.73 | $1797.73 | $1797.73 | $1797.73 | $1797.73 | $1797.73 | $1797.73 | $1797.73 | $0.00 | $0.00 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-01-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1767.73000<br> $1767.73000<br> $1767.73000<br> $1797.73000<br> $1797.73000<br> $1797.73000<br> $1797.73000<br> $1797.73000<br> $1797.73000<br> $1797.73000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 42.200% | 0.000% | 33.900% | 67.700% | $745.30 | $17887.30 |
| 77176974 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $3990582.19 | 7.250% | $27287.05 | $40101.68 | 2025-03-17 | 2025-03-01 | 0 | According to the latest payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $40,101.68, which was applied to the due date of xx/xx/2025. The unpaid principal balance is xx. The current P&I is $27,287.05, and the interest rate is 7.250%. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $40101.68 | $40101.68 | $40101.68 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $40101.68000<br> $40101.68000<br> $40101.68000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $5012.71 | $120305.04 |
| 28339815 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $379799.89 | 9.250% | $2927.63 | $5220.24 | 2025-03-17 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $5,220.24, which was applied to the due date of xx/xx/2025. The current interest-only payment is $2,927.63 with an interest rate of 9.250%. The current UPB reflected as per the payment history is xx. The note consists of 120 months of interest-only payments. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4478.37 | $4478.37 | $4478.37 | $8956.74 | $0.00 | $4478.37 | $4478.37 | $8956.80 | $4478.45 | $5220.24 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4478.37000<br> $4478.37000<br> $4478.37000<br> $8956.74000<br> $0.00000<br> $4478.37000<br> $4478.37000<br> $8956.80000<br> $4478.45000<br> $5220.24000<br> $0.00000<br> $0.00000 | 39.900% | 33.300% | 73.900% | 79.800% | $2083.50 | $50004.08 |
| 50413515 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $895898.88 | 8.250% | $6761.40 | $8834.56 | 2025-03-17 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,834.56 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,761.40 with an interest rate of 8.250%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $17669.12 | $8834.56 | $8834.56 | $8834.56 | $8834.56 | $8834.56 | $0.00 | $0.00 | 0000001 | 1000000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $17669.12000<br> $8834.56000<br> $8834.56000<br> $8834.56000<br> $8834.56000<br> $8834.56000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $2576.75 | $61841.92 |
| 84710043 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $211738.89 | 6.875% | $1395.70 | $1618.41 | 2025-03-28 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,618.41(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,395.70 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1618.41 | $1618.41 | $1618.41 | $1618.41 | $0.00 | $0.00 | 0000 | 0000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1618.41000<br> $1618.41000<br> $1618.41000<br> $1618.41000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $269.74 | $6473.64 |
| 34426989 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $358174.43 | 8.500% | $2798.85 |  | 2025-03-17 | 2025-03-01 | 0 | As per the review payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. Details of the last payment received are not available. The current P&I is $2,798.85, and the interest rate is 8.500%. The UPB is xx | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | MMMMMMMMMMMMMMMMMMMMM000 | 000MMMMMMMMMMMMMMMMMMMMM |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 75251206 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $160712.68 | 9.125% | $1311.37 | $2005.18 | 2025-03-17 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,005.18 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,311.37, and the interest rate is 9.125%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2205.18 | $2005.18 | $2005.18 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2205.18000<br> $2005.18000<br> $2005.18000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.900% | 0.000% | 51.700% | 25.800% | $258.98 | $6215.54 |
| 51152669 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $317870.74 | 8.125% | $2364.85 | $2893.13 | 2025-03-17 | 2025-04-01 | 0 | As per the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received xx/xx/2025 in the amount of $2,893.13 (PITI), which was applied on xx/xx/2025. The current P&I is $2,364.85, and the interest rate is 8.125%. The UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2893.13 | $2893.13 | $2893.13 | $0.00 | $0.00 | 000 | 000 | 2025-03-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2893.13000<br> $2893.13000<br> $2893.13000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $361.64 | $8679.39 |
| 85199302 | xx | xx | XX | xx | xx |  |  | xx | xx | Hawaii | xx | $250000.00 | 8.375% | $1900.18 |  | 2025-02-28 | 2025-03-01 | 0 | The loan was originated on xx/xx/2025 with the first payment on xx/xx/2025. According to payment history tape data as of xx/xx/2025, the next due date is xx/xx/2025. The current P&I is $1,900.18 with an interest rate of 8.375%. The current UPB reflected as per the payment history tape data is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 32950271 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $861424.08 | 8.375% | $6555.62 | $8111.59 | 2025-03-17 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,111.59 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,555.62 with an interest rate of 8.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8111.59 | $8111.59 | $0.00 | $0.00 | 00 | 00 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8111.59000<br> $8111.59000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $675.97 | $16223.18 |
| 15774298 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New York | xx | $358589.64 | 6.125% | $2187.40 | $2187.40 | 2025-03-06 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,187.40 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,187.40 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4374.80 | $0.00 | $2187.40 | $2187.40 | $0.00 | $0.00 | 0000 | 0000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4374.80000<br> $0.00000<br> $2187.40000<br> $2187.40000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $364.57 | $8749.60 |
| 32939093 | xx | xx | XX | xx | xx | xx | xx | xx | xx | New York | xx | $323014.90 | 7.125% | $2198.01 | $2888.14 | 2025-03-11 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,888.14, which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,198.01 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2970.16 | $2970.16 | $2970.16 | $2970.16 | $2970.16 | $2970.16 | $2970.16 | $2970.16 | $2867.97 | $2867.97 | $2867.97 | $2888.14 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2970.16000<br> $2867.97000<br> $2867.97000<br> $2867.97000<br> $2888.14000<br> $0.00000<br> $0.00000 | 50.900% | 33.300% | 66.300% | 84.600% | $1468.89 | $35253.33 |
| 14131566 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $177528.65 | 7.990% | $1315.49 | $1813.84 | 2025-02-27 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,813.84 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,315.49 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1810.35 | $1810.35 | $1810.35 | $0.00 | $3620.70 | $0.00 | $3620.70 | $1810.35 | $0.00 | $3620.70 | $1813.84 | $1813.84 | $1813.84 | $1813.84 | $0.00 | $0.00 | $0.00 | 00000000000000 | 00000000000000 | 2025-02-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1810.35000<br> $1810.35000<br> $1810.35000<br> $0.00000<br> $3620.70000<br> $0.00000<br> $3620.70000<br> $1810.35000<br> $0.00000<br> $3620.70000<br> $1813.84000<br> $1813.84000<br> $1813.84000<br> $1813.84000<br> $0.00000<br> $0.00000<br> $0.00000 | 58.300% | 0.000% | 50.000% | 74.900% | $1056.62 | $25358.86 |
| 419450 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $270385.06 | 5.750% | $1593.15 | $2432.73 | 2025-02-27 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,432.73, which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,593.15 with an interest rate of 5.750%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $2432.73 | $0.00 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-02-19 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $2432.73000<br> $0.00000<br> $0.00000<br> $0.00000 | 37.500% | 0.000% | 50.000% | 75.000% | $912.27 | $21894.57 |
| 15838732 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $430048.78 | 5.625% | $2532.23 | $3124.94 | 2025-02-28 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,124.94 which was applied for the due date of xx/xx/2025. The current monthly P&I is $2,532.23 with an interest rate of 5.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3096.48 | $3124.94 | $3124.94 | $3124.94 | $6249.88 | $0.00 | $3124.94 | $3124.94 | $3124.94 | $3124.94 | $3124.94 | $3124.94 | $0.00 | $0.00 | $0.00 | 00000000000000000000 | 00000000000000000000 | 2025-02-02 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3096.48000<br> $3124.94000<br> $3124.94000<br> $3124.94000<br> $6249.88000<br> $0.00000<br> $3124.94000<br> $3124.94000<br> $3124.94000<br> $3124.94000<br> $3124.94000<br> $3124.94000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.000% | 0.000% | 50.000% | 75.000% | $2593.44 | $62242.66 |
| 56701866 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Colorado | xx | $751613.36 | 10.000% | $6598.86 | $7160.37 | 2025-03-04 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,160.37 which was applied for the due date of xx/xx/2025. The current monthly P&I is $6,598.86 with an interest rate of 10.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7160.37 | $0.00 | $0.00 | 0 | 0 | 2025-03-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7160.37000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $298.35 | $7160.37 |
| 11856320 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $329745.93 | 7.375% | $2289.93 | $2888.61 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,888.61 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,289.93 with an interest rate of 7.375%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2888.61 | $2888.61 | $2888.61 | $2888.61 | $2888.61 | $2888.61 | $2888.61 | $0.00 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2888.61000<br> $2888.61000<br> $2888.61000<br> $2888.61000<br> $2888.61000<br> $2888.61000<br> $2888.61000<br> $0.00000<br> $0.00000<br> $0.00000 | 29.200% | 0.000% | 50.000% | 58.300% | $842.51 | $20220.27 |
| 32901938 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $219306.58 | 7.490% | $1535.37 | $1902.83 | 2025-03-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,902.83, which was applied for the due date of xx/xx/2025. The current P&I is $1,535.37 with an interest rate of 7.490%. The current UPB is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1902.83 | $1902.83 | $1902.83 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1902.83000<br> $1902.83000<br> $1902.83000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $237.85 | $5708.49 |
| 83370889 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $414401.93 | 6.625% | $3096.54 | $4335.73 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,335.73 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $3,096.54 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx.<br> PH shows a large payment of xx in Jan-25. As per the seller's response, the amount is paid by BWR.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4186.02 | $4286.02 | $4286.02 | $4286.02 | $4286.02 | $4286.02 | $4286.02 | $4286.02 | $4286.02 | $67286.02 | $4435.73 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-02-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4186.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $4286.02000<br> $67286.02000<br> $4435.73000<br> $0.00000<br> $0.00000<br> $0.00000 | 105.900% | 0.000% | 292.200% | 195.500% | $4591.50 | $110195.93 |
| 75159358 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $49970.49 | 8.625% | $388.89 | $388.89 | 2025-03-04 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $388.89, which was applied to the due date of xx/xx/2025. The current P&I is $388.89 with an interest rate of 8.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $388.89 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-02-25 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $388.89000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $16.20 | $388.89 |
| 6777251 | xx | xx | XX | xx | xx |  |  | xx | xx | Connecticut | xx | $243777.36 | 7.000% | $1629.99 | $2355.71 | 2025-02-28 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,355.71 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,629.99 with an interest rate of 7.000%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2355.71 | $0.00 | $2355.71 | $2355.71 | $2355.71 | $4711.42 | $0.00 | $0.00 | $0.00 | $0.00 | 000000 | 000000 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2355.71000<br> $0.00000<br> $2355.71000<br> $2355.71000<br> $2355.71000<br> $4711.42000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 25.000% | 0.000% | 50.000% | 50.000% | $588.93 | $14134.26 |
| 52508670 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Virginia | xx | $220068.56 | 6.875% | $1448.13 | $1751.61 | 2025-03-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,751.61, which was applied for the due date of xx/xx/2025. The current P&I is $1,448.13 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3503.22 | $0.00 | $0.00 | $0.00 | 00 | 00 | 2025-02-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3503.22000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $145.97 | $3503.22 |
| 76776468 | xx | xx | XX | xx | xx |  |  | xx | xx | Georgia | xx | $356396.55 | 2.990% | $1700.05 | $2585.51 | 2025-03-04 | 2025-03-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,585.51 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,700.05 with an interest rate of 2.990%. The current UPB reflected as per the payment history is xx. The deferred balance is xx. Tape shows the borrower was approved for a Forbearance plan from 8/2021-1/2022 and the deferral was applied in the amount of xx to bring loan current. Second forbearance plan from 12/2022-4/2023. No other evidence has been found for deferred balance. | $2324.03 | $2324.03 | $2324.03 | $2324.03 | $2324.03 | $2324.03 | $2324.03 | $2349.90 | $2349.90 | $2349.90 | $2349.90 | $2349.90 | $0.00 | $4880.94 | $2440.47 | $2440.47 | $2585.51 | $2670.51 | $2585.51 | $2585.51 | $2585.51 | $0.00 | $0.00 | $0.00 | 000000001000000000000001 | 100000000000000100000000 | 2025-02-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2324.03000<br> $2324.03000<br> $2324.03000<br> $2324.03000<br> $2324.03000<br> $2324.03000<br> $2324.03000<br> $2349.90000<br> $2349.90000<br> $2349.90000<br> $2349.90000<br> $2349.90000<br> $0.00000<br> $4880.94000<br> $2440.47000<br> $2440.47000<br> $2585.51000<br> $2670.51000<br> $2585.51000<br> $2585.51000<br> $2585.51000<br> $0.00000<br> $0.00000<br> $0.00000 | 81.900% | 0.000% | 50.000% | 73.400% | $2116.34 | $50792.14 |
| 58178424 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $488000.00 | 6.625% | $3124.72 | $3124.72 | 2025-03-06 | 2025-03-01 | 0 | The loan originated on xx/xx/2025, and the first pay date is xx/xx/2025. According to the payment history as of xx/xx/2025, the borrower is current with the loan. The next due date is xx/xx/2025. The current P&I is $3,124.72 with an interest rate of 6.625%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 28679382 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $937936.35 | 6.000% | $5629.01 | $6305.54 | 2025-03-04 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,305.54 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,629.01 with an interest rate of 6.000%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6305.54 | $0.00 | $0.00 | $0.00 | $0.00 | 0 | 0 | 2025-01-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6305.54000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 4.200% | 0.000% | 16.700% | 8.300% | $262.73 | $6305.54 |
| 23420305 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Arizona | xx | $378299.84 | 5.875% | $2294.59 | $2644.06 | 2025-03-04 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,644.06 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,294.59 with an interest rate of 5.875%. The current UPB reflected as per the payment history is xx. | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2612.50 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $2644.06 | $0.00 | $0.00 | 00000000000000000000000 | 00000000000000000000000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2612.50000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $2644.06000<br> $0.00000<br> $0.00000 | 91.200% | 33.300% | 66.700% | 83.300% | $2411.89 | $57885.28 |
| 30559191 | xx | xx | XX | xx | xx | xx | xx | xx | xx | North Carolina | xx | $812654.34 | 8.000% | $5971.01 | $6859.51 | 2025-03-13 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $6,859.51 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,971.01 with an interest rate of 8.00%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6859.51 | $6859.51 | $0.00 | $0.00 | 00 | 00 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $6859.51000<br> $6859.51000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $571.63 | $13719.02 |
| 74779343 | xx | xx | XX | xx | xx |  |  | xx | xx | New York | xx | $223364.70 | 7.749% | $1611.77 | $2029.59 | 2025-03-10 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,029.59 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,611.77, and the interest rate is 7.749%. The current UPB is xx. The comment dated xx/xx/2024 shows that 3 payments for the due dates from xx/xx/2024 to xx/xx/2024 has been deferred. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2029.59 | $0.00 | $0.00 | $0.00 | $4059.18 | $0.00 | $2029.59 | $2029.59 | $2029.59 | $2029.59 | $0.00 | $0.00 | 0000003210 | 0123000000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2029.59000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4059.18000<br> $0.00000<br> $2029.59000<br> $2029.59000<br> $2029.59000<br> $2029.59000<br> $0.00000<br> $0.00000 | 29.200% | 33.300% | 66.700% | 58.300% | $591.96 | $14207.13 |
| 27873244 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $138528.38 | 3.125% | $651.13 | $1487.83 | 2025-02-28 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,487.83 which was applied for the due date of xx/xx/2025. The current monthly P&I is $651.13 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx. | $3738.64 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8685.00 | $965.00 | $1389.68 | $1369.68 | $1369.68 | $0.00 | $2739.36 | $1369.68 | $1369.68 | $1369.68 | $1369.68 | $1369.68 | $1369.68 | $1487.83 | $0.00 | $0.00 | $0.00 | 000000001000004444442432 | 234244444400000100000000 | 2025-02-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $3738.64000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8685.00000<br> $965.00000<br> $1389.68000<br> $1369.68000<br> $1369.68000<br> $0.00000<br> $2739.36000<br> $1369.68000<br> $1369.68000<br> $1369.68000<br> $1369.68000<br> $1369.68000<br> $1369.68000<br> $1487.83000<br> $0.00000<br> $0.00000<br> $0.00000 | 83.900% | 0.000% | 47.400% | 69.700% | $1248.46 | $29962.95 |
| 12551708 | xx | xx | XX | xx | xx |  |  | xx | xx | Arizona | xx | $523149.17 | 3.250% | $2432.80 | $2749.21 | 2025-04-08 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of PITI $2,749.21. The current P&I is $2,432.80 with an interest rate of 3.250%. The current UPB reflected as per the payment history tape data is xx. | $2691.38 | $2691.38 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $2749.21 | $5498.42 | $2749.21 | $2749.21 | $0.00 | $5498.42 | $0.00 | $2749.21 | $2749.21 | $2749.21 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $2691.38000<br> $2691.38000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $5498.42000<br> $2749.21000<br> $2749.21000<br> $0.00000<br> $5498.42000<br> $0.00000<br> $2749.21000<br> $2749.21000<br> $2749.21000<br> $0.00000<br> $0.00000 | 91.500% | 33.300% | 50.000% | 83.300% | $2515.29 | $60366.96 |
| 19642333 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Kansas | xx | $71315.07 | 6.125% | $455.59 | $732.60 | 2025-03-18 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $732.60 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $455.59 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $817.60 | $800.00 | $812.06 | $800.06 | $850.00 | $900.00 | $800.00 | $800.00 | $800.00 | $800.00 | $900.00 | $820.00 | $0.00 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-02-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $817.60000<br> $800.00000<br> $812.06000<br> $800.06000<br> $850.00000<br> $900.00000<br> $800.00000<br> $800.00000<br> $800.00000<br> $800.00000<br> $900.00000<br> $820.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 56.300% | 0.000% | 57.300% | 85.000% | $412.49 | $9899.72 |
| 31981335 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Kansas | xx | $316650.72 | 3.124% | $1459.50 | $2194.34 | 2025-03-18 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,194.34(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,459.50 with an interest rate of 3.124%. The current UPB reflected as per the payment history is $316,650.72.<br> PH shows the deferred principal balance is xx.<br> PH shows a large payment of $7,170.36 in Oct-23 paid by BWR.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $7170.36 | $2171.23 | $2122.52 | $2122.52 | $2122.52 | $2122.52 | $2122.52 | $2122.52 | $2122.52 | $2122.52 | $2194.34 | $2194.34 | $2194.34 | $2194.34 | $2194.34 | $2194.34 | $2194.34 | $2194.34 | $0.00 | $0.00 | 000000000000000004444444 | 444444400000000000000000 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7170.36000<br> $2171.23000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2122.52000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $2194.34000<br> $0.00000<br> $0.00000 | 83.300% | 33.300% | 66.700% | 82.800% | $1828.19 | $43876.47 |
| 92790877 | xx | xx | XX | xx | xx |  |  | xx | xx | Washington | xx | $350022.75 | 6.124% | $2137.04 | $2544.19 | 2025-03-18 | 2025-04-01 | 0 | As per the review of payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,544.19 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,137.04 with an interest rate of 6.124%. The current UPB reflected as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2544.19 | $0.00 | $2544.19 | $2544.19 | $2544.19 | $2544.19 | $0.00 | $0.00 | 00000 | 00000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2544.19000<br> $0.00000<br> $2544.19000<br> $2544.19000<br> $2544.19000<br> $2544.19000<br> $0.00000<br> $0.00000 | 20.800% | 33.300% | 66.700% | 41.700% | $530.04 | $12720.95 |
| 7207573 | xx | xx | XX | xx | xx |  |  | xx | xx | Alabama | xx | $142420.55 | 6.125% | $874.96 | $1069.88 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,069.88 which was applied for the due date of xx/xx/2025. The current monthly P&I is $874.96 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1069.88 | $1069.88 | $1069.88 | $1069.88 | $1069.88 | $0.00 | $1069.88 | $1069.88 | $2139.76 | $1069.88 | $1069.88 | $0.00 | $0.00 | $0.00 | 00000000000 | 00000000000 | 2025-02-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1069.88000<br> $1069.88000<br> $1069.88000<br> $1069.88000<br> $1069.88000<br> $0.00000<br> $1069.88000<br> $1069.88000<br> $2139.76000<br> $1069.88000<br> $1069.88000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 66.700% | 75.000% | $490.36 | $11768.68 |
| 86998967 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Massachusetts | xx | $259096.97 | 6.750% | $1686.36 | $2229.71 | 2025-03-20 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,229.71 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,686.36 with an interest rate of 6.75%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2229.71 | $0.00 | $4459.42 | $0.00 | $2229.71 | $0.00 | $0.00 | 0000 | 0000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2229.71000<br> $0.00000<br> $4459.42000<br> $0.00000<br> $2229.71000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 50.000% | 33.300% | $371.62 | $8918.84 |
| 81666721 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Montana | xx | $440554.07 | 6.125% | $2684.72 | $3291.72 | 2025-03-20 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,291.72(PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,684.72 with an interest rate of 6.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3291.72 | $0.00 | $3291.72 | $3291.72 | $0.00 | $0.00 | 000 | 000 | 2025-03-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3291.72000<br> $0.00000<br> $3291.72000<br> $3291.72000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $411.47 | $9875.16 |
| 41735239 | xx | xx | XX | xx | xx |  |  | xx | xx | Massachusetts | xx | $294914.32 | 7.000% | $1965.30 | $2472.27 | 2025-03-26 | 2025-02-01 | 1 | According to payment history as of xx/xx/2025, the borrower has been delinquent for 1 month, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,472.27 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,965.30 with an interest rate of 7.000%. The current UPB reflected as per the payment history is xx.<br>| $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2472.27 | $0.00 | $2472.27 | $0.00 | $0.00 | $0.00 | 110 | 011 | 2025-02-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2472.27000<br> $0.00000<br> $2472.27000<br> $0.00000<br> $0.00000<br> $0.00000 | 8.300% | 0.000% | 33.300% | 16.700% | $206.02 | $4944.54 |
| 2922766 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $232727.47 | 8.250% | $1769.23 | $2026.81 | 2025-03-17 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,026.81 (PITI) and was applied to the due date of xx/xx/2025. The monthly P&I is $1,769.23, and the interest rate is 8.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2026.81 | $0.00 | $2026.81 | $2026.81 | $6506.32 | $2026.81 | $2026.81 | $2026.81 | $0.00 | $0.00 | $0.00 | 000022211M | M112220000 | 2025-02-28 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2026.81000<br> $0.00000<br> $2026.81000<br> $2026.81000<br> $6506.32000<br> $2026.81000<br> $2026.81000<br> $2026.81000<br> $0.00000<br> $0.00000<br> $0.00000 | 38.400% | 0.000% | 50.000% | 76.800% | $777.80 | $18667.18 |
| 49417057 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $276821.21 | 7.625% | $1981.82 | $2767.31 | 2025-03-24 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,767.31 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,981.82 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2767.31 | $2767.31 | $2767.31 | $0.00 | $2767.31 | $2767.31 | $2767.31 | $2767.31 | $3423.30 | $2767.31 | $0.00 | $0.00 | 000000000 | 000000000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2767.31000<br> $2767.31000<br> $2767.31000<br> $0.00000<br> $2767.31000<br> $2767.31000<br> $2767.31000<br> $2767.31000<br> $3423.30000<br> $2767.31000<br> $0.00000<br> $0.00000 | 38.500% | 33.300% | 70.600% | 77.000% | $1065.07 | $25561.78 |
| 67407835 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $87439.63 | 6.875% | $579.41 | $822.16 | 2025-03-24 | 2025-01-01 | 2 | According to the payment history as of xx/xx/2025, the borrower is currently 2 months delinquent with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $822.16, which was applied for the due date of xx/xx/2024. The current monthly P&I is $579.41 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1644.32 | $0.00 | $822.16 | $822.16 | $0.00 | $2466.48 | $822.16 | $822.16 | $0.00 | $0.00 | $822.16 | $0.00 | $0.00 | 321113222121 | 121222311123 | 2025-03-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1644.32000<br> $0.00000<br> $822.16000<br> $822.16000<br> $0.00000<br> $2466.48000<br> $822.16000<br> $822.16000<br> $0.00000<br> $0.00000<br> $822.16000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 33.300% | 66.700% | $342.57 | $8221.60 |
| 69758491 | xx | xx | XX | xx | xx |  |  | xx | xx | Colorado | xx | $144181.16 | 2.990% | $523.50 | $1297.70 | 2025-03-24 | 2025-03-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,297.70, which was applied for the due date of xx/xx/2025. The current monthly P&I is $523.50 with an interest rate of 2.99%. The current UPB reflected as per the payment history is xx. | $1374.97 | $1374.97 | $1374.97 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $1502.15 | $0.00 | $2291.19 | $1297.70 | $1297.70 | $1297.70 | $0.00 | $1297.70 | $1297.70 | $1297.70 | $1297.70 | $0.00 | $0.00 | 111100004444444433333333 | 333333334444444400001111 | 2025-03-13 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1374.97000<br> $1374.97000<br> $1374.97000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $1502.15000<br> $0.00000<br> $2291.19000<br> $1297.70000<br> $1297.70000<br> $1297.70000<br> $0.00000<br> $1297.70000<br> $1297.70000<br> $1297.70000<br> $1297.70000<br> $0.00000<br> $0.00000 | 93.200% | 33.300% | 66.700% | 73.000% | $1209.14 | $29019.35 |
| 1336752 | xx | xx | XX | xx | xx |  |  | xx | xx | Oregon | xx | $251601.04 | 3.990% | $1287.47 | $1760.17 | 2025-04-01 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,760.17 which was applied for the due date of xx/xx/2025. The current monthly P&I is $1,287.47 with an interest rate of 3.990%. The current UPB reflected as per the payment history is xx. | $1760.17 | $3520.34 | $0.00 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $1760.17 | $3520.34 | $0.00 | $3520.34 | $0.00 | $1760.17 | $0.00 | $3520.34 | $1760.17 | $1760.17 | $1760.17 | $0.00 | 000010000000000000000000 | 000000000000000000010000 | 2025-04-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1760.17000<br> $3520.34000<br> $0.00000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $3520.34000<br> $0.00000<br> $3520.34000<br> $0.00000<br> $1760.17000<br> $0.00000<br> $3520.34000<br> $1760.17000<br> $1760.17000<br> $1760.17000<br> $0.00000 | 95.800% | 66.700% | 83.300% | 91.700% | $1686.83 | $40483.91 |
| 47503916 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $54331.77 | 7.625% | $389.29 | $572.32 | 2025-04-09 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $572.32 which was applied for the due date of xx/xx/2025. The current monthly P&I is $389.29 with an interest rate of 7.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $572.32 | $0.00 | $572.32 | $0.00 | $572.32 | $572.32 | $572.32 | $572.32 | $572.32 | $572.32 | $572.32 | $572.32 | $572.32 | $0.00 | $0.00 | 00000000000MMMMM | MMMMM00000000000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $572.32000<br> $0.00000<br> $572.32000<br> $0.00000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $572.32000<br> $0.00000<br> $0.00000 | 45.800% | 33.300% | 66.700% | 75.000% | $262.31 | $6295.52 |
| 40200834 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $99991.61 | 6.500% | $638.62 | $920.95 | 2025-04-05 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $920.95, which was applied for the due date of xx/xx/2025. The current P&I is $638.62 with an interest rate of 6.50%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $920.95 | $920.95 | $0.00 | $920.95 | $946.49 | $3791.68 | $0.00 | $0.00 | $920.95 | $920.95 | $0.00 | $0.00 | 0000011100 | 0011100000 | 2025-03-27 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $920.95000<br> $920.95000<br> $0.00000<br> $920.95000<br> $946.49000<br> $3791.68000<br> $0.00000<br> $0.00000<br> $920.95000<br> $920.95000<br> $0.00000<br> $0.00000 | 42.300% | 33.300% | 33.300% | 84.500% | $389.29 | $9342.92 |
| 26383609 | xx | xx | XX | xx | xx |  |  | xx | xx | Michigan | xx | $126069.05 | 7.125% | $857.12 | $1035.19 | 2025-04-09 | 2025-05-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,035.19 which was applied for the due date of xx/xx/2025. The current monthly P&I is $857.12 with an interest rate of 7.125%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1035.19 | $0.00 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $1035.19 | $0.00 | 00000000000 | 00000000000 | 2025-04-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1035.19000<br> $0.00000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $1035.19000<br> $0.00000 | 45.800% | 66.700% | 83.300% | 83.300% | $474.46 | $11387.09 |
| 4334042 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $115979.43 | 6.625% | $755.57 | $1168.03 | 2025-03-18 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,168.03 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $755.57 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1799.98 | $1199.99 | $1199.99 | $1199.99 | $1260.69 | $0.00 | $2521.38 | $0.00 | $0.00 | 0000000 | 0000000 | 2025-03-18 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1799.98000<br> $1199.99000<br> $1199.99000<br> $1199.99000<br> $1260.69000<br> $0.00000<br> $2521.38000<br> $0.00000<br> $0.00000 | 32.800% | 72.000% | 71.100% | 65.500% | $382.58 | $9182.02 |
| 44595560 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $98814.15 | 6.625% | $640.32 | $1195.28 | 2025-03-05 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,195.28 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $640.32 with an interest rate of 6.625%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2212.24 | $1106.12 | $1106.12 | $1106.12 | $0.00 | $1106.12 | $1106.12 | $1106.12 | $1106.12 | $1106.12 | $1106.12 | $1106.12 | $1195.28 | $0.00 | $0.00 | 0000000000000 | 0000000000000 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2212.24000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $0.00000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $1106.12000<br> $1195.28000<br> $0.00000<br> $0.00000 | 50.400% | 33.300% | 62.900% | 70.000% | $602.86 | $14468.72 |
| 55366322 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Texas | xx | $141155.29 | 6.990% | $951.09 | $1314.66 | 2025-03-12 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,314.66, which was applied for the due date of xx/xx/2025. The current monthly P&I is $951.09 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1408.43 | $1308.43 | $1308.43 | $1308.43 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1286.96 | $1286.96 | $1314.66 | $1314.66 | $0.00 | $0.00 | 0000MMMMMM0000 | 0000MMMMMM0000 | 2025-03-12 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1408.43000<br> $1308.43000<br> $1308.43000<br> $1308.43000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1286.96000<br> $1286.96000<br> $1314.66000<br> $1314.66000<br> $0.00000<br> $0.00000 | 33.400% | 33.300% | 66.000% | 33.000% | $439.04 | $10536.96 |
| 80794033 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $963788.90 | 4.990% | $5199.50 | $5967.01 | 2025-03-07 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $5,967.01 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $5,199.50 with an interest rate of 4.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5350.70 | $5350.70 | $5350.70 | $6200.02 | $5967.01 | $0.00 | $0.00 | 00000 | 00000 | 2025-03-07 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $5350.70000<br> $5350.70000<br> $5350.70000<br> $6200.02000<br> $5967.01000<br> $0.00000<br> $0.00000 | 19.700% | 33.300% | 63.900% | 39.400% | $1175.80 | $28219.13 |
| 22964226 | xx | xx | XX | xx | xx | xx | xx | xx | xx | California | xx | $181892.80 | 7.875% | $1524.77 | $1524.77 | 2025-03-01 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,524.77 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,524.77 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2651.57 | $0.00 | $1524.77 | $1524.77 | $0.00 | $0.00 | 000 | 000 | 2025-03-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2651.57000<br> $0.00000<br> $1524.77000<br> $1524.77000<br> $0.00000<br> $0.00000 | 15.600% | 33.300% | 62.300% | 31.200% | $237.55 | $5701.11 |
| 59994689 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Florida | xx | $123727.79 | 6.990% | $830.79 | $830.79 | 2025-03-01 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $830.79, which was applied for the due date of xx/xx/2025. The current P&I is $830.79 with an interest rate of 6.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $830.79 | $0.00 | $0.00 | 000000000000 | 000000000000 | 2025-03-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $830.79000<br> $0.00000<br> $0.00000 | 50.000% | 33.300% | 66.700% | 83.300% | $415.40 | $9969.48 |
| 90084539 | xx | xx | XX | xx | xx |  |  | xx | xx | Ohio | xx | $239533.79 | 7.375% | $1656.93 | $2161.30 | 2025-03-05 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025, in the amount of $2,161.30, which was applied for the due date of xx/xx/2025. The current P&I is $1,656.93 with an interest rate of 7.375%. The current UPB as per payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2161.30 | $2161.30 | $0.00 | $0.00 | 00 | 00 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2161.30000<br> $2161.30000<br> $0.00000<br> $0.00000 | 8.300% | 33.300% | 33.300% | 16.700% | $180.11 | $4322.60 |
| 53933606 | xx | xx | XX | xx | xx |  |  | xx | xx | Texas | xx | $753553.95 | 7.990% | $5550.90 | $7688.44 | 2025-03-24 | 2025-04-01 | 0 | According to the payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $7,688.44 which was applied for the due date of xx/xx/2025. The current monthly P&I is $5,550.90 with an interest rate of 7.990%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $7688.44 | $7688.44 | $0.00 | $0.00 | $7688.44 | $23620.40 | $0.00 | $0.00 | 022100 | 001220 | 2025-03-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $7688.44000<br> $7688.44000<br> $0.00000<br> $0.00000<br> $7688.44000<br> $23620.40000<br> $0.00000<br> $0.00000 | 25.300% | 102.400% | 67.900% | 50.600% | $1945.24 | $46685.72 |
| 80463158 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Alabama | xx | $192005.02 | 5.500% | $1103.78 | $1330.81 | 2025-04-04 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,330.81 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,103.78 with an interest rate of 5.50%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1329.89 | $1330.81 | $0.00 | 00000000000 | 00000000000 | 2025-04-01 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1329.89000<br> $1330.81000<br> $0.00000 | 45.800% | 66.600% | 83.300% | 91.600% | $609.57 | $14629.71 |
| 71900439 | xx | xx | XX | xx | xx |  |  | xx | xx | Illinois | xx | $153000.00 | 9.000% | $1551.83 |  | 2025-03-31 | 2025-05-01 | 0 | The loan was originated on xx/xx/2025 with the first payment date of xx/xx/2025. As per the tape as of xx/xx/2025, the next due date is xx/xx/2025, and the current P&I is $1,551.83 with an interest rate of 9.000%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |  |  |  | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000 | 0.000% | 0.000% | 0.000% | 0.000% | $0.00 | $0.00 |
| 15893415 | xx | xx | XX | xx | xx |  |  | xx | xx | Florida | xx | $228609.14 | 3.990% | $1191.38 | $1622.05 | 2025-04-02 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,622.05 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,191.38 with an interest rate of 3.990%. The current UPB reflected as per the payment history is xx. | $1960.42 | $1960.42 | $1960.42 | $1900.57 | $1902.57 | $1852.57 | $1852.57 | $1852.57 | $1852.57 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1874.12 | $1622.05 | $0.00 | $0.00 | 000000000000000000000000 | 000000000000000000000000 | 2025-03-13 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $1960.42000<br> $1960.42000<br> $1960.42000<br> $1900.57000<br> $1902.57000<br> $1852.57000<br> $1852.57000<br> $1852.57000<br> $1852.57000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1874.12000<br> $1622.05000<br> $0.00000<br> $0.00000 | 105.800% | 33.300% | 74.400% | 95.000% | $1716.92 | $41206.17 |
| 88745236 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Colorado | xx | $940391.00 | 7.500% | $6625.93 | $8065.39 | 2025-04-02 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $8,065.39 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $6,625.93 with an interest rate of 7.500%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $8065.39 | $8065.39 | $8065.39 | $8065.39 | $8065.39 | $8065.39 | $8065.40 | $8065.39 | $8065.39 | $8065.39 | $0.00 | $0.00 | 0000000000 | 0000000000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $8065.39000<br> $8065.39000<br> $8065.39000<br> $8065.39000<br> $8065.39000<br> $8065.39000<br> $8065.40000<br> $8065.39000<br> $8065.39000<br> $8065.39000<br> $0.00000<br> $0.00000 | 41.700% | 33.300% | 66.700% | 83.300% | $3360.58 | $80653.91 |
| 62577219 | xx | xx | XX | xx | xx |  |  | xx | xx | North Carolina | xx | $406965.79 | 6.875% | $2680.27 | $3190.64 | 2025-04-02 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $3,190.64 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,680.27 with an interest rate of 6.875%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3190.64 | $0.00 | $3190.64 | $3190.64 | $0.00 | $0.00 | 000 | 000 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $3190.64000<br> $0.00000<br> $3190.64000<br> $3190.64000<br> $0.00000<br> $0.00000 | 12.500% | 33.300% | 50.000% | 25.000% | $398.83 | $9571.92 |
| 19253324 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Tennessee | xx | $405122.16 | 6.875% | $2670.42 | $2989.34 | 2025-04-02 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $2,989.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $2,670.42 with an interest rate of 6.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2989.34 | $2989.34 | $2989.34 | $2989.34 | $0.00 | $0.00 | 0000 | 0000 | 2025-03-31 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $2989.34000<br> $2989.34000<br> $2989.34000<br> $2989.34000<br> $0.00000<br> $0.00000 | 16.700% | 33.300% | 66.700% | 33.300% | $498.22 | $11957.36 |
| 20162960 | xx | xx | XX | xx | xx |  |  | xx | xx | Montana | xx | $120894.79 | 6.700% | $780.79 | $1165.34 | 2025-04-02 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,165.34 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $780.79 with an interest rate of 6.700%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1165.34 | $0.00 | $0.00 | 0 | 0 | 2025-03-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1165.34000<br> $0.00000<br> $0.00000 | 4.200% | 33.300% | 16.700% | 8.300% | $48.56 | $1165.34 |
| 56192856 | xx | xx | XX | xx | xx |  |  | xx | xx | California | xx | $609731.24 | 7.875% | $4430.18 | $4430.18 | 2025-04-02 | 2025-04-01 | 0 | According to payment history tape data as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $4,430.18, which was applied for the due date of xx/xx/2025. The current P&I is $4,430.18 with an interest rate of 7.875%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4430.18 | $8860.36 | $0.00 | $0.00 | $0.00 | 000 | 000 | 2025-02-14 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $4430.18000<br> $8860.36000<br> $0.00000<br> $0.00000<br> $0.00000 | 12.500% | 0.000% | 50.000% | 25.000% | $553.77 | $13290.54 |
| 27631483 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Louisiana | xx | $74649.56 | 3.125% | $305.68 | $909.50 | 2025-03-07 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $909.50 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $305.68 with an interest rate of 3.125%. The current UPB reflected as per the payment history is xx.<br> As per the collection comment dated xx/xx/2024, the xx payment was made by the borrower. | $0.00 | $1819.00 | $909.50 | $2728.50 | $0.00 | $0.00 | $909.50 | $0.00 | $2728.50 | $3117.92 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $11826.00 | $0.00 | $909.50 | $909.50 | $0.00 | $0.00 | 000044444321001000000101 | 101000000100123444440000 | 2025-03-05 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $1819.00000<br> $909.50000<br> $2728.50000<br> $0.00000<br> $0.00000<br> $909.50000<br> $0.00000<br> $2728.50000<br> $3117.92000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $11826.00000<br> $0.00000<br> $909.50000<br> $909.50000<br> $0.00000<br> $0.00000 | 118.500% | 33.300% | 250.000% | 125.000% | $1077.41 | $25857.92 |
| 40716085 | xx | xx | XX | xx | xx |  |  | xx | xx | Wisconsin | xx | $121903.46 | 5.000% | $1009.22 | $3210.00 | 2025-04-21 | 2025-04-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the total amount of $3,210.00 (PITI), which was applied on xx/xx/2025. The current P&I is $1,009.22 with an interest rate of 5.00%. The current UPB reflected as per the payment history tape data is xx. As per the collection comment dated xx/xx/2024, the payments made in Oct 2024 are borrower payments. | $0.00 | $0.00 | $12651.00 | $0.00 | $0.00 | $0.00 | $9488.25 | $0.00 | $0.00 | $3162.75 | $6325.50 | $3162.75 | $3162.75 | $3162.75 | $0.00 | $0.00 | $25879.72 | $0.00 | $0.00 | $3300.00 | $0.00 | $3210.00 | $0.00 | $0.00 | 000000432222332132103210 | 012301231233222234000000 | 2025-03-10 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $12651.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $9488.25000<br> $0.00000<br> $0.00000<br> $3162.75000<br> $6325.50000<br> $3162.75000<br> $3162.75000<br> $3162.75000<br> $0.00000<br> $0.00000<br> $25879.72000<br> $0.00000<br> $0.00000<br> $3300.00000<br> $0.00000<br> $3210.00000<br> $0.00000<br> $0.00000 | 95.400% | 33.300% | 33.800% | 100.500% | $3062.73 | $73505.47 |
| 41207370 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Pennsylvania | xx | $55307.07 | 8.000% | $411.76 | $411.76 | 2025-03-07 | 2025-06-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $411.76 (PITI) which was applied for the due date of xx/xx/2025. The current P&I is $411.76 with an interest rate of 8.000%. The current UPB reflected as per the payment history is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $823.52 | $2056.44 | $411.76 | $411.76 | $411.76 | $411.76 | $0.00 | $0.00 | $0.00 | 000000000144444444444444 | 444444444444441000000000 | 2025-02-04 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $823.52000<br> $2056.44000<br> $411.76000<br> $411.76000<br> $411.76000<br> $411.76000<br> $0.00000<br> $0.00000<br> $0.00000 | 45.800% | 0.000% | 50.000% | 91.600% | $188.63 | $4527.00 |
| 97617154 | xx | xx | XX | xx | xx | xx | xx | xx | xx | Nevada | xx | $241151.51 | 7.250% | $1654.28 | $1980.56 | 2025-04-11 | 2025-05-01 | 0 | According to payment history as of xx/xx/2025, the borrower is current with the loan, and the next due date is xx/xx/2025. The last payment was received on xx/xx/2025 in the amount of $1,980.56 (PITI), which was applied for the due date of xx/xx/2025. The current P&I is $1,654.28 with an interest rate of 7.250%. The current UPB is xx. | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1980.56 | $1980.56 | $1980.56 | $1980.56 | $1980.56 | $1980.56 | $1980.56 | $0.00 | 0000000 | 0000000 | 2025-04-03 | 6/1/2023<br> 7/1/2023<br> 8/1/2023<br> 9/1/2023<br> 10/1/2023<br> 11/1/2023<br> 12/1/2023<br> 1/1/2024<br> 2/1/2024<br> 3/1/2024<br> 4/1/2024<br> 5/1/2024<br> 6/1/2024<br> 7/1/2024<br> 8/1/2024<br> 9/1/2024<br> 10/1/2024<br> 11/1/2024<br> 12/1/2024<br> 1/1/2025<br> 2/1/2025<br> 3/1/2025<br> 4/1/2025<br> 5/1/2025 | $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $0.00000<br> $1980.56000<br> $1980.56000<br> $1980.56000<br> $1980.56000<br> $1980.56000<br> $1980.56000<br> $1980.56000<br> $0.00000 | 29.200% | 66.700% | 83.300% | 58.300% | $577.66 | $13863.92 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan Number** | **Loan Number 2** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Credit Grade** | **Final Overall Property Grade** | **DBRS INITIAL Credit Grade** | **DBRS FINAL Credit Grade** | **DBRS INITIAL Property Grade** | **DBRS FINAL Property Grade** | **FITCH INITIAL Credit Grade** | **FITCH FINAL Credit Grade** | **FITCH INITIAL Property Grade** | **FITCH FINAL Property Grade** | **KROLL INITIAL Credit Grade** | **KROLL FINAL Credit Grade** | **KROLL INITIAL Property Grade** | **KROLL FINAL Property Grade** | **MOODY's INITIAL Credit Grade** | **MOODY's FINAL Credit Grade** | **MOODY's INITIAL Property Grade** | **MOODY's FINAL Property Grade** | **S&P INITIAL Credit Grade** | **S&P FINAL Credit Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| 82386615 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 19046639 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 70508301 | xx | xx | xx | Virginia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 4485917 | xx | xx | xx | Rhode Island | xx | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 96449461 | xx | xx | xx | Texas | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 24881010 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 91356877 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 23839692 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 26941205 | xx | xx | xx | Georgia | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98061323 | xx | xx | xx | Oregon | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 13890517 | xx | xx | xx | Michigan | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41115391 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 48768965 | xx | xx | xx | Virginia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 84366416 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 45027565 | xx | xx | xx | Ohio | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 17569139 | xx | xx | xx | New Jersey | xx | Primary | Purchase C | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 33963270 | xx | xx | xx | Nevada | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 9262517 | xx | xx | xx | Georgia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 6582954 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 8929549 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55182521 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 64603009 | xx | xx | xx | Nevada | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 19258439 | xx | xx | xx | Arizona | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 5786798 | xx | xx | xx | New Mexico | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 94479263 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 71497699 | xx | xx | xx | Arizona | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 30313602 | xx | xx | xx | Texas | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 77225100 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 71804520 | xx | xx | xx | Massachusetts | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 12084392 | xx | xx | xx | South Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9028061 | xx | xx | xx | North Carolina | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 55368374 | xx | xx | xx | North Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 69926662 | xx | xx | xx | New Mexico | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 99166244 | xx | xx | xx | New Mexico | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 71944012 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 33559824 | xx | xx | xx | Maryland | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 61275875 | xx | xx | xx | Texas | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 25036930 | xx | xx | xx | Nevada | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 8199804 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 22796233 | xx | xx | xx | Minnesota | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32473677 | xx | xx | xx | New Jersey | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 76316004 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9934019 | xx | xx | xx | Idaho | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 58984488 | xx | xx | xx | South Carolina | xx | Investor | Cash Out | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 78462575 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 75740516 | xx | xx | xx | Arkansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 74318177 | xx | xx | xx | Tennessee | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 80184030 | xx | xx | xx | New Jersey | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 56079325 | xx | xx | xx | Texas | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 59215508 | xx | xx | xx | Arizona | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 77637159 | xx | xx | xx | Ohio | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 72125483 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 44401410 | xx | xx | xx | Minnesota | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 66326511 | xx | xx | xx | Alabama | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 30485245 | xx | xx | xx | Illinois | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55099549 | xx | xx | xx | Oregon | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 90967991 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 30108614 | xx | xx | xx | Maryland | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40143236 | xx | xx | xx | Tennessee | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 63035471 | xx | xx | xx | Georgia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 88044340 | xx | xx | xx | Louisiana | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 9815568 | xx | xx | xx | Louisiana | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 19485278 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 14390052 | xx | xx | xx | Indiana | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45280327 | xx | xx | xx | Texas | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4756330 | xx | xx | xx | New York | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 47276638 | xx | xx | xx | Missouri | xx | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 45228569 | xx | xx | xx | New Jersey | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 34199967 | xx | xx | xx | North Carolina | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 1869649 | xx | xx | xx | Maryland | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 15343991 | xx | xx | xx | Florida | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 18451842 | xx | xx | xx | Oklahoma | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 53436338 | xx | xx | xx | North Carolina | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 82773140 | xx | xx | xx | Washington | xx | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8746351 | xx | xx | xx | North Carolina | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 30873446 | xx | xx | xx | New York | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 68759559 | xx | xx | xx | New York | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 71692151 | xx | xx | xx | Alabama | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 84328203 | xx | xx | xx | Minnesota | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9829606 | xx | xx | xx | New York | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83570604 | xx | xx | xx | Texas | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 81450956 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 16424200 | xx | xx | xx | Alaska | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4372439 | xx | xx | xx | New Jersey | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 13660688 | xx | xx | xx | Virginia | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 17767574 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 38797265 | xx | xx | xx | Arizona | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17822296 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 76334320 | xx | xx | xx | California | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25970676 | xx | xx | xx | Arizona | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 67574792 | xx | xx | xx | Florida | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17983465 | xx | xx | xx | Florida | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 57980477 | xx | xx | xx | Illinois | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 2227988 | xx | xx | xx | Illinois | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17421034 | xx | xx | xx | Virginia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 13103267 | xx | xx | xx | California | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 34418502 | xx | xx | xx | Florida | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 83011583 | xx | xx | xx | Rhode Island | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 63828791 | xx | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42803122 | xx | xx | xx | California | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 20256789 | xx | xx | xx | South Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 80330729 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46747197 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 36268592 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 96600794 | xx | xx | xx | Illinois | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 59597084 | xx | xx | xx | Indiana | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 85797939 | xx | xx | xx | Ohio | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4829743 | xx | xx | xx | Texas | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 302205 | xx | xx | xx | South Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55105991 | xx | xx | xx | North Carolina | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 98697860 | xx | xx | xx | Connecticut | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 36397772 | xx | xx | xx | Maryland | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 5034265 | xx | xx | xx | Idaho | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 59573688 | xx | xx | xx | Virginia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 93237870 | xx | xx | xx | Virginia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 76330573 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34334076 | xx | xx | xx | Illinois | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 82865174 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 63259446 | xx | xx | xx | Florida | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 40596654 | xx | xx | xx | Arizona | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 28752985 | xx | xx | xx | Texas | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 22521560 | xx | xx | xx | Illinois | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 25689997 | xx | xx | xx | Indiana | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 27181856 | xx | xx | xx | Oklahoma | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 8092825 | xx | xx | xx | Tennessee | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 6781910 | xx | xx | xx | Indiana | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4221534 | xx | xx | xx | Indiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 3575549 | xx | xx | xx | Indiana | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 26167855 | xx | xx | xx | Indiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34895626 | xx | xx | xx | Virginia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 72458494 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 31180845 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 38252994 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 95863165 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 27876923 | xx | xx | xx | Colorado | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 95178369 | xx | xx | xx | Florida | xx | Investor | Purchase C | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 58331773 | xx | xx | xx | Wyoming | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 97127134 | xx | xx | xx | Michigan | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41487655 | xx | xx | xx | Massachusetts | xx | Secondary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 30760108 | xx | xx | xx | Florida | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 52989752 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 24993785 | xx | xx | xx | California | xx | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60769179 | xx | xx | xx | Texas | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 36395851 | xx | xx | xx | Indiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 47152150 | xx | xx | xx | Florida | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 17276440 | xx | xx | xx | California | xx | Investor | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34870421 | xx | xx | xx | Louisiana | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 94536253 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46062353 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 71599809 | xx | xx | xx | Washington | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 37386818 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 53361066 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 3979185 | xx | xx | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50578228 | xx | xx | xx | Florida | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96163802 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 79278659 | xx | xx | xx | Alabama | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 2597184 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 33499576 | xx | xx | xx | Oregon | xx | Investor | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 21224248 | xx | xx | xx | Washington | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 20480832 | xx | xx | xx | California |  | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 47258801 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 2852278 | xx | xx | xx | Kansas | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 5535327 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34576415 | xx | xx | xx | Florida | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 62108225 | xx | xx | xx | Iowa | xx | Investor | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 81192067 | xx | xx | xx | Oregon | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 73820180 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 58377242 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9210883 | xx | xx | xx | Washington | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 58826205 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 99569100 | xx | xx | xx | North Carolina | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 28496339 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 62935259 | xx | xx | xx | Washington | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 394512 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 45538506 | xx | xx | xx | Alabama | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 52738924 | xx | xx | xx | Oregon | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 44735680 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 45772514 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 21259273 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 74586557 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 72493827 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 39634485 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 11922486 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 29566173 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 80701347 | xx | xx | xx | Nevada | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 6819520 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 50894788 | xx | xx | xx | Maryland | xx | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 24584376 | xx | xx | xx | Nevada | xx | Secondary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 75695390 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 24172381 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56104384 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 97964342 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 80328187 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 34284320 | xx | xx | xx | Pennsylvania | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 57697507 | xx | xx | xx | Delaware | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 94223861 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 25630917 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 75719483 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 7048553 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 94633607 | xx | xx | xx | Arizona | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 97050073 | xx | xx | xx | California | xx | Investor | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34608317 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 78231867 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 8256852 | xx | xx | xx | Florida | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 87190632 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 42137315 | xx | xx | xx | Washington | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 96260918 | xx | xx | xx | Nebraska | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 42189030 | xx | xx | xx | Minnesota | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 79267194 | xx | xx | xx | Florida | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 64005860 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 34108427 | xx | xx | xx | California | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 7556628 | xx | xx | xx | Florida | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 43188146 | xx | xx | xx | Arizona | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 9146873 | xx | xx | xx | California | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 25914006 | xx | xx | xx | Ohio | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 25648934 | xx | xx | xx | Ohio | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86188944 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 38676747 | xx | xx | xx | Mississippi | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 50767699 | xx | xx | xx | Ohio | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 91436419 | xx | xx | xx | Ohio | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 99226191 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4911545 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56516416 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 58613998 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55933136 | xx | xx | xx | Louisiana | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 51477513 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83907107 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 46562688 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 99610907 | xx | xx | xx | California | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 15463281 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 70148978 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 81197033 | xx | xx | xx | Nevada | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 50075613 | xx | xx | xx | Florida | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 55272471 | xx | xx | xx | Michigan | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 64979710 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 48277821 | xx | xx | xx | Washington | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 36952259 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 38568292 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 29197304 | xx | xx | xx | Washington | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32058555 | xx | xx | xx | California | xx | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 40413439 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 1992661 | xx | xx | xx | Washington | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 65626041 | xx | xx | xx | Arizona | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 36009802 | xx | xx | xx | Florida | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 96766221 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 81847888 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 40498228 | xx | xx | xx | Wisconsin | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 79284646 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 815928 | xx | xx | xx | California | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 78056120 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 88719164 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 11648485 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 2611385 | xx | xx | xx | Alabama | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 86995905 | xx | xx | xx | Nevada | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 16221614 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 93156703 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4860077 | xx | xx | xx | California | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 50823708 | xx | xx | xx | California | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 82537398 | xx | xx | xx | California | xx | Investor | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 35931456 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 13324486 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 91983021 | xx | xx | xx | California | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 77961525 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 12272474 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 60336295 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 79669121 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 80536612 | xx | xx | xx | Ohio |  | Primary | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65277217 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 85709204 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86848781 | xx | xx | xx | Georgia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55716605 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83544557 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 99807243 | xx | xx | xx | Maryland | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 64094256 | xx | xx | xx | California | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 38062979 | xx | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 96679915 | xx | xx | xx | Florida | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32020006 | xx | xx | xx | Montana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 74630224 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 65826055 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 53421014 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86980186 | xx | xx | xx | New Jersey | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 12769266 | xx | xx | xx | South Carolina | xx | Secondary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 8417001 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 61258371 | xx | xx | xx | Oklahoma | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 66526375 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 63475383 | xx | xx | xx | Massachusetts | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 94232383 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86986377 | xx | xx | xx | North Carolina | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5528347 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41762566 | xx | xx | xx | Florida | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 29055654 | xx | xx | xx | Arkansas | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 90161986 | xx | xx | xx | Georgia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56044176 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 78342367 | xx | xx | xx | Arkansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 77247839 | xx | xx | xx | North Carolina | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 64244109 | xx | xx | xx | Missouri | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 17238387 | xx | xx | xx | Indiana | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35116085 | xx | xx | xx | Georgia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 14838865 | xx | xx | xx | Delaware | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 91978989 | xx | xx | xx | Georgia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 68740802 | xx | xx | xx | Illinois | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 41317831 | xx | xx | xx | Arkansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 12439527 | xx | xx | xx | Arkansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 18176606 | xx | xx | xx | Arkansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 49950977 | xx | xx | xx | Wisconsin | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 92831228 | xx | xx | xx | South Carolina | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 66474359 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 8743933 | xx | xx | xx | Virginia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 99378471 | xx | xx | xx | Kentucky | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 1787194 | xx | xx | xx | Louisiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 20834606 | xx | xx | xx | Louisiana | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 6405013 | xx | xx | xx | Indiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 96640536 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83452832 | xx | xx | xx | Oklahoma | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 65698327 | xx | xx | xx | West Virginia | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89772846 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 401565 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 51330448 | xx | xx | xx | Illinois | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 5063961 | xx | xx | xx | Illinois | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 15491810 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 18898780 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 69616575 | xx | xx | xx | Nevada | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 24271587 | xx | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 44303846 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 94901205 | xx | xx | xx | Alabama | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 60385804 | xx | xx | xx | Utah | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 13949657 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 90674752 | xx | xx | xx | Arizona | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 52603335 | xx | xx | xx | Florida | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17234019 | xx | xx | xx | Oklahoma | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 47516190 | xx | xx | xx | North Carolina | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46292364 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32850478 | xx | xx | xx | Mississippi | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 71084221 | xx | xx | xx | North Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 49950710 | xx | xx | xx | Missouri | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41293709 | xx | xx | xx | Colorado | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41045368 | xx | xx | xx | Arizona | xx | Primary | Cash Out | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 92536048 | xx | xx | xx | Arizona | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 36768939 | xx | xx | xx | Washington | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 16858168 | xx | xx | xx | Montana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 49053963 | xx | xx | xx | Arizona | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 21195935 | xx | xx | xx | Nevada | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 77462988 | xx | xx | xx | Arizona | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 3477617 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83736094 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 5455677 | xx | xx | xx | Iowa | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41251746 | xx | xx | xx | Minnesota | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 75986992 | xx | xx | xx | Iowa | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 50594102 | xx | xx | xx | Iowa | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 31022063 | xx | xx | xx | Iowa | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46717272 | xx | xx | xx | Iowa | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 98358476 | xx | xx | xx | Iowa | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 77754664 | xx | xx | xx | Tennessee | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32329675 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 10246667 | xx | xx | xx | Pennsylvania | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 74015349 | xx | xx | xx | California | xx | Secondary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46837956 | xx | xx | xx | Washington | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 40451132 | xx | xx | xx | Utah | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 15945009 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 68515705 | xx | xx | xx | Virginia | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 54801534 | xx | xx | xx | Nevada | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46441850 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 22097608 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41439294 | xx | xx | xx | Florida | xx | Secondary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 22022043 | xx | xx | xx | Missouri | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 40789713 | xx | xx | xx | Florida | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 65924178 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55239769 | xx | xx | xx | Florida | xx | Secondary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 4247583 | xx | xx | xx | Virginia | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 80288853 | xx | xx | xx | Wisconsin | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 6835645 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 94913965 | xx | xx | xx | Alabama | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 23212867 | xx | xx | xx | Arizona | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 5218650 | xx | xx | xx | North Carolina | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 58310618 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 46323688 | xx | xx | xx | Georgia | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 73270125 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 68624698 | xx | xx | xx | Minnesota | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 28352723 | xx | xx | xx | Nevada | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 7913331 | xx | xx | xx | Wyoming | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 54708257 | xx | xx | xx | Utah | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 80566423 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 17175362 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 75794967 | xx | xx | xx | South Carolina | xx | Investor | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 13604611 | xx | xx | xx | California | xx | Primary | Purchase C | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 53602025 | xx | xx | xx | Ohio | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32171506 | xx | xx | xx | Ohio | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 62649904 | xx | xx | xx | Ohio | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86261172 | xx | xx | xx | Missouri | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 53967757 | xx | xx | xx | North Carolina | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32956785 | xx | xx | xx | Minnesota | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 40690912 | xx | xx | xx | Georgia | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46470277 | xx | xx | xx | Georgia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 17313957 | xx | xx | xx | Indiana | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 31987780 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 79310651 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 77584712 | xx | xx | xx | Wisconsin | xx | Investor | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 42910196 | xx | xx | xx | California | xx | Secondary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 22815598 | xx | xx | xx | California | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 70312607 | xx | xx | xx | Illinois | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 21540138 | xx | xx | xx | California | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 39908572 | xx | xx | xx | Florida | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 51303575 | xx | xx | xx | Wisconsin | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 31425613 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 44732671 | xx | xx | xx | Illinois | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 22856104 | xx | xx | xx | Maryland | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 38848892 | xx | xx | xx | Massachusetts | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 67869108 | xx | xx | xx | Florida | xx | Investor | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 15285089 | xx | xx | xx | Maryland | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 22761917 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 97281081 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 87485802 | xx | xx | xx | Louisiana | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 90081497 | xx | xx | xx | Louisiana | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 51332118 | xx | xx | xx | Maryland | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 95932408 | xx | xx | xx | Idaho | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 14732409 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 96440105 | xx | xx | xx | Maryland | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 79860356 | xx | xx | xx | Georgia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 50465257 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 79356502 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 10910037 | xx | xx | xx | Illinois | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 93223845 | xx | xx | xx | Florida | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 26653643 | xx | xx | xx | North Carolina | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 19678522 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 39542091 | xx | xx | xx | California | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 75938970 | xx | xx | xx | Michigan | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 118806 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 24571519 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 65468823 | xx | xx | xx | Ohio | xx | Primary | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 27308031 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 1058313 | xx | xx | xx | New York | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 62453417 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 98136908 | xx | xx | xx | Washington | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 28738424 | xx | xx | xx | Virginia | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 69222209 | xx | xx | xx | New Jersey | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 34246642 | xx | xx | xx | Georgia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 66438511 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 36850625 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56083607 | xx | xx | xx | Georgia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 6275428 | xx | xx | xx | Alaska | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 59681442 | xx | xx | xx | Oregon | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 61617647 | xx | xx | xx | Connecticut | xx | Primary | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 63361137 | xx | xx | xx | Ohio | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 41359148 | xx | xx | xx | Indiana | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 26050053 | xx | xx | xx | Illinois | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 24547625 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 67881748 | xx | xx | xx | Tennessee | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 68881334 | xx | xx | xx | Michigan | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86159186 | xx | xx | xx | Ohio | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 45429401 | xx | xx | xx | California | xx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 47065464 | xx | xx | xx | Pennsylvania | xx | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 47546153 | xx | xx | xx | Oregon | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 49486697 | xx | xx | xx | Georgia | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 12706300 | xx | xx | xx | California | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 61099957 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83304542 | xx | xx | xx | Wisconsin | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 46901730 | xx | xx | xx | New Mexico | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 28734684 | xx | xx | xx | Florida | xx | Primary | Purchase C | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 77176974 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 28339815 | xx | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 50413515 | xx | xx | xx | California | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 84710043 | xx | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 34426989 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 75251206 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 51152669 | xx | xx | xx | California | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 85199302 | xx | xx | xx | Hawaii | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 32950271 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 15774298 | xx | xx | xx | New York | xx | Primary | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 32939093 | xx | xx | xx | New York | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14131566 | xx | xx | xx | Ohio | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 419450 | xx | xx | xx | Florida | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 15838732 | xx | xx | xx | California | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56701866 | xx | xx | xx | Colorado | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 11856320 | xx | xx | xx | Texas | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 32901938 | xx | xx | xx | Texas | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 83370889 | xx | xx | xx | Texas | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 75159358 | xx | xx | xx | Massachusetts | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 6777251 | xx | xx | xx | Connecticut | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 52508670 | xx | xx | xx | Virginia | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 76776468 | xx | xx | xx | Georgia | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 58178424 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 28679382 | xx | xx | xx | Arizona | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 23420305 | xx | xx | xx | Arizona | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 30559191 | xx | xx | xx | North Carolina | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 74779343 | xx | xx | xx | New York | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 27873244 | xx | xx | xx | California | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 12551708 | xx | xx | xx | Arizona | xx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 19642333 | xx | xx | xx | Kansas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 31981335 | xx | xx | xx | Kansas | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 92790877 | xx | xx | xx | Washington | xx | Investor | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 7207573 | xx | xx | xx | Alabama | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86998967 | xx | xx | xx | Massachusetts | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 81666721 | xx | xx | xx | Montana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41735239 | xx | xx | xx | Massachusetts | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 2922766 | xx | xx | xx | Florida | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49417057 | xx | xx | xx | Texas | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 67407835 | xx | xx | xx | Michigan | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 69758491 | xx | xx | xx | Colorado | xx | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 1336752 | xx | xx | xx | Oregon | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 47503916 | xx | xx | xx | Michigan | xx | Secondary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 40200834 | xx | xx | xx | Michigan | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 26383609 | xx | xx | xx | Michigan | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 4334042 | xx | xx | xx | Florida | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 44595560 | xx | xx | xx | Texas | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 55366322 | xx | xx | xx | Texas | xx | Primary | Purchase C | Not Applicable C | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 80794033 | xx | xx | xx | Florida | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 22964226 | xx | xx | xx | California | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 59994689 | xx | xx | xx | Florida | xx | Investor | Cash Out B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 90084539 | xx | xx | xx | Ohio | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 53933606 | xx | xx | xx | Texas | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 80463158 | xx | xx | xx | Alabama | xx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 71900439 | xx | xx | xx | Illinois | xx | Primary | Refinance D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 15893415 | xx | xx | xx | Florida | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 88745236 | xx | xx | xx | Colorado | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 62577219 | xx | xx | xx | North Carolina | xx | Primary | Cash Out D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 19253324 | xx | xx | xx | Tennessee | xx | Primary | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 20162960 | xx | xx | xx | Montana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 56192856 | xx | xx | xx | California | xx | Investor | Purchase B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 27631483 | xx | xx | xx | Louisiana | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 40716085 | xx | xx | xx | Wisconsin | xx | Primary | D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 41207370 | xx | xx | xx | Pennsylvania | xx | Primary | Refinance B | Not Applicable B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 97617154 | xx | xx | xx | Nevada | xx | Primary | Purchase D | Not Applicable D | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | |
|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Delinquent Tax** |
| 1787194 | xx | xx | xx |
| 18451842 | xx | xx | xx |
| 1869649 | xx | xx | xx |
| 24993785 | xx | xx | xx |
| 25914006 | xx | xx | xx |
| 27631483 | xx | xx | xx |
| 31425613 | xx | xx | xx |
| 32020006 | xx | xx | xx |
| 32171506 | xx | xx | xx |
| 32473677 | xx | xx | xx |
| 34199967 | xx | xx | xx |
| 35116085 | xx | xx | xx |
| 38252994 | xx | xx | xx |
| 50823708 | xx | xx | xx |
| 62649904 | xx | xx | xx |
| 73820180 | xx | xx | xx |
| 75251206 | xx | xx | xx |
| 82773140 | xx | xx | xx |
| 83736094 | xx | xx | xx |
| 90084539 | xx | xx | xx |
| 97617154 | xx | xx | xx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total HOA Lien Amount** |
| 8256852 | xx | xx | Florida | xx |
| 45228569 | xx | xx | New Jersey | xx |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Redacted ID** | **Loan #1** | **Loan #2** | **Property State** | **Total Muni and Code Lien Amount** |
| 30108614 | xx | xx | Maryland | xx |
| 81197033 | xx | xx | Nevada | xx |
| 41735239 | xx | xx | Massachusetts | xx |
| 71804520 | xx | xx | Massachusetts | xx |
| 7556628 | xx | xx | Florida | xx |
| 86995905 | xx | xx | Nevada | xx |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**UNITED STATES**

**SECURITY AND EXCHANGE COMMISSION**

Washington, D.C. 20549

FORM ABS DUE DILIGENCE-15E

CERTIFICATE OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES<br> FOR ASSET BACKED-SECURITIES

Pursuant 17 CFR 240.17g-10, this Form must be used by a person providing third-party due diligence services in connection with an asset-backed security to comply with section 15E(s)(4)(B) of the Securities Exchange Act of 1934 requires a person providing the due diligence services to provide a written certification to any nationally recognized statistical rating organization that produces a credit rating to which such due diligence relate.

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

Legal Name: OneDiligence, LLC

Business Name (if Different): OneDiligence, LLC.

Principle Business Address: 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

**Item 2. Identity of the person who paid the person to provide third-party due diligence services**

Legal Name: PRPM 2025-RCF3, LLC (also referred to as "The Requestor" in this form)

Business Name (if Different): N/A

Principle Business Address: 7114 E. Stetson Dr., Suite 250, Scottsdale, Arizona 85251

**Item 3. Credit rating criteria**

If the due diligence performed by the third party is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization, identify the national recognized statistical rating organization and the title and date of the published criteria (more than one nationally recognized statistical rating organization may be identified).

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 26, 2023 |
| DBRS, Inc. | Third-Party Due-Diligence Criteria for U.S. RMBS Transactions, September 08, 2023 |

---

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

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description: (1) the type of assets that were reviewed; (2) the sample size of the assets reviewed; (3) how the sample size was determined and, if applicable, computed; (4) whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted; (5) whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted; (6) whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted; (7) whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted; and (8) any other type of review that was part of the due diligence services conducted by the person executing this Form. This description should be attached to the Form and contain the heading "Item 4." Provide this description regardless of whether the due diligence performed is intended to satisfy the criteria for due diligence published by a nationally recognized statistical rating organization.

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

Provide a summary of the findings and conclusions that resulted from the due diligence services that is sufficiently detailed to provide an understanding of the findings and conclusions that were conveyed to the person identified in Item 2. This summary should be attached to the Form and contain the heading "Item 5."

**CERTIFICATION**

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

Name of Person Identified in Item 1: Alex Goldovsky, CEO OneDiligence, LLC

(Print name of duly authorized person)

---

| | |
|:---|:---|
| Date: | 06/18/2025 |
| Signature: | ![](ex99-3_004.jpg) |

---

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

**Annex #1 to Form ABS Due Diligence 15E**

Item 4. Description of the due diligence services performed

Provide a description of the scope and manner of the due diligence services performed in connection with the review of assets that is sufficiently detailed to provide an understanding of the steps taken in performing the review. Include in the description:

(1) The type of assets that were reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The assets reviewed in this population were one-to-four family residential mortgage loans.

(2) The sample size of the assets reviewed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. The sample consisted of 497 mortgage loans

(3) How the sample size was determined and, if applicable, computed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. OneDiligence, LLC performed the due diligence scope on the full loan population

(4) Whether the accuracy of information or data about the assets provided, directly or indirectly, by the securitizer or originator of the assets was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The accuracy of the information provided by the securitizer was verified through examination of the land records.

(5) Whether the conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 5 is not applicable within scope of review

(6) Whether the value of collateral securing such assets was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Item 6 is not applicable within scope of review

(7) Whether the compliance of the originator of the assets with federal, state, and local laws and regulations was reviewed and, if so, how the review was conducted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; a. Item 7 is not applicable within scope of review

(8) Any other type of review that was part of the due diligence services conducted by the person executing this Form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Please refer to Item 5 of Form ABS Due Diligence 15E.

OneDiligence, LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

![](ex99-3_002.jpg)

**Annex #2 to Form ABS Due Diligence 15E**

Item 5. Summary of findings and conclusions of review

OneDiligence, LLC was engaged by PRPM 2025-RCF3, LLC (The Requestor) as diligence provider to order and review title reports for a population of 497 one-to-four family residential mortgage loans (the "Subject Loans"). As of review date, OneDiligence, LLC has received and reviewed a total of 497 Current Owner searches with up to date title and tax information on each loan. Title Policy was reviewed for any and all loans that had exceptions prior to Subject loan origination as shown in the table attached to this form.

With respect to these 497 loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As set forth in the title reports, the subject mortgage is recorded in the appropriate recording jurisdiction
for all mortgages examined.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. As set forth in the title reports, the subject mortgage is in 1st lien position, with the exception of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 6 mortgage loans for which a clean title policy was issued which did not
take exception to the prior liens/judgments but for which potentially superior post ordination liens/judgments were found of record. For
the purposes of identifying those potentially superior post-origination HOA liens which may not be enforceable due to statutory limitations,
the Client provided a reference citing applicable state statutes. ProTitleUSA has confirmed that the state statutes referenced by Client
are current statutes. ProTitleUSA has applied the effective dates and statutes of limitations referenced by Client without making a legal
determination as to the rights of priorities of a potential lender, investor, or purchaser of interests in real estate and for those mortgage
loans, the total amount of such potentially superior post origination recorded liens/judgments is $5,069.60.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 48 mortgage loans for which potentially superior post origination liens/judgments
were found of record. ProTitleUSA has confirmed that the state statutes referenced by Client are current statutes. ProTitleUSA has applied
the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights of priorities
of a potential lender, investor, or purchaser of interests in real estate and for those mortgage loans, the total amount of such potentially
superior post origination recorded liens/judgments is $1,338,797.77.

Scope for due diligence work:

This limited-scope was for around reviewing the most recent title reports provided by ProTitleUSA, Inc. Based on the title report, we captured the current lien position, potential assignment chain concerns, concerns with recordation and legal ownership; and any current and delinquent taxes.

Based on the searches for these loans, if any issue was identified the client was made aware and has made arrangements to assure the curative action has been taken. Based on the review, it was determined that there were <u>no</u> non-curable significant issues on the mortgaged properties.

Thank you, OneDiligence, LLC

About OneDiligence, LLC,

Legal entity name: OneDiligence, LLC

One Diligence, LLC, a subsidiary of ProTitleUSA, is a rated TPR firm using the latest Machine Learning and Data Extraction technologies which enables experienced underwriters to review loans much faster. With ProTitleUSA's automation and expertise of tax and title reviews, DocSolutionUSA's expertise of recorded documents, notes and title policy reviews, as well as the credit and compliance expertise of One Diligence's underwriting staff, One Diligence, LLC holds a very high standard on reliable, timely, versatile and competent reviews of real estate loans.

OneDiligence LLC - 9550 Regency Square Blvd Suite 906, Jacksonville, FL 32225

---

| | |
|:---|:---|
| ![](ex99-3_003.jpg) | **Exhibit A** |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | &nbsp;&nbsp;TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 1 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 2 | IN | 1 | No | 0 | 1 | No | N/A | No | No | No | No | $- |
| 3 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 4 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 5 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 6 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 7 | AR | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 8 | FL | 2 | No | 0 | 0 | No | N/A | No | Yes | No | No | $- |
| 9 | OH | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 10 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 11 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 12 | NY | 2 | No | 1 | 7 | No | N/A | Yes | Yes | No | Yes-16 | $- |
| 13 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-5 | $3155.27 |
| 14 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 15 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 16 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 17 | WV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 18 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 19 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 20 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | Yes-1 | $- |
| 21 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 22 | NJ | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-1 | $1834.21 |
| 23 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 24 | PA | 2 | No | 0 | 0 | No | N/A | No | Yes | No | No | $- |
| 25 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 26 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 27 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 28 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 29 | IN | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 30 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 31 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 32 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 33 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 34 | AZ | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 35 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 36 | RI | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 37 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 38 | VA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $538.1 |
| 39 | IL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 40 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 41 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 42 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 43 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 44 | NV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 45 | MD | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 46 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | Yes-1 | $- |
| 47 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-2 | $- |
| 48 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 49 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 50 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 51 | CT | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 52 | FL | 1 | No | 0 | 1 | No | N/A | Yes | Yes | Yes | No | $- |
| 53 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 54 | IN | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 55 | OH | 1 | No | 0 | 2 | No | N/A | No | No | No | No | $- |
| 56 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 57 | DE | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 58 | NV | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-11 | $- |
| 59 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 60 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 61 | IN | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | Yes-1 | $- |
| 62 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 63 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 64 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 65 | ID | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 66 | NV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 67 | NV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 68 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 69 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 70 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 71 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 72 | ND | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 73 | AZ | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 74 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 75 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 76 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 77 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 78 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-2 | $- |
| 79 | NM | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 80 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 81 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 82 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 83 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 84 | WV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 85 | OR | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 86 | GA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | Yes | No | $15.44 |
| 87 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 88 | FL | 2 | No | 0 | 0 | No | N/A | No | Yes | No | No | $- |
| 89 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 90 | CA | 1 | No | 0 | 1 | No | N/A | No | No | No | No | $- |
| 91 | PA | 2 | No | 1 | 2 | No | N/A | No | Yes | No | Yes-1 | $- |
| 92 | SC | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $102.4 |
| 93 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 94 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 95 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 96 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-2 | $- |
| 97 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 98 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 99 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-9 | $- |
| 100 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 101 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 102 | IL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 103 | MD | 2 | No | 0 | 0 | No | N/A | No | Yes | No | No | $- |
| 104 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 105 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 106 | NY | 1 | No | 0 | 18 | No | N/A | Yes | Yes | No | Yes-23 | $- |
| 107 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 108 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 109 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 110 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 111 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 112 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 113 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 114 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 115 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 116 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 117 | MD | 2 | No | 1 | 4 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 118 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 119 | NY | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-2 | $- |
| 120 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 121 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 122 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 123 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 124 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 125 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 126 | CA | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | Yes-1 | $15520.82 |
| 127 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 128 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 129 | IN | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 130 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 131 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 132 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 133 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 134 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 135 | TX | 1 | No | 0 | 7 | No | N/A | No | Yes | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 136 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 137 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 138 | MA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 139 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 140 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 141 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 142 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 143 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 144 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 145 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 146 | ME | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 147 | NV | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 148 | OH | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $706.26 |
| 149 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 150 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 151 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 152 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 153 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 154 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 155 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 156 | GA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 157 | WA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 158 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 159 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 160 | WI | 2 | No | 1 | 0 | No | N/A | Yes | No | No | Yes-1 | $- |
| 161 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 162 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 163 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 164 | WA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 165 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 166 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 167 | OR | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 168 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 169 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 170 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 171 | NY | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 172 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 173 | FL | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | No | $- |
| 174 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 175 | UT | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 176 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 177 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 178 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 179 | CA | 1 | No | 0 | 1 | No | N/A | No | No | No | No | $- |
| 180 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 181 | NJ | 1 | No | 0 | 4 | No | N/A | No | Yes | No | No | $- |
| 182 | RI | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 183 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 184 | VT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 185 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 186 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 187 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 188 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 189 | AZ | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 190 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 191 | NV | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 192 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 193 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 194 | OK | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 195 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 196 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 197 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 198 | TX | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $- |
| 199 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 200 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 201 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 202 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | Yes-1 | $- |
| 203 | KY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 204 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 205 | NY | 2 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-2 | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 206 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 207 | SC | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $- |
| 208 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 209 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 210 | NY | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 211 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 212 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 213 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 214 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 215 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 216 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 217 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 218 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 219 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 220 | OR | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 221 | OH | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 222 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 223 | CA | 1 | No | 0 | 14 | No | N/A | No | No | No | No | $- |
| 224 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 225 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 226 | CA | 1 | No | 0 | 3 | No | N/A | No | No | No | No | $- |
| 227 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 228 | PA | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-2 | $- |
| 229 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 230 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 231 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 232 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 233 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | Yes | No | $- |
| 234 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 235 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 236 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 237 | OK | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 238 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 239 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 240 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 241 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 242 | KS | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 243 | KY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 244 | MD | 1 | No | 0 | 3 | No | N/A | No | Yes | Yes | No | $- |
| 245 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 246 | RI | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 247 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 248 | NY | 1 | No | 0 | 2 | No | N/A | No | Yes | No | No | $- |
| 249 | NY | 1 | No | 0 | 5 | No | N/A | No | Yes | No | No | $- |
| 250 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 251 | DE | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 252 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 253 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 254 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 255 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 256 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 257 | IN | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | Yes-2 | $- |
| 258 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 259 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 260 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | N/A |
| 261 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 262 | PR | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | N/A |
| 263 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-1 | $- |
| 264 | IL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | Yes | No | $- |
| 265 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 266 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 267 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 268 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 269 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 270 | OR | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 271 | CA | 2 | No | 1 | 2 | No | N/A | No | No | No | No | $- |
| 272 | NJ | 4 | Verify | 3 | 0 | No | N/A | No | Yes | No | No | $- |
| 273 | CO | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 274 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 275 | VA | 1 | No | 0 | 6 | No | N/A | No | No | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 276 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 277 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 278 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 279 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 280 | OR | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 281 | WY | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 282 | NJ | 2 | No | 1 | 1 | No | N/A | No | Yes | No | No | $- |
| 283 | MD | 2 | No | 1 | 2 | No | N/A | No | Yes | No | No | $- |
| 284 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 285 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 286 | UT | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 287 | NJ | 2 | No | 1 | 2 | No | N/A | No | Yes | No | No | $- |
| 288 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 289 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 290 | NJ | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | Yes | No | $- |
| 291 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 292 | NM | 2 | No | 1 | 3 | No | N/A | No | No | No | No | $- |
| 293 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 294 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 295 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 296 | NJ | 2 | No | 1 | 3 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 297 | NJ | 2 | No | 1 | 1 | No | N/A | No | Yes | No | No | $- |
| 298 | PA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 299 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 300 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 301 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 302 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 303 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 304 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 305 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 306 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 307 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 308 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 309 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 310 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 311 | IL | 1 | No | 0 | 1 | No | N/A | No | Yes | No | No | $- |
| 312 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 313 | NH | 2 | No | 1 | 1 | No | N/A | No | Yes | No | No | $- |
| 314 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 315 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 316 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 317 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 318 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 319 | MD | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 320 | WY | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 321 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 322 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 323 | OH | 1 | No | 0 | 2 | No | N/A | Yes | No | No | No | $14.18 |
| 324 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 325 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 326 | NJ | 2 | No | 1 | 2 | No | N/A | No | Yes | No | No | $- |
| 327 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 328 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 329 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 330 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 331 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 332 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 333 | IN | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 334 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 335 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 336 | UT | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 337 | IA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 338 | ID | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 339 | RI | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 340 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 341 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 342 | AZ | 1 | No | 0 | 1 | No | N/A | No | No | No | No | $- |
| 343 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 344 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 345 | GA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 346 | MO | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 347 | NJ | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 348 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 349 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 350 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 351 | GA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 352 | OK | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 353 | OK | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 354 | MD | 2 | No | 1 | 1 | No | N/A | No | Yes | No | No | $- |
| 355 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | N/A |
| 356 | VA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 357 | MA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 358 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 359 | OH | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 360 | PA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 361 | NY | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | Yes-3 | $- |
| 362 | CA | 1 | No | 0 | 1 | No | N/A | No | No | No | No | $- |
| 363 | PA | 1 | No | 0 | 2 | No | N/A | No | Yes | No | No | $- |
| 364 | PA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 365 | OR | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 366 | ND | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 367 | KY | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 368 | PA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 369 | MD | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 370 | VA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 371 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 372 | KS | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 373 | MA | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | No | $1215.49 |
| 374 | IL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 375 | AL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 376 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 377 | MS | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 378 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 379 | WA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 380 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 381 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 382 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | N/A |
| 383 | GA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 384 | OR | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 385 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 386 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 387 | WI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 388 | PA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 389 | IN | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 390 | NM | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 391 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 392 | OR | 1 | No | 0 | 1 | No | N/A | No | Yes | No | No | $- |
| 393 | DE | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 394 | CA | 2 | No | 1 | 2 | No | N/A | No | No | No | No | $- |
| 395 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 396 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 397 | KY | 3 | No | 2 | 0 | No | N/A | Yes | No | No | No | $522.11 |
| 398 | NJ | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 399 | CA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 400 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 401 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 402 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 403 | WA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 404 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 405 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 406 | AZ | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 407 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 408 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 409 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 410 | SC | 2 | No | 1 | 3 | No | N/A | No | No | No | No | $- |
| 411 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 412 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 413 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 414 | FL | 1 | No | 0 | 1 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 415 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 416 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 417 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 418 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 419 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 420 | GA | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 421 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 422 | MA | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 423 | AZ | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 424 | PA | 1 | No | 0 | 1 | No | N/A | No | Yes | No | No | $- |
| 425 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 426 | MN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 427 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 428 | IL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 429 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 430 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 431 | MN | 2 | No | 1 | 2 | No | N/A | No | Yes | No | No | $- |
| 432 | MN | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 433 | MN | 2 | No | 1 | 0 | No | N/A | Yes | Yes | No | No | $2237.88 |
| 434 | SC | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 435 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 436 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 437 | CT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 438 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 439 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 440 | IL | 1 | No | 0 | 1 | No | N/A | No | Yes | No | No | $- |
| 441 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 442 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 443 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 444 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 445 | ID | 1 | No | 0 | 0 | N/A | N/A | Yes | No | No | No | $508.71 |
| 446 | CT | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 447 | KY | 2 | No | 1 | 0 | No | N/A | No | No | No | No | $- |
| 448 | FL | 2 | No | 1 | 0 | No | N/A | No | Yes | No | No | $- |
| 449 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 450 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 451 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 452 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 453 | LA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 454 | NJ | 2 | No | 1 | 3 | No | N/A | Yes | Yes | No | No | $1933.40 |
| 455 | DE | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 456 | MD | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 457 | AL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 458 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 459 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 460 | MI | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 461 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 462 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 463 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 464 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 465 | FL | 1 | No | 0 | 0 | N/A | N/A | Yes | Yes | No | No | $4745.63 |
| 466 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 467 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 468 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 469 | NC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 470 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 471 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 472 | CA | 1 | No | 0 | 3 | No | N/A | No | No | No | No | $- |
| 473 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 474 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 475 | NJ | 1 | No | 0 | 1 | No | N/A | No | Yes | No | No | $- |
| 476 | GA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 477 | TN | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 478 | RI | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | Yes-1 | $- |
| 479 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 480 | MO | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 481 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 482 | PA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 483 | NJ | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 484 | MA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 485 | AZ | 1 | No | 0 | 2 | No | N/A | No | No | No | No | $- |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan # | State | &nbsp;&nbsp;MTG Lien Position | MTG Released? | Count of <br> Pre- <br> Origination <br> MTG Liens | Count of <br> Pre- <br> Origination <br> Non-MTG <br> Liens | TPOL Reviewed? | TPOL <br> Exception <br> to Pre- <br> Origination <br> MTG/Non- <br> MTG Liens? | Post- <br> Origination <br> Non-MTG <br> Liens <br> (Yes/No) | Superlien <br> State? <br> (Yes/No) | HOA <br> Lien? | Muni <br> Lien? | &nbsp;&nbsp;Delinquent Tax Amount |
| 486 | IL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 487 | SC | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 488 | WA | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 489 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 490 | TX | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 491 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 492 | NY | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 493 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 494 | NJ | 1 | No | 0 | 3 | No | N/A | Yes | Yes | No | Yes-1 | $- |
| 495 | CA | 1 | No | 0 | 0 | N/A | N/A | No | No | No | No | $- |
| 496 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |
| 497 | FL | 1 | No | 0 | 0 | N/A | N/A | No | Yes | No | No | $- |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ![](ex99-3sch1_001.jpg) | &nbsp;&nbsp; ![](ex99-3sch1_001.jpg) | &nbsp;&nbsp; ![](ex99-3sch1_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Loan#** | **Order#** | **Deal ID** | **Review Date** | **Note Date** | **Original Loan Amount** | **State** | **Expected MTG Lien Position** | **Pre-Origination Findings** | **MTG Lien Position** | **MTG Released?** | **Count of Pre-Origination MTG Liens** | **Total Dollar Amount of Pre-Origination MTG Lien(s)** | **Count of Pre-Origination Non-MTG Liens** | **Total Dollar Amount of Pre-Origination Non-MTG Lien(s)** | **TPOL Review Needed?** | **TPOL Reviewed?** | **TPOL Exception to Pre-Origination MTG/Non-MTG Liens?** | **Specific TPOL Exceptions** | **Post-Origination Non-MTG Liens (Yes/No)** | **Superlien State? (Yes/No)** | **HOA Lien?** | **HOA Amount** | **Muni Lien?** | **Muni Amount** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 | Judgment; XX Recorded: 09/XX/2021, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AR | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 09/XX/1991, Book 15196, Page 964 for XX | 2 | No | 0 | $- | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 | Senior Mortgage; XX, Recorded on 02/XX/2020, Book 1815, Page 3099 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | Senior Mortgage; XX, Recorded on 11/XX/2021, Instrument# XX for 900,000.00; Sidewalk Lien; XX, Recorded: 07/XX/2006, Lien Amount: 0.00; DOB Violation; xx, Recorded: 06/XX/2015, Lien Amount: 0.00; DOB Violation; xx, Recorded: 04/XX/2015, Lien Amount: 0.00; DOB Violation; NYC Department of Buildings, Recorded: 03/XX/2015, Lien Amount: 0.00; DOB Violation; xx, Recorded: 11/XX/2014, Lien Amount: 0.00; DOB Violation; xx, Recorded: 12/XX/2005, Lien Amount: 0.00; 12 DOB Violations before mortgage; NYC Department of Buildings, Recorded: 01/XX/2006, Lien Amount: 0.00 | 2 | No | 1 | XX | 7 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-16 | XX |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-5 | XX |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | Yes-1 | $- |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Contract Dispute;XXC, Recorded: 08/XX/2008, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage;XX., Recorded on 02/XX/1978, Book 55, Page 151 for XX | 2 | No | 0 | $- | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 | Senior Mortgage; ZZ, Recorded on 03/XX/2018, Instrument# XX for ZZ | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage;ZZ, HUSBAND AND WIFE AS JOINT TENANTS, Recorded on 01/XX/1999, Book 1573, Page 0656 for ZZ | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | RI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Tax Sale; ZZ Recorded: 01/XX/2016, Lien Amount: 0.00 | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | Yes-1 | $- |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Final Judgement (Case No. 2ZZ<br> additional filings included); ZZ, Recorded: 04/XX/2016, Lien Amount: ZZ | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | Yes | XX | No | $- |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 | State of Ohio CJ; State of Ohio, Recorded: 06/XX/2016, Lien Amount: XX; State of Ohio CJ; State of Ohio, Recorded: 06/XX/2016, Lien Amount: XX | 1 | No | 0 | $- | 2 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DE | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-11 | XX |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | Yes-1 | XX |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ID | 1 | Senior Mortgage; XX., Recorded on 03/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ND | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 75 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 76 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 77 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 78 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 79 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NM | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 80 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 81 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 82 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 83 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 84 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 85 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 86 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | Yes | XX | No | $- |
| 87 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 88 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, a corporation, Recorded on 11/XX/2003, Book 11485, Page 1510 for XX | 2 | No | 0 | $- | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 89 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 90 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | ABSTRACT OF JUDGMENT-CIVIL AND SMALL CLAIMS; XX, Recorded: 05/XX/2017, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 91 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX, Recorded on 03/XX/2016, Instrument# X for 320,648.00; Judgment; XX City of Tax and Enforcement Office, Recorded: 03/XX/2021, Lien Amount: XX; Judgment; XX, Recorded: 09/XX/2022, Lien Amount: XX | 2 | No | 1 | XX | 2 | XX | Yes | No | N/A | N/A | No | Yes | No | $- | Yes-1 | $- |
| 92 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 93 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 94 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 95 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 96 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 97 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 98 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 99 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-9 | XX |
| 100 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 101 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 102 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 | Senior Mortgage; XX, Recorded on 08/XX/2003, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 103 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage; XX, Recorded on 05/XX/1984, Book 221, Page 705 for XX | 2 | No | 0 | $- | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 104 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX Recorded on 09/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 105 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 106 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | ECB Violation by Address; ECB, Recorded: 07/XX/2021, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 01/XX/2020, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 01/XX/2020, Lien Amount: XX CODE ENFORCEMENT; DOB, Recorded: 01/XX/2020, Lien Amount: XX; CODE ENFORCEMENT; DOB, Recorded: 05/XX/2021, Lien Amount: XX ECB Violation by Address; ECB, Recorded: 01/XX/2020, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 03/XX/2020, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 11/XX/2021, Lien Amount: XX CODE ENFORCEMENT; DOB, Recorded: 01/XX/2020, Lien Amount: XXCODE ENFORCEMENT; DOB, Recorded: 02/XX/2021, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 07/XX/2011, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 07/XX/2011, Lien Amount:XX; ECB Violation by Address; ECB, Recorded: 01/XX/2013, Lien Amount: 600.00; ECB Violation by Address; ECB, Recorded: 02/XX/2013, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 07/XX/2014, Lien Amount: XX; ECB Violation by Address; ECB, Recorded: 07/XX/2014, Lien Amount: XX; CODE ENFORCEMENT; DOB, Recorded: 09/XX/2019, Lien Amount: XX ECB Violation by Address; ECB, Recorded: 11/XX/2019, Lien Amount:XX | 1 | No | 0 | $- | 18 | XX | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-23 | XX |
| 107 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 108 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 109 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 110 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 111 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 112 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 113 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 114 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 115 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 116 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 117 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage; The Secretary of Housing and Urban Development, Recorded on 04/XX/2022, Book 47578, Page 592 for XX; Judgment; XX, Recorded: 05/XX/2013, Lien Amount: 1XX; Judgment; XX Recorded: 09/XX/2013, Lien Amount: XX; Judgment - State Tax Lien; State of Maryland, Recorded: 03/XX/2016, Lien Amount: XX; Judgment; XX, Recorded: 10/XX/2021, Lien Amount:XX | 2 | No | 1 | XX | 4 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 118 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 119 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | SIDEWALK LIEN (AMOUNT IS UNAVAILABLE); XX, Recorded: 10/XX/1990, Lien Amount: 0.00 | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 120 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 121 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 122 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 123 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 124 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 125 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 126 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | Yes-1 | XX |
| 127 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 128 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 129 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 130 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 131 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 132 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 133 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 134 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 135 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 | Notice of Child Support Lien; XX, Recorded: 07/XX/2005, Lien Amount: 4XX; Notice of Child Support Lien; XX, Recorded: 07/XX/2005, Lien Amount: XX; Notice of Child Support Lien; VXX, Recorded: 08/XX/2005, Lien Amount: XX; Notice of Child Support Lien; XX Recorded: 03/XX/2009, Lien Amount: XX; Notice of Child Support Lien; XX, Recorded: 06/XX/2009, Lien Amount: XX; Notice of Child Support Lien; XX, Recorded: 08/XX/2009, Lien Amount: XX; Notice of Child Support Lien; XX, Recorded: 11/XX/2009, Lien Amount:XX | 1 | No | 0 | $- | 7 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 136 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 137 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 138 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 139 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 140 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 141 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 142 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 143 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 144 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 145 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 146 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ME | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 147 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 148 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 149 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 150 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 151 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XXRecorded on 04/XX/2007, Instrument#XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 152 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 153 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 154 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 155 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 156 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 | Senior Mortgage; XX, Recorded on 06/XX/2005, Book 1707, Page 289 forXX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 157 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 | Senior Mortgage; XX, Recorded on 12/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 158 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 159 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 160 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 | Senior Mortgage; XX, Recorded on 07/XX/2004, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | No | No | $- | Yes-1 | XX |
| 161 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 162 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 163 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 164 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 | Senior Mortgage; XX, Recorded on 06/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 165 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 166 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 167 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | Senior Mortgage; XX, Recorded on 07/XX/2013, Instrument# XX forXX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 168 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 169 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 170 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 171 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | Senior Mortgage; XX (DE), Recorded on 06/XX/2005, Book 13230, Page 1209 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 172 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 173 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Re-Recorded Final Judgment (Case No. XX- additional filings included);XX, Recorded: 12/XX/2015, Lien Amount:XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 174 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 175 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | UT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 176 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 177 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 178 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 179 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | ABSTRACT OF JUDGMENT; XX, Recorded: 06/XX/2019, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 180 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 181 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Judgment; Dept of Labor, Recorded: 01/XX/2006, Lien Amount: XX Judgment; Div of Employer Accounts, Recorded: 11/XX/2006, Lien Amount: XX; Judgment; XX, Recorded: 01/XX/2017, Lien Amount:XX; Contract Dispute; XX, Recorded: 07/XX/2017, Lien Amount: XX | 1 | No | 0 | $- | 4 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 182 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | RI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 183 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 184 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 185 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 186 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 187 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 188 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 189 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 190 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 09/XX/2013, Book 26335, Page 517 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 191 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NV | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 192 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 193 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 194 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 | Senior Mortgage; XX, Recorded on 01/XX/2001, Book 2402, Page 576 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 195 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 196 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 197 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 198 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 199 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 200 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 201 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 202 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | Yes-1 | $- |
| 203 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 204 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 205 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | Senior Mortgage; XX Recorded on 05/XX/2002, Book 6351, Page 107 for XX; DOB ECB Violation; NXX, Recorded: 09/XX/2002, Lien Amount: XX | 2 | No | 0 | $- | 1 | XX | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 206 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 207 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 208 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 209 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 210 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | LIS PENDENS; XX, Recorded: 02/XX/1991, Lien Amount: 0.00 | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 211 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 212 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 213 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 214 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 215 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 216 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 217 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 218 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 219 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 220 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 221 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 222 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 223 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | APPLICATION FOR AND RENEWAL OF JUDGMENT; XX, Recorded: 01/XX/2017, Lien Amount:XX; ABSTRACT OF JUDGMENT - CIVIL AND SMALL CLAIMS; XX Recorded: 04/XX/2017, Lien Amount: XX; CERTIFICATE OF TAX LIEN; XX. TAX COLLECTOR of the County of XX, State of California, Recorded: 07/XX/2020, Lien Amount: XX; CERTIFICATE OF TAX LIEN; XX. TAX COLLECTOR of the County of XX State of California, Recorded: 07/XX/2020, Lien Amount: XXCERTIFICATE OF TAX LIEN; XX TAX COLLECTOR of the County of XX, State of California, Recorded: 07/XX/2020, Lien Amount: XX; CERTIFICATE OF TAX LIEN; XX TAX COLLECTOR of the County ofXX, State of California, Recorded: 07/XX/2020, Lien Amount: XX; CERTIFICATE OF TAX LIEN; XX. TAX COLLECTOR of the County of XX, State of California, Recorded: 12/XX/2020, Lien Amount: XX; CERTIFICATE OF TAX LIEN; XX TAX COLLECTOR of the County of XX, State of California, Recorded: 11/XX/2016, Lien Amount: 8XX; ABSTRACT OF JUDGMENT; XX, Recorded: 03/XX/2017, Lien Amount: XX CERTIFICATE OF TAX LIEN; JXX, TAX COLLECTOR of the County of XX, State of California, Recorded: 09/XX/2017, Lien Amount:XX; CERTIFICATE OF TAX LIEN; JXX, TAX COLLECTOR of the County of XX, State of California, Recorded: 09/XX/2018, Lien Amount:xxCERTIFICATE OF TAX LIEN; XX, ACTING TAX COLLECTOR of the County of XX, State of California, Recorded: 09/XX/2019, Lien Amount: xx CERTIFICATE OF TAX LIEN; XX, ACTING TAX COLLECTOR of the County of XX, State of California, Recorded: 11/XX/2019, Lien Amount: 1xx; ABSTRACT OF JUDGMENT - CIVIL AND SMALL CLAIMS; xx, Recorded: 10/XX/2020, Lien Amount: xx | 1 | No | 0 | $- | 14 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 224 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 225 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 226 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | ABSTRACT OF JUDGMENT; xxRecorded: 07/XX/2015, Lien Amount: xx; Notice of Federal Tax Lien; Department of the Treasury â€" Internal Revenue Service, Recorded: 09/XX/2019, Lien Amount: 1xx; CERTIFICATE OF LIEN; xx, Recorded: 06/XX/2022, Lien Amount: xx | 1 | No | 0 | $- | 3 | XX | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 227 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 228 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-2 | XX |
| 229 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 230 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 231 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 232 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 233 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | Yes | XX | No | $- |
| 234 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 235 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 236 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 237 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 238 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 239 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 240 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 241 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 242 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KS | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 243 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 244 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Statement of Lien; xx, Recorded: 01/XX/2014, Lien Amount: xx State Tax Lien; State of Maryland, Recorded: 07/XX/2016, Lien Amount: 1xx State Tax Lien; State of Maryland, Recorded: 09/XX/2019, Lien Amount: xx | 1 | No | 0 | $- | 3 | XX | Yes | No | N/A | N/A | No | Yes | Yes | $- | No | $- |
| 245 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 246 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | RI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 247 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 248 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | JUDGMENT; CLERK OF THE xx COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 11/XX/2017, Lien Amount: xx; TRANSCRIPT OF JUDGMENT; xx, Recorded: 06/XX/2019, Lien Amount: xx | 1 | No | 0 | $- | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 249 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 | Judgment; CLERK OF THE x COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 07/XX/2015, Lien Amount: XX; Judgment; CLERK OF THE XX COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 10/XX/2015, Lien Amount: XX Judgment; CLERK OF THE XX COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 11/XX/2015, Lien Amount: XX; Judgment; CLERK OF THE X COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 11/XX/2015, Lien Amount: XX; Judgment; CLERK OF THE XX COUNTY TRAFFIC & PARKING VIOLATIONS AGENCY, Recorded: 11/XX/2015, Lien Amount: XX | 1 | No | 0 | $- | 5 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 250 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 251 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DE | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 252 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 253 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 254 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 255 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 256 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 257 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | Yes-2 | XX |
| 258 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 259 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 260 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 261 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 262 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PR | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 263 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 264 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | Yes | XX | No | $- |
| 265 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 266 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 267 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 268 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 269 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 270 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | Senior Mortgage;XX, Recorded on 11/XX/2016, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 271 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 12/XX/2014, Instrument# XX for 290,143.00; ABSTRACT OF JUDGMENT; XX Recorded: 01/XX/2016, Lien Amount: XX; APPLICATION FOR AND RENEWAL OF JUDGMENT; XX Recorded: 04/XX/2017, Lien Amount: XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 272 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/1995, Book 9107, Page 637 for XX Senior Mortgage; XX, Recorded on 05/XX/1997, Book 9418, Page 598 for 12,000.00; Senior Mortgage; XX, Recorded on 07/XX/2021, Book 4290, Page 592 for XX | 4 | Verify | 3 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 273 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 274 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 275 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 | ABSTRACT OF JUDGMENT; XX, Recorded: 11/XX/2007, Lien Amount: 1XX FINAL ORDER; XX Recorded: 06/XX/2009, Lien Amount: XX; ABSTRACT OF JUDGMENT; XX, Recorded: 08/XX/2009, Lien Amount: 9XX ABSTRACT OF JUDGMENT; XX AS SUCCESSOR IN INTEREST, Recorded: 09/XX/2013, Lien Amount: XX; WARRANT IN DEBT; XX, Recorded: 07/XX/2017, Lien Amount: XX FINAL ORDER; ON XX, Recorded: 06/XX/2022, Lien Amount: XX | 1 | No | 0 | $- | 6 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 276 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 277 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage;XX, Recorded on 12/XX/2021, Book 18830, Page 1290 for 154,293.00 | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 278 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 11/XX/2021, Book 13575, Page 5423 for xx | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 279 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 280 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | Senior Mortgage; XX, Recorded on 05/XX/2021, Instrument# XX for xx | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 281 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WY | 1 | Senior Mortgage; XX, a Delaware Limited Liability Company, Recorded on 04/XX/2020, Instrument# xx for xx | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 282 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage;xx., Recorded on 11/XX/2020, Book 3824, Page 1255 for xx; Contract Dispute; Cxx, Recorded: 03/XX/2021, Lien Amount: xx | 2 | No | 1 | XX | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 283 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage;XX, Recorded on 03/XX/2017, Book 39285, Page 445 for XX; Right of Redemption; XX, Recorded: 01/XX/2016, Lien Amount: 0.00; Judgment; XX, Recorded: 10/XX/2016, Lien Amount: XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 284 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 285 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 286 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | UT | 1 | Senior Mortgage; XX Recorded on 12/XX/2020, Book 2213, Page 1231 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 287 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 11/XX/2019, Book 3408, Page 528 for 276,000.00; Contract Dispute;XX Recorded: 01/XX/2017, Lien Amount: XX; Contract Dispute; XX, Recorded: 01/XX/2018, Lien Amount: XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 288 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 03/XX/2018, Book 7518, Page 1 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 289 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Instrument# XX forXX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 290 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | Yes | $704.30 | No | $- |
| 291 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 05/XX/2020, Instrument#XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 292 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NM | 1 | Senior Mortgage; XX, Recorded on 11/XX/2020, Instrument# X for 225,001.00; Judgment; State of New Mexico, Recorded: 12/XX/2017, Lien Amount: 0.00; JUDGMENT; STATE OF NEW MEXICO (HSD), Recorded: 03/XX/2018, Lien Amount: XX; JUDGMENT;XX., Recorded: 07/XX/2018, Lien Amount: 0.00 | 2 | No | 1 | XX | 3 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 293 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX., Recorded on 04/XX/2021, Book 18409, Page 1435 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 294 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 10/XX/2021, Book 18667, Page 189 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 295 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/2021, Book 4512, Page 1290 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 296 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/2020, Book 13491, Page 3738 forXX; Judgment; Div of UnEmp and Did Ins, Recorded: 01/XX/2010, Lien Amount: XX; Judgment; Div of UnEmp and Did Ins, Recorded: 02/XX/2011, Lien Amount: XX; Judgment; Div of UnEmp and Did Ins, Recorded: 12/XX/2014, Lien Amount: XX | 2 | No | 1 | XX | 3 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 297 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/2017, Book 10782, Page 817 for XX; JUDGMENT; DIV OF TAXATION, Recorded: 07/XX/2005, Lien Amount: XX | 2 | No | 1 | XX | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 298 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX, Recorded on 11/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 299 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 300 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 301 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 302 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 303 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 304 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, an Idaho limited liability company, Recorded on 01/XX/2022, Book 7417, Page 3531 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 305 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 306 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 307 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 308 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 05/XX/2021, Instrument# XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 309 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 310 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 311 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 | Notice of Tax Lien; ILLINOIS DEPARTMENT OF REVENUE, Recorded: 05/XX/2019, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 312 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 313 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NH | 1 | Senior Mortgage; XX, Recorded on 11/XX/2021, Book 9549, Page 259 for XX; WRIT OF EXECUTION; XX, Recorded: 03/XX/2008, Lien Amount: XX | 2 | No | 1 | XX | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 314 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 315 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 06/XX/2021, Book 4180, Page 19 for 5XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 316 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX., Recorded on 01/XX/2021, Book 11609, Page 75 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 317 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Book 5644, Page 1185 forXX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 318 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 319 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage;XX, Recorded on 08/XX/2018, Book 5819, Page 60 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 320 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 321 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 322 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 323 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 | State Tax Lien; State of Ohio Dept of Taxation, Recorded: 09/XX/2013, Lien Amount: 1XX Certificate of Judgment; XX, Recorded: 07/XX/2016, Lien Amount: XX | 1 | No | 0 | $- | 2 | $- | Yes | No | N/A | N/A | Yes | No | No | $- | No | $- |
| 324 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 325 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 12/XX/2016, Book 6389, Page 243 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 326 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage;XX, Recorded on 08/XX/2015, Book 18587, Page 454 for 2XX; Contract Dispute; XX Recorded: 11/XX/2006, Lien Amount: XX; Contract Dispute; XX, Recorded: 05/XX/2008, Lien Amount: 4XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 327 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 09/XX/2021, Book 7387, Page 1299 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 328 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Book 18327, Page 1092 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 329 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 330 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 331 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 332 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 333 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 334 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 335 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 336 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | UT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 337 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 338 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ID | 1 | Senior Mortgage; XX, Recorded on 08/XX/2019, Instrument# 2XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 339 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | RI | 1 | Senior Mortgage; XX, Recorded on 06/XX/2017, Book 8847, Page 76 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 340 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 341 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 09/XX/2023, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 342 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 | Notice and Claim of Lien; XX., Recorded: 03/XX/2021, Lien Amount:XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 343 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 344 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 345 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 | Senior Mortgage; XX., Recorded on 06/XX/2021, Book 05210, Page 72 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 346 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 | Senior Mortgage; PXX, Recorded on 06/XX/2016, Book 7728, Page 76 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 347 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Book 9527, Page 7076 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 348 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 349 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 350 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 351 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 | Senior Mortgage; XX, Recorded on 04/XX/2021, Book 63511, Page 317 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 352 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 | Senior Mortgage; XX, Recorded on 06/XX/2019, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 353 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OK | 1 | Senior Mortgage; XX, Recorded on 10/XX/2021, Book 5384, Page 167 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 354 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage; XX, Recorded on 04/XX/2022, Book 38629, Page 380 for 2XX; UCC Financing Statement; XX, Recorded: 08/XX/2020, Lien Amount: 0.00 | 2 | No | 1 | XX | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 355 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 356 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 357 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 | Senior Mortgage; XX, Recorded on 04/XX/2021, Book 39331, Page 96 for 4XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 358 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 359 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OH | 1 | Senior Mortgage; XX, Recorded on 11/XX/2020, Book 916, Page 4320 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 360 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX, Recorded on 05/XX/2021, Book 2021-1, Page XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 361 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | Yes-3 | XX |
| 362 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | ABSTRACT OF SUPPORT JUDGMENT; COUNTY OF XX, Recorded: 08/XX/2015, Lien Amount: 0.00 | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 363 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Judgment; Commonwealth of PA, Recorded: 12/XX/2019, Lien Amount: XX; Judgment; xx, Recorded: 06/XX/2023, Lien Amount: XX | 1 | No | 0 | $- | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 364 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX, Recorded on 03/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 365 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | Senior Mortgage; XX, Recorded on 04/XX/2022, Instrument# XX for 4XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 366 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ND | 1 | Senior Mortgage; XX, Recorded on 11/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 367 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 | Senior Mortgage; XX, Recorded on 08/XX/2016, Book M254, Page 535 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 368 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX Recorded on 09/XX/2017, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 369 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Book 5632, Page 136 forXX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 370 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | VA | 1 | Senior Mortgage; XX, Recorded on 10/XX/2019, Instrument# X for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 371 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 08/XX/2021, Instrument# XX for 2XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 372 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KS | 1 | Senior Mortgage; XX., Recorded on 07/XX/2021, Book 741, Page 166 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 373 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 | Senior Mortgage; XX, Recorded on 06/XX/2015, Book 53812, Page 111 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 374 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 | Senior Mortgage;XX, Recorded on 12/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 375 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 | Senior Mortgage;XX Recorded on 12/XX/2012, Book 748, Page 755 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 376 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 01/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 377 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MS | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 378 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 01/XX/2022, Book 9574, Page 7646 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 379 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 | Senior Mortgage; XX, Recorded on 10/XX/2017, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 380 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 04/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 381 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 09/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 382 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; AXX, Recorded on 09/XX/2020, Book 5485, Page 531 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 383 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 | Senior Mortgage; XX, Recorded on 06/XX/2017, Book 415, Page 499 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 384 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 385 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 386 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 387 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 388 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | Senior Mortgage; XX, Recorded on 11/XX/2021, Book 15433, Page 2337 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 389 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IN | 1 | Senior Mortgage; XX, Recorded on 12/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 390 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NM | 1 | Senior Mortgage; XX, Recorded on 04/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 391 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX., Recorded on 11/XX/2021, Book 9338, Page 545 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 392 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | OR | 1 | JUDGMENT; State of Oregon, Recorded: 12/XX/2014, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 393 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DE | 1 | Senior Mortgage; XX, Recorded on 12/XX/2018, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 394 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX, Recorded on 12/XX/2019, Instrument# XX for XX; UCC FINANCING STATEMENT; XX, Recorded: 10/XX/2022, Lien Amount: 0.00; ABSTRACT OF JUDGMENT - CIVIL AND SMALL CLAIMS; STATE OF CALIFORNIA, EMPLOYMENT DEVELOPMENT DEPARTMENT, Recorded: 10/XX/2023, Lien Amount: XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 395 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 05/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 396 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 397 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 | Senior Mortgage; XX, Recorded on 04/XX/2022, Book 364, Page 181 for XX Senior Mortgage; XX, Recorded on 05/XX/2023, Book 464, Page 541 for XX | 3 | No | 2 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | No | No | $- | No | $- |
| 398 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Book 18570, Page 32 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 399 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | Senior Mortgage; XX., Recorded on 03/XX/2018, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 400 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Instrument# XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 401 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 03/XX/2021, Book MO 5607, Page 907 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 402 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 403 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 | Senior Mortgage; XX., Recorded on 06/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 404 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 405 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 406 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 | Senior Mortgage; XX, Recorded on 11/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 407 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 02/XX/2018, Book 3700, Page 242 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 408 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage; XX, Recorded on 03/XX/2020, Book 4397, Page 2400 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 409 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 10/XX/2014, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 410 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 03/XX/2014, Book 67, Page 1625 for XX; Notice of State Tax Lien; Department of Revenue, Recorded: 12/XX/2022, Lien Amount: 1XX Notice of State Tax Lien; Department of Revenue, Recorded: 01/XX/2023, Lien Amount: XX; Notice of State Tax Lien; Department of Revenue, Recorded: 08/XX/2023, Lien Amount: XX | 2 | No | 1 | XX | 3 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 411 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 11/XX/2015, Book 1550, Page 163 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 412 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Book 5632, Page 2746 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 413 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 09/XX/2022, Book 625, Page 278 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 414 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | UCC; XX, Recorded: 06/XX/2023, Lien Amount: 0.00 | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 415 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 06/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 416 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 01/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 417 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 09/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 418 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Book RB 19436, Page 241 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 419 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 12/XX/2021, Book 1058, Page 4 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 420 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 | Senior Mortgage; XX., Recorded on 09/XX/2021, Book 3372, Page 16 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 421 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 422 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 | Senior Mortgage; XX, Recorded on 02/XX/2024, Book 25336, Page 197 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 423 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 424 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 | REAL ESTATE TAX LIEN PETITION; CITY OF XX, Recorded: 06/XX/2013, Lien Amount: XX | 1 | No | 0 | $- | 1 | XX | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 425 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 426 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 427 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 428 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 | Senior Mortgage; XX, Recorded on 02/XX/2021, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 429 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 10/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 430 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 03/XX/2020, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 431 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XXk, Recorded on 05/XX/2022, Instrument# XX for XX; State Lien Renewal; State of Minnesota, Recorded: 06/XX/2018, Lien Amount: 3XX State Lien Renewal; State of Minnesota, Recorded: 06/XX/2018, Lien Amount: 3XX | 2 | No | 1 | XX | 2 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 432 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 11/XX/2020, Instrument# X for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 433 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MN | 1 | Senior Mortgage; XX, Recorded on 01/XX/2018, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 434 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 | Senior Mortgage; XX, Recorded on 09/XX/2021, Book 6202, Page 638 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 435 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 436 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 437 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 438 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 439 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage;XX, Recorded on 03/XX/2016, Book 23974, Page 962 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 440 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 | Notice of Tax Lien; ILLINOIS DEPARTMENT OF REVENUE, Recorded: 04/XX/2013, Lien Amount: XX | 1 | No | 0 | $- | 1 | xx | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 441 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 442 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 443 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 444 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 445 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | ID | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | No | No | $- | No | $- |
| 446 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CT | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 447 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | KY | 1 | Senior Mortgage; XX, Recorded on 07/XX/2021, Book M791, Page 542 for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 448 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 | Senior Mortgage;XX a Florida Limited Liability Company, Recorded on 01/XX/2024, Instrument# XX for XX | 2 | No | 1 | XX | 0 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 449 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 450 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 451 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 452 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 453 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | LA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 454 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Senior Mortgage; XX, Recorded on 09/XX/2023, Book 20504, Page 584 for XX; Judgment; CXX, Recorded: 05/XX/2009, Lien Amount: XX; Contract Dispute; XX, Recorded: 04/XX/2021, Lien Amount: XX Judgment; XX, Recorded: 04/XX/2011, Lien Amount: XX | 2 | No | 1 | XX | 3 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 455 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | DE | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 456 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MD | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 457 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 458 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 459 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 460 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 461 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 462 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 463 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 464 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 465 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | Yes | Yes | No | $- | No | $- |
| 466 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 467 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 468 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 469 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 470 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 471 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 472 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 | NOTICE OF STATE TAX LIEN; STATE OF CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT, Recorded: 10/XX/2021, Lien Amount: XX; NOTICE OF STATE TAX LIEN; STATE OF CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT, Recorded: 10/XX/2021, Lien Amount: XX; NOTICE OF STATE TAX LIEN; STATE OF CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT, Recorded: 10/XX/2021, Lien Amount: XX | 1 | No | 0 | $- | 3 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 473 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 474 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 475 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Contract Dispute; NXX Recorded: 07/XX/2018, Lien Amount: XX | 1 | No | 0 | $- | 1 | $- | Yes | No | N/A | N/A | No | Yes | No | $- | No | $- |
| 476 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | GA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 477 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TN | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 478 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | RI | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | Yes-1 | $- |
| 479 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 480 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MO | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 481 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 482 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | PA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 483 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 484 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | MA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 485 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | AZ | 1 | Notice and Claim of Medical Care Lien; XX., Recorded: 03/XX/2024, Lien Amount: XX; Judgment; XX, Recorded: 02/XX/2023, Lien Amount: 6XX | 1 | No | 0 | $- | 2 | $- | Yes | No | N/A | N/A | No | No | No | $- | No | $- |
| 486 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | IL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 487 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | SC | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 488 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | WA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 489 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 490 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | TX | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 491 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 492 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NY | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 493 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 494 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | NJ | 1 | Judgment; XX Recorded: 09/XX/2012, Lien Amount: 6XXContract Dispute; XX Recorded: 07/XX/2013, Lien Amount: XX; Contract Dispute; XX, Recorded: 02/XX/2015, Lien Amount: XX | 1 | No | 0 | $- | 3 | $- | Yes | No | N/A | N/A | Yes | Yes | No | $- | Yes-1 | XX |
| 495 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | CA | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | No | No | $- | No | $- |
| 496 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |
| 497 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | FL | 1 |  | 1 | No | 0 | $- | 0 | $- | No | N/A | N/A | N/A | No | Yes | No | $- | No | $- |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-3sch2_001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-3sch2_001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;![https:\|\|onediligence.com\|img\|logo.png](ex99-3sch2_001.jpg) |  |  |  |  |  |  |
| **Client Ln#** | **Order#** | **Deal ID** | **Review Date** | **Parcel** | **Tax Cert Delinquency?** | **Tax Lien Amount** | **Delinquent Tax Amount** | **Amount Good Through Date** |
| 1 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 2 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 3 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 4 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 5 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 6 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 7 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 8 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 9 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 10 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 11 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 12 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 3/27/2025 |
| 13 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $3155.27 | 3/27/2025 |
| 14 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 15 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 16 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 17 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 18 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 19 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 20 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 21 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 22 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $1834.21 | 5/31/2025 |
| 23 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 24 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 25 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 26 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 27 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 28 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 29 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 30 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 31 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 32 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 33 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 34 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 35 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 36 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $4070.59 | $- | N/A |
| 37 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 38 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $538.16 | 6/30/2025 |
| 39 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 40 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 41 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 42 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 43 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 44 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 45 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $- | $- | N/A |
| 46 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 47 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/22/2025 |
| 48 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 49 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 50 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 51 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 52 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 53 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 54 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 55 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 56 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 57 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 58 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 59 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 60 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 61 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 62 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 63 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 64 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 65 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 66 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 67 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 68 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 69 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 70 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 71 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 72 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 73 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 74 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 75 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 76 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 77 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 78 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 79 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 80 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 81 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 82 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 83 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 84 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 85 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 86 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $15.44 | 6/15/2025 |
| 87 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 88 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 89 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 90 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 91 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 92 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $102.42 | 6/30/2025 |
| 93 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 94 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 95 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 96 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 97 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 98 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 99 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 100 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 101 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 102 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 103 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 104 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 105 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 106 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/20/2025 |
| 107 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 108 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 109 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 110 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 111 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 112 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 113 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 114 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 115 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 116 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 117 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 118 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 119 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/20/2025 |
| 120 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 121 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 122 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 123 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 124 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 125 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 126 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $15520.82 | 5/31/2025 |
| 127 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 128 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 129 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 130 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 131 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 132 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 133 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 134 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 135 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 136 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 137 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 138 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 139 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 140 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 141 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 142 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 143 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 144 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 145 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 146 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 147 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 148 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $706.26 | 5/31/2025 |
| 149 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 150 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 151 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 152 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 153 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 154 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 155 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 156 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 157 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 158 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 159 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/31/2025 |
| 160 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 161 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 162 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 163 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 164 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 165 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 166 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 167 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 168 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 169 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 170 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 171 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 172 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 173 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 174 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 175 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 176 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 177 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 178 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 179 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 180 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 181 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 182 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 183 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 184 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 185 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 186 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 187 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 188 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 189 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 190 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 191 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $599.70 | $- | N/A |
| 192 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 193 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 194 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 195 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 196 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $- | $- | N/A |
| 197 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 198 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 199 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 200 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 201 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 202 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 203 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 204 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 205 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 206 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 207 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 208 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 209 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 210 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 211 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 212 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 213 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 214 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 215 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 216 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 217 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 218 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 219 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 220 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 221 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 222 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 223 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 224 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 225 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 226 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 227 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 228 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 229 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 230 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 231 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 232 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 233 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 234 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 235 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 236 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 237 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 238 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 239 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 240 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 241 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 242 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 243 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 244 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 245 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 246 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 247 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 248 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 249 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 250 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 251 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 252 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 253 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 254 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 255 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 256 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 257 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 258 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 259 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 260 | REDACTED | REDACTED | REDACTED | REDACTED | N/A | N/A | N/A | N/A |
| 261 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 262 | REDACTED | REDACTED | REDACTED | REDACTED | N/A | N/A | N/A | N/A |
| 263 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 264 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 265 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 266 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 267 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 268 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 269 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 270 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 271 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 272 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 273 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 274 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 275 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 276 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 277 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 278 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/31/2025 |
| 279 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 280 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 281 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 282 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 283 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 284 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 285 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 286 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 287 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 288 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 289 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 290 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 291 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 292 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 293 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 294 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 295 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 296 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 297 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 298 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 299 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 300 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 301 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 302 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 303 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 304 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 305 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 306 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 307 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 308 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 309 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 310 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 311 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 312 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 313 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 314 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 315 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 316 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 317 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 318 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 319 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 320 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 321 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 322 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 323 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $14.18 | 5/31/2025 |
| 324 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 325 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 326 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 327 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 328 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/31/2025 |
| 329 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 330 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 331 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 332 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 333 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 334 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 335 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 336 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 337 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 338 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 339 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 340 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 341 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 342 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 343 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 344 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 345 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 346 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 347 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/31/2025 |
| 348 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 349 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 350 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 351 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 352 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 353 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 354 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 355 | REDACTED | REDACTED | REDACTED | REDACTED | N/A | N/A | N/A | N/A |
| 356 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 357 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 358 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 359 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 360 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 361 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 362 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 363 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 364 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 365 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 366 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 367 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 368 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 369 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 370 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 371 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 372 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 373 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $1215.49 | 5/31/2025 |
| 374 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 375 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 376 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 377 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 378 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 379 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 380 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 381 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 382 | REDACTED | REDACTED | REDACTED | REDACTED | N/A | N/A | N/A | N/A |
| 383 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 384 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 385 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 386 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 387 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 388 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 389 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 390 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 391 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 392 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 393 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 5/31/2025 |
| 394 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 395 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 396 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 397 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $522.11 | 6/30/2025 |
| 398 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 399 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 400 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 401 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 402 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 403 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 404 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 405 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 406 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 407 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 408 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 409 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 410 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 411 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 412 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 413 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 414 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 415 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 416 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 417 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 418 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 419 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 420 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 421 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 422 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 423 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 424 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $3873.67 | $- | N/A |
| 425 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 426 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 427 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 428 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 429 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 430 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 431 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 432 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 433 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $2237.88 | 5/19/2025 |
| 434 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 435 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 436 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
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| 439 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 440 | REDACTED | REDACTED | REDACTED | REDACTED | Y | $2403.94 | $- | N/A |
| 441 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | 4/30/2025 |
| 442 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 443 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 444 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 445 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $508.71 | 5/31/2025 |
| 446 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 447 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
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| 449 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 450 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 451 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 452 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 453 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 454 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $1933.40 | 5/31/2025 |
| 455 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 456 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 457 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 458 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 459 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 460 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 461 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 462 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 463 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 464 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 465 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $4745.63 | 5/31/2025 |
| 466 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 467 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 468 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
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| 474 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 475 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
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| 482 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 483 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 484 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 485 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 486 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 487 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 488 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 489 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 490 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 491 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 492 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 493 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 494 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 495 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 496 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |
| 497 | REDACTED | REDACTED | REDACTED | REDACTED | N | $- | $- | N/A |

---

## Exhibit 99.4

**Exhibit 99.4**

![A white and black sign Description automatically generated with low confidence](ex99-4_001.jpg)

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

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below on behalf of its client, ("PRPM 2025-RCF3, LLC"). The review included a total of 5 originated residential mortgage loans, in connection with the securitization identified as ("PRPM 2025-RCF3") (the "Securitization"). The review began on February 2022 and concluded on May 2022.

**Scope of Review**

**Credit Review**

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

The credit review will include the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application,
final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to
closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject and all
premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file, if applicable, and coverage was sufficient, and premium
was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required
signatures and NMLS identifiers

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based
on the applicable investor guidelines;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence will review applicable mortgage loans for compliance with the ATR and QM rule requirements
based upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence determines the mortgage
loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, MaxDiligence
notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
MaxDiligence notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

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

(calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, MaxDiligence reviews the mortgage loan to determine whether,
based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above,
MaxDiligence then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined
within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating
it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence reviews the mortgage loan to determine whether, based on available information in the mortgage
loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
to close and required reserves, to Confirm that the borrower has current or reasonably expected income or assets (other than the value
of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to
calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle,
interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association
("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based
upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the
file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any /
all inquiries, and Determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review will include a review of the valuation materials utilized during the origination of the loan
and in confirming the value of the underlying property. MaxDiligence's review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that
is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer
letter from the original lender

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses,
and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property
and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party
valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence
will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) review the relative
comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties
are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable
properties, (c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that the address matched the mortgage
note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying
the Client of same, (iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal
notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which
the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product that was used as
part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products
and if there are discrepancies that could not be resolved, MaxDiligence will create an exception and work with the client on the next
steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions,
and full appraisals. If the property valuation

products included in MaxDiligence's review result in a variance of more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Review will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser
both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry
standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures
were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable
the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

Not Applicable.

**Data Discrepancy**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 100.00% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**Percent of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***5*** |

---

**Event Grade Definitions:**

---

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

---

&nbsp;&nbsp;**Credit Event Grades**

---

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

---

---

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

---

---

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

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | Loan Program | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | Qualifying FICO | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | ARM Lifetime Interest Rate Minimum | XXXXXX | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | Borrower 1 Birthdate | XXXXXX | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 300317 | 1 of 3 | 2022-02-14 17:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  | The loan is in compliance with all applicable laws and regulations.<br> - 02/24/2022<br>|  | 2022-02-24 21:50 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 313047 | 2 of 3 | 2022-03-01 22:03 | Property | Appraisal is Missing | The file is missing the appraisal. The XXXXXX is in file, but the appraisal is missing from the loan file. <br>|  | Document Uploaded. - 03/01/2022<br>| Documentation provided was sufficient. - 03/03/2022<br>|  | 2022-03-03 14:45 | Resolved | 4 | 1 | 4 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 318367 | 3 of 3 | 2022-02-24 21:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  | The loan meets all applicable credit guidelines. - 02/24/2022<br>|  | 2022-02-24 21:49 | Cleared | 1 | 1 | 4 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 357995 | 1 of 3 | 2022-04-13 18:09 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Missing desk review as required per lender guidelines on cash out transaction. <br>|  | Document Uploaded. - 04/13/2022<br>| BPO obtained which supported value. - 04/30/2022<br>|  | 2022-04-30 19:25 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 367781 | 2 of 3 | 2022-03-25 17:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-04-07 13:01 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 381325 | 3 of 3 | 2022-04-04 17:13 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-04-07 13:01 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 404998 | 1 of 3 | 2022-04-15 21:47 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  |  | BPO obtained which supported value. - 05/16/2022<br>|  | 2022-05-16 16:24 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 404999 | 2 of 3 | 2022-04-15 21:47 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-04-29 17:53 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 418043 | 3 of 3 | 2022-04-22 17:15 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-04-26 16:19 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 398712 | 1 of 3 | 2022-04-13 16:13 | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. <br>|  |  | Hazard Insurance Policy was provided. - 05/09/2022<br>|  | 2022-05-23 18:36 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 399345 | 2 of 3 | 2022-04-13 18:27 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  |  | BPO obtained which supported value. - 05/16/2022<br>|  | 2022-05-16 16:37 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 417903 | 3 of 3 | 2022-04-22 16:41 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-04-26 16:23 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 391945 | 1 of 3 | 2022-04-08 20:41 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2022-04-26 16:37 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 393534 | 2 of 3 | 2022-04-11 16:27 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  |  | BPO obtained which supported value. - 05/16/2022<br>|  | 2022-05-16 16:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 425140 | 3 of 3 | 2022-04-27 16:28 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2022-04-29 17:53 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex99-4sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | PRP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | PRPM 2025-RCF3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 06/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 1 | 1 | 4 | 1 | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 75 | 75 |  |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 70 | 70 |  |  |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 57.97 | 57.97 |  |  |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0928 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 75 | 75 | XXXXXX | XXXXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0667 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 74.98 | 74.98 | XXXXXX | XXXXXX |  | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0352 | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Lease |  |  |  |  | XXXXXX | Lease | No | XXXXXX | 1.05x | 1.24 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | No |  | 1 | 1 |  | 36 | Yes | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal |  |  |  |  | XXXXXX | Appraisal | No | XXXXXX |  | 1.25 | XXXXXX |  | XXXXXX | 12 |  | XXXXXX | 12 |  | XXXXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 0 | Yes | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal |  |  |  |  | XXXXXX | Appraisal | No | XXXXXX |  | 1.66 | XXXXXX |  | XXXXXX | 12 |  | XXXXXX | 120 |  | XXXXXX | 24 |  | XXXXXX | 84 |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 |  | 16 | Yes | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal |  |  |  |  | XXXXXX | Appraisal | No | XXXXXX | 1.13 | 1.36 | XXXXXX |  | XXXXXX | 60 |  | XXXXXX | 1 |  | XXXXXX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 |  | 0 | Yes | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | Yes | XXXXXX | XXXXXX | Appraisal |  |  |  |  | XXXXXX | Appraisal | No | XXXXXX | 1.32 | 1.72 | XXXXXX |  | XXXXXX | 1 |  | XXXXXX | 12 |  | XXXXXX | 12 |  | XXXXXX | 12 |  | XXXXXX | 12 |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 26.01 | Yes | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRP-LB VI, LLC ("Client"). The review was conducted between March 2025 and May 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 31 Non-QM loans and 3 ATR-QM exempt loans for A total of 34 loans the "Final Securitization Population".

*<u>Credit Reviews (34):</u>*

During the Review, Selene performed a credit review on 34 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (34)</u>*

During the Review, Selene performed a compliance review, when applicable on 34 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (34):</u>*

During the Review, Selene performed a property valuation review on 34 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (34):</u>*

During the Review, Selene performed a Data Integrity Review on 34 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 34 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

ACC Underwriting Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **15**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis**

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

Page **3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 34 mortgage loans, (ii) a Compliance Review on 34 mortgage loans (iii) a Valuation Review on 34 mortgage loans, and (iv) a Data Integrity Review on 34 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 34 mortgage loans; 29 mortgage loans had a rating grade of A, 5 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | ***Grades per loan (34 overall loans):***<br> **** | ***Grades per loan (34 overall loans):***<br> **** | ***Grades per loan (34 overall loans):***<br> **** | ***Grades per loan (34 overall loans):***<br> **** | ***Grades per loan (34 overall loans):***<br> **** | ***Grades per loan (34 overall loans):***<br> **** | |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;79.41% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **15**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Page **5** of **15**

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

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **15**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **15**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for the borrowers and confirm that the variations have
been addressed in the loan file;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm
that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality
and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **15**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

Page **10** of **15**

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **15**

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

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

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

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

<u>General Ability to Repay</u>

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

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

4**.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **15**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page **13** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page **14** of **15**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxx1349 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx1356 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | XXXX |
| xxxxx1356 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx1356 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.83 | 32.82 | XXXX |
| xxxxx1291 | XXXX |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx2600 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3739 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3739 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc 12 months | XXXX |
| xxxxx3739 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx2554 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 84.76 | 84.77 | XXXX |
| xxxxx2554 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx2590 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 485.5 | 335.42 | XXXX |
| xxxxx2590 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx2657 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2681 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx3791 |  |  | XXXX | B1 Verified Citizenship Designation | fraudReportPage | Undocumented Non-US Citizen | ITIN | XXXX |
| xxxxx1290 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | XXXX |
| xxxxx1290 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.63 | 45.62 | XXXX |
| xxxxx1290 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.536 | XXXX |
| xxxxx2523 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2680 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2708 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2708 |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 75.29 | 75.00 | XXXX |
| xxxxx3790 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3790 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 29.95 | 31.02 | XXXX |
| xxxxx3790 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.42 | 31.48 | XXXX |
| xxxxx3878 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | XXXX |
| xxxxx3887 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2655 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2655 |  |  | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | XXXX |
| xxxxx4071 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| xxxxx4071 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 754 | 745 | XXXX |
| xxxxx4071 |  |  | XXXX | Prepayment Penalty Total Term | notePage | 0 | NA | XXXX |
| xxxxx4071 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.09 | 46.75 | XXXX |
| xxxxx3920 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3920 |  |  | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | XXXX |
| xxxxx3920 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | XXXX |
| xxxxx3012 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx4067 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxx1349 | XXXX |  | Closed | 2025-03-14 04:21 | 2025-03-19 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-Title Document is missing - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3609622 | N/A | N/A |
| XXXX | xxxxx1356 | XXXX |  | Closed | 2025-03-19 07:24 | 2025-03-19 07:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.471%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 294-299. reflects escrows. Rate lock date was entered correctly – see Pg#'s 472 An interior and exterior appraisal was completed for this property – see pg 68-103, the appraisal disclosure was provided to the borrower(s)- see Pg#'518, and copy of the appraisal was given to the borrower – see Pg#'s 466 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/19/2025 |  | Resolved-The loan's (10.471%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 438 and the Final Closing disclosure on Pg#'s 294-299. reflects escrows. Rate lock date was entered correctly – see Pg#'s 472 An interior and exterior appraisal was completed for this property – see pg 68-103, the appraisal disclosure was provided to the borrower(s)- see Pg#'518, and copy of the appraisal was given to the borrower – see Pg#'s 466 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/19/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3643370 | N/A | N/A |
| XXXX | xxxxx1291 | XXXX |  | Closed | 2025-03-25 14:12 | 2025-04-01 15:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the Initial CD - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-received the Initial CD - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3688321 | N/A | N/A |
| XXXX | xxxxx1291 | XXXX |  | Closed | 2025-04-01 15:19 | 2025-04-01 15:24 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _334___ and the Final Closing disclosure on Pg#'s _206___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _41___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_415__ , and copy of the appraisal was given to the borrower – see Pg#'s _185____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2025 <br>Open-The loan's (10.579%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/01/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _334___ and the Final Closing disclosure on Pg#'s _206___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _41___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_415__ , and copy of the appraisal was given to the borrower – see Pg#'s _185____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3741588 | N/A | N/A |
| XXXX | xxxxx1291 | XXXX |  | Closed | 2025-03-27 00:14 | 2025-04-01 14:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/28/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/28/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3704324 | N/A | N/A |
| XXXX | xxxxx2694 | XXXX |  | Closed | 2025-03-20 10:55 | 2025-03-26 12:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-03/26/2025 <br>Resolved- - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the Final Inspection (1004D) iao $250 on the Initial CD - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Revised CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-03/26/2025 <br>Resolved- - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3654967 | N/A | N/A |
| XXXX | xxxxx2694 | XXXX |  | Closed | 2025-03-24 17:20 | 2025-03-26 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 with an Appraised Value iao $XXXX - Due Diligence Vendor-03/26/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-The 1008 document is missing from the loan file. Provide updated 1008 with an Appraised Value iao $465,000 - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Updated 1008 with an Appraised Value iao $XXXX - Due Diligence Vendor-03/26/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/26/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3681263 | N/A | N/A |
| XXXX | xxxxx2694 | XXXX |  | Closed | 2025-03-24 17:22 | 2025-03-26 11:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Incomplete Updated 1003 with an Appraised Value iao $XXXX - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Open-The Final 1003 is Incomplete Provide updated Final 1003 with an appraised value iao $XXXX - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-The Final 1003 is Incomplete Updated 1003 with an Appraised Value iao $465,000 - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3681279 | N/A | N/A |
| XXXX | xxxxx2694 | XXXX |  | Closed | 2025-03-20 10:55 | 2025-03-26 12:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 558 and the Final Closing disclosure on Pg#'s 314 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599 An interior and exterior appraisal was completed for this property – see pg 70-117 ,the appraisal disclosure was provided to the borrower(s)- see page 663 and copy of the appraisal was given to the borrower – see page 609. The loan meets HPML guidelines - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.568%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 558 and the Final Closing disclosure on Pg#'s 314 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599 An interior and exterior appraisal was completed for this property – see pg 70-117 ,the appraisal disclosure was provided to the borrower(s)- see page 663 and copy of the appraisal was given to the borrower – see page 609. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2025 |  | Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 558 and the Final Closing disclosure on Pg#'s 314 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599 An interior and exterior appraisal was completed for this property – see pg 70-117 ,the appraisal disclosure was provided to the borrower(s)- see page 663 and copy of the appraisal was given to the borrower – see page 609. The loan meets HPML guidelines - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.568%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 558 and the Final Closing disclosure on Pg#'s 314 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599 An interior and exterior appraisal was completed for this property – see pg 70-117 ,the appraisal disclosure was provided to the borrower(s)- see page 663 and copy of the appraisal was given to the borrower – see page 609. The loan meets HPML guidelines. - Due Diligence Vendor-03/20/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3654968 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-04-01 18:23 | 2025-04-04 16:28 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-resolved - Due Diligence Vendor-04/04/2025 <br> Open-The disclosed finance charge ($XXXX) is ($2,302.15) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/04/2025 <br> Open-open - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. I have attached the final cd dated XXXX and the Finance Charge of $XXXX is accurate. I've highlighted all of the APR fees that were included in the calculation and I'm not arriving at the figures below. Please review and advise. - Seller-04/03/2025 <br> Open-The disclosed finance charge ($XXXX) is ($1,906.84) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/01/2025 <br> Open-The disclosed finance charge ($XXXX) is ($9,717.97) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/01/2025 <br> Open-The disclosed finance charge ($XXXX) is ($1,906.84) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/01/2025 <br> Open-The disclosed finance charge ($XXXX) is ($2,901.84) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. I have attached the final cd dated XXXX and the Finance Charge of $XXXX is accurate. I've highlighted all of the APR fees that were included in the calculation and I'm not arriving at the figures below. Please review and advise. - Seller-04/03/2025 | Resolved-resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3744334 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-04-01 18:23 | 2025-04-04 16:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.466%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/04/2025 <br>Open-The loan's (8.555%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/04/2025 <br>Resolved-resolved - Due Diligence Vendor-04/04/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __506__ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __537___ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_587__ , and copy of the appraisal was given to the borrower – see Pg#'s __354___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2025 <br>Open-The loan's (8.549%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/01/2025 <br>Open-The loan's (8.592%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/01/2025 |  | Resolved-The loan's (8.466%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/04/2025 <br>Resolved-resolved - Due Diligence Vendor-04/04/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __506__ and the Final Closing disclosure on Pg#'s _254___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __537___ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_587__ , and copy of the appraisal was given to the borrower – see Pg#'s __354___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/01/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3744335 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-03-25 08:46 | 2025-04-01 18:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD was provided - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/29/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. - Seller-03/29/2025<br>| Resolved-the initial CD was provided - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3686203 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-04-01 18:23 | 2025-04-01 18:42 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-04/01/2025 <br> Open-The Prior CD1 sent on (XXXX) was received at least 3 business days before closing. The Last CD sent on (XXXX) was not received at least 3 business days before closing. The Prior CD1 (8.466%) APR is inaccurate when compared to the (8.671%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXX), which is 3 business days before the (XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/01/2025 <br> Resolved- - Due Diligence Vendor-04/01/2025 <br> Open-The Prior CD1 sent on (XXXX) was received at least 3 business days before closing. The Last CD sent on (XXXX) was not received at least 3 business days before closing. The Prior CD1 (8.466%) APR is inaccurate when compared to the (8.592%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXX), which is 3 business days before the (XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/01/2025 |  | Resolved- - Due Diligence Vendor-04/01/2025 <br>Resolved- - Due Diligence Vendor-04/01/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3744333 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-04-01 18:23 | 2025-04-01 18:42 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br> Open-The Annual Percentage Rate of (8.466%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) open - Due Diligence Vendor-04/01/2025 <br> Resolved-resolved - Due Diligence Vendor-04/01/2025 <br> Open-The Annual Percentage Rate of (8.466%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) open - Due Diligence Vendor-04/01/2025 |  | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Resolved-resolved - Due Diligence Vendor-04/01/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3744336 | N/A | N/A |
| XXXX | xxxxx3785 | XXXX |  | Closed | 2025-04-01 18:23 | 2025-04-01 18:42 | Resolved | 1 - Information C A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Open-The disclosed APR (8.466) is lower than the actual APR (8.671) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) open - Due Diligence Vendor-04/01/2025 <br>Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Open-The disclosed APR (8.466) is lower than the actual APR (8.592) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) open - Due Diligence Vendor-04/01/2025 |  | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Resolved-resolved - Due Diligence Vendor-04/01/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3744337 | N/A | N/A |
| XXXX | xxxxx2600 | XXXX |  | Closed | 2025-03-26 06:22 | 2025-03-31 16:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.288%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 350 and the Final Closing disclosure on Pg# 131 reflects escrows. Rate lock date was entered correctly see Pg.'s 405 An interior and exterior appraisal was completed for this property – see pg. 66 the appraisal disclosure was provided to the borrower(s)- see Pg#486, 487, 489 and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-The loan's (8.288%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 350 and the Final Closing disclosure on Pg# 131 reflects escrows. Rate lock date was entered correctly see Pg.'s 405 An interior and exterior appraisal was completed for this property – see pg. 66 the appraisal disclosure was provided to the borrower(s)- see Pg#486, 487, 489 and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower<br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-The loan's (8.288%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 350 and the Final Closing disclosure on Pg# 131 reflects escrows. Rate lock date was entered correctly see Pg.'s 405 An interior and exterior appraisal was completed for this property – see pg. 66 the appraisal disclosure was provided to the borrower(s)- see Pg#486, 487, 489 and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3695128 | N/A | N/A |
| XXXX | xxxxx2600 | XXXX |  | Closed | 2025-03-31 13:19 | 2025-03-31 13:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.2 month(s) are less than Guideline Required Reserves of 6 month(s) Exception Approved <br> Exception Approval on page 448<br> Exception Reason - Reserves- Loan File 4.2 months, GL Requirement 3 months + 3 months additional require reserves due to borrower living rent free. LOX page 366 - Due Diligence Vendor-03/31/2025 |  | Waived-Audited Reserves of 4.2 month(s) are less than Guideline Required Reserves of 6 month(s) Exception Approved <br> Exception Approval on page 448<br> Exception Reason - Reserves- Loan File 4.2 months, GL Requirement 3 months + 3 months additional require reserves due to borrower living rent free. LOX page 366 - Due Diligence Vendor-03/31/2025<br>|  |  | Credit Score- Loan File 810, GL Requirement Min 700<br> Residence Income- Loan File $3,266.29, GL Requirement $1,500 | AZ | Primary Residence | Purchase | NA | 3729123 | Originator Pre-Close | Yes |
| XXXX | xxxxx3739 | XXXX |  | Closed | 2025-03-25 12:21 | 2025-03-25 12:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.393%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 246 and the Final Closing disclosure on Pg.'s 89 reflects escrows. Rate lock date was entered correctly – see Pg.'s 261.An interior and exterior appraisal was completed for this property – see pg. 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'309,255 and copy of the appraisal was given to the borrower – see Pg.'s 309,255 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/25/2025 |  | Resolved-The loan's (9.393%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 246 and the Final Closing disclosure on Pg.'s 89 reflects escrows. Rate lock date was entered correctly – see Pg.'s 261.An interior and exterior appraisal was completed for this property – see pg. 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'309,255 and copy of the appraisal was given to the borrower – see Pg.'s 309,255 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/25/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 3687197 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 14:01 | 2025-04-17 21:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD was provided by client - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the XXXX. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-the initial CD was provided by client - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3740358 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-17 20:59 | 2025-04-17 21:03 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-the closing date listed on the final Cd was captured incorrectly. - Due Diligence Vendor-04/17/2025 <br> Open-The Last Loan Estimate was provided on (XXXX) which is on or after (XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) open - Due Diligence Vendor-04/17/2025 |  | Resolved-the closing date listed on the final Cd was captured incorrectly. - Due Diligence Vendor-04/17/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3895253 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-17 20:59 | 2025-04-17 21:03 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-the figures were corrected - Due Diligence Vendor-04/17/2025 <br> Open-The disclosed finance charge ($XXXX) is ($666.65) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/17/2025 |  | Resolved-the figures were corrected - Due Diligence Vendor-04/17/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3895254 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:35 | 2025-04-16 08:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-Missing Third Party Fraud Report Fraud Report missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Required Document Provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3740019 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:12 | 2025-04-16 07:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary Valuation Provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. - Seller-04/15/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/15/2025<br>| Resolved-Requested Secondary Valuation Provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739767 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:12 | 2025-04-16 07:46 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Appraisal is Missing Appraisal report missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739768 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:12 | 2025-04-16 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract Doc is Missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739770 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-02 21:43 | 2025-04-08 17:12 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-the asset worksheet was provided - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Missing the asset Worksheet - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-the asset worksheet was provided - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3757017 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:39 | 2025-04-08 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Title Document is missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739429 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:14 | 2025-04-08 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing Flood Certificate Flood Certificate missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739784 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:14 | 2025-04-08 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/07/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/07/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-04/08/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739785 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 13:52 | 2025-04-04 15:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Evidence of Rate Lock Missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3740259 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Lender Income Calculation Sheet Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income worksheet missing in file. - Due Diligence Vendor-04/01/2025 |  | Resolved-Requested Lender Income Calculation Sheet Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739541 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Requested 1 Month Paystub Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025 <br>Open-Borrower 2 Paystubs Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 |  | Resolved-Requested 1 Month Paystub Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739540 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing VOE Document Missing in file. - Due Diligence Vendor-04/01/2025 |  | Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739537 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Resolved Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/04/2025 <br>Open-Borrower 1 IRS Transcripts Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 |  | Resolved-Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Resolved Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739534 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Resolved Requested Tax Transcripts Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Borrower 2 IRS Transcripts Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Requested Tax Transcripts Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Resolved Requested Tax Transcripts Provided hence resolved. - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739539 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:54 | 2025-04-04 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Requested 2 Years w2 Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025 <br>Ready for Review-WVOE and returns used instead. - Seller-04/03/2025 <br>Open-Borrower 2 W2/1099 Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-WVOE and returns used instead. - Seller-04/03/2025<br>| Resolved-Requested 2 Years w2 Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739554 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of W-2. - Due Diligence Vendor-04/04/2025 <br>Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of W-2. - Due Diligence Vendor-04/04/2025 <br>Open-Borrower 1 W2/1099 Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 |  | Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of W-2. - Due Diligence Vendor-04/04/2025 <br>Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of W-2. - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739536 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of Paystubs. - Due Diligence Vendor-04/04/2025 <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-04/04/2025 <br>Ready for Review-WVOE utilized instead. - Seller-04/03/2025 <br>Open-Borrower 1 Paystubs Missing Income qualifies with wage income however supporting document missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-WVOE utilized instead. - Seller-04/03/2025<br>| Resolved-Requested WVOE Provided which will be sufficient to cover the requirement of Paystubs. - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3739535 | N/A | N/A |
| XXXX | xxxxx2554 | XXXX |  | Closed | 2025-04-01 12:53 | 2025-04-04 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE Document Missing in file. - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3739533 | N/A | N/A |
| XXXX | xxxxx2590 | XXXX |  | Closed | 2025-03-24 12:48 | 2025-04-01 17:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/29/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). No COC to show the increase in Broker Fees and Loan Discount points - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/29/2025<br>| Resolved- - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 3677776 | N/A | N/A |
| XXXX | xxxxx2590 | XXXX |  | Closed | 2025-03-24 11:31 | 2025-03-31 10:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title report provided with updated coverage amount that covers loan amount. - Due Diligence Vendor-03/31/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/29/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount of $XXXX. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/29/2025<br>| Resolved-Requested updated title report provided with updated coverage amount that covers loan amount. - Due Diligence Vendor-03/31/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/31/2025 | XXXX |  |  | LA | Primary Residence | Purchase | NA | 3677254 | N/A | N/A |
| XXXX | xxxxx2590 | XXXX |  | Closed | 2025-03-24 12:15 | 2025-03-31 10:00 | Resolved | 1 - Information A | Credit | Data | Qualifying LTV % does not match 1008 Page LTV %. | Resolved-Requested updated 1008 Provided with correct Loan Amount & LTV Hence resolved. - Due Diligence Vendor-03/31/2025 <br> Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Seller-03/29/2025 <br> Open-The Diligence Final Look Page Qualifying LTV is 80% but the 1008 Page Qualifying LTV is 75%. Please confirm the correct qualifying property value flag was chosen. Finding added for 1008.<br> the 1008 shows a loan amount of $XXXX with an LTV of 75%. <br> The final loan amount is $XXXX with an LTV of 80%. provide a new 1008 with the correct information. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-03/29/2025<br>| Resolved-Requested updated 1008 Provided with correct Loan Amount & LTV Hence resolved. - Due Diligence Vendor-03/31/2025 <br>Resolved-The Diligence Final Look Page Qualifying LTV matches the 1008 Page Qualifying LTV. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 3677504 | N/A | N/A |
| XXXX | xxxxx2590 | XXXX |  | Closed | 2025-03-24 12:48 | 2025-04-01 17:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Resolved-The loan's (8.413%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 349 and the Final Closing disclosure on Pg.'s 218 reflects escrows. Rate lock date was entered correctly – see Pg.'s 398 An interior and exterior appraisal was completed for this property – see pg. 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'466,384 and copy of the appraisal was given to the borrower – see Pg.'s 466,384 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/24/2025 |  | Resolved-resolved - Due Diligence Vendor-04/01/2025 <br>Resolved-The loan's (8.413%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 349 and the Final Closing disclosure on Pg.'s 218 reflects escrows. Rate lock date was entered correctly – see Pg.'s 398 An interior and exterior appraisal was completed for this property – see pg. 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'466,384 and copy of the appraisal was given to the borrower – see Pg.'s 466,384 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-03/24/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | 3677777 | N/A | N/A |
| XXXX | xxxxx2407 | XXXX |  | Closed | 2025-03-31 19:04 | 2025-04-02 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Provide Asset Worksheet - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3733967 | N/A | N/A |
| XXXX | xxxxx2407 | XXXX |  | Closed | 2025-03-31 19:32 | 2025-04-02 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Loan Estimate dated XXXX and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 <br> Open-Provide signed Loan Estimate dated XXXX and Disclosure Tracking Summary - Due Diligence Vendor-03/31/2025 |  | Resolved-Loan Estimate dated XXXX and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 |  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3734231 | N/A | N/A |
| XXXX | xxxxx2407 | XXXX |  | Closed | 2025-03-31 19:20 | 2025-04-02 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3734131 | N/A | N/A |
| XXXX | xxxxx2687 | XXXX |  | Closed | 2025-03-28 12:01 | 2025-04-02 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-12 Months P&L Statement received - Due Diligence Vendor-04/02/2025 <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Provide Profit & Loss Statement - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-12 Months P&L Statement received - Due Diligence Vendor-04/02/2025 <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3717093 | N/A | N/A |
| XXXX | xxxxx2687 | XXXX |  | Closed | 2025-03-28 12:15 | 2025-04-02 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract received - Due Diligence Vendor-04/02/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Purchase Contract received - Due Diligence Vendor-04/02/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3717171 | N/A | N/A |
| XXXX | xxxxx2687 | XXXX |  | Closed | 2025-04-02 12:42 | 2025-04-02 12:49 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 275 and the Final Closing disclosure on page 160 reflects escrows. Rate lock date was entered correctly – see page 300. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 344 and copy of the appraisal was given to the borrower – see page 186. The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 <br>Open-The loan's (9.042%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/02/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 275 and the Final Closing disclosure on page 160 reflects escrows. Rate lock date was entered correctly – see page 300. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 344 and copy of the appraisal was given to the borrower – see page 186. The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3749938 | N/A | N/A |
| XXXX | xxxxx2687 | XXXX |  | Closed | 2025-03-28 13:09 | 2025-04-02 12:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/01/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved- Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3717654 | N/A | N/A |
| XXXX | xxxxx2687 | XXXX |  | Closed | 2025-03-28 13:02 | 2025-04-01 14:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved<br> Exception Approval page 290<br> Exception Reason: Reserves - Loan File 4.81 months, GL Requirement Min 3 months + 3 additional months required reserves due to borrower pays rent in cash, unable to document.= 6 months - Due Diligence Vendor-03/28/2025 |  | Waived-Exception Approved<br> Exception Approval page 290<br> Exception Reason: Reserves - Loan File 4.81 months, GL Requirement Min 3 months + 3 additional months required reserves due to borrower pays rent in cash, unable to document.= 6 months - Due Diligence Vendor-03/28/2025<br>|  |  | Residual Income - Loan File $3,242.18. GL Requirement $1500 + $150 per dependent= $1650<br> Borrower Contribution - Loan File 100%, GL Requirement 10%<br> Job Stability- Loan File 8 yrs SE, GL Requirement 1 yr SE | AZ | Primary Residence | Purchase | NA | 3717585 | Originator Pre-Close | Yes |
| XXXX | xxxxx2561 | XXXX |  | Closed | 2025-03-31 13:49 | 2025-04-04 11:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/04/2025 <br>Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide signed Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/04/2025 <br>Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3729454 | N/A | N/A |
| XXXX | xxxxx2561 | XXXX |  | Closed | 2025-04-02 12:01 | 2025-04-04 11:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE and COC received - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Revised LE dated 3/10/2025 and related COC - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Revised LE and COC received - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3749643 | N/A | N/A |
| XXXX | xxxxx2561 | XXXX |  | Closed | 2025-04-04 10:59 | 2025-04-04 11:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 185 reflects escrows. Rate lock date was entered correctly – see page 378. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 176. The loan meets HPML guidelines - Due Diligence Vendor-04/04/2025 <br>Open-The loan's (9.797%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 185 reflects escrows. Rate lock date was entered correctly – see page 378. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 176. The loan meets HPML guidelines - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3781728 | N/A | N/A |
| XXXX | xxxxx2561 | XXXX |  | Closed | 2025-04-04 10:59 | 2025-04-04 11:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 185 reflects escrows. Rate lock date was entered correctly – see page 378. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 176. The loan meets HPML guidelines - Due Diligence Vendor-04/04/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.797%) equals or exceeds the California HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 185 reflects escrows. Rate lock date was entered correctly – see page 378. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 412 and copy of the appraisal was given to the borrower – see page 176. The loan meets HPML guidelines - Due Diligence Vendor-04/04/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3781727 | N/A | N/A |
| XXXX | xxxxx2657 | XXXX |  | Closed | 2025-03-31 17:48 | 2025-04-02 12:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3732782 | N/A | N/A |
| XXXX | xxxxx2657 | XXXX |  | Closed | 2025-03-28 03:57 | 2025-03-31 17:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.522%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 415 and the Final Closing disclosure on Pg#'s 152 reflects escrows. Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg#'494,496-497 and copy of the appraisal was given to the borrower – see Pg#'s 135 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/28/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.522%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 415 and the Final Closing disclosure on Pg#'s 152 reflects escrows. Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg#'494,496-497 and copy of the appraisal was given to the borrower – see Pg#'s 135 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3715425 | N/A | N/A |
| XXXX | xxxxx2657 | XXXX |  | Closed | 2025-03-28 03:57 | 2025-03-31 17:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.522%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 415 and the Final Closing disclosure on Pg#'s 152 reflects escrows. Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg# 494,496-497 and copy of the appraisal was given to the borrower – see Pg#'s 135 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/28/2025 |  | Resolved-The loan's (8.522%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 415 and the Final Closing disclosure on Pg#'s 152 reflects escrows. Rate lock date was entered correctly – see Pg#'s 136. An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg# 494,496-497 and copy of the appraisal was given to the borrower – see Pg#'s 135 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-03/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3715426 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-15 17:16 | 2025-04-17 21:13 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-The figures were corrected to be in line with the finance charges - Due Diligence Vendor-04/17/2025 <br> Open-The disclosed finance charge ($XXXX) is ($530.00) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-04/15/2025 |  | Resolved-The figures were corrected to be in line with the finance charges - Due Diligence Vendor-04/17/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3869270 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-15 17:16 | 2025-04-17 21:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Condition was resolved since .48 is inconsequential - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Do you mean the 48 cents? The LE rounds to the nearest dollar, but the CD does not. Percentage did not change. - Seller-04/15/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/15/2025 | Ready for Review-Do you mean the 48 cents? The LE rounds to the nearest dollar, but the CD does not. Percentage did not change. - Seller-04/15/2025<br>| Resolved-Condition was resolved since .48 is inconsequential - Due Diligence Vendor-04/17/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3869268 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-15 17:16 | 2025-04-17 21:10 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _648___ and the Final Closing disclosure on Pg#'s _483___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _676____ An interior and exterior appraisal was completed for this property – see pg _27___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_773__ , and copy of the appraisal was given to the borrower – see Pg#'s __497__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.54%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.73%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/15/2025 |  | Resolved-resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _648___ and the Final Closing disclosure on Pg#'s _483___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _676____ An interior and exterior appraisal was completed for this property – see pg _27___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_773__ , and copy of the appraisal was given to the borrower – see Pg#'s __497__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3869269 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-15 17:16 | 2025-04-17 21:09 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _648___ and the Final Closing disclosure on Pg#'s _483___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _676____ An interior and exterior appraisal was completed for this property – see pg _27___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_773__ , and copy of the appraisal was given to the borrower – see Pg#'s __497__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025 <br>Open-The loan's (8.526%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/15/2025 <br>Open-The loan's (8.54%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/15/2025 |  | Resolved-resolved - Due Diligence Vendor-04/17/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _648___ and the Final Closing disclosure on Pg#'s _483___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _676____ An interior and exterior appraisal was completed for this property – see pg _27___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_773__ , and copy of the appraisal was given to the borrower – see Pg#'s __497__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3869271 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-08 12:16 | 2025-04-15 17:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD and ran compliance - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing Disclosure is missing in the file - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Received the initial CD and ran compliance - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3804007 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-08 09:37 | 2025-04-15 16:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Provided the DOT - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-The Deed of Trust is Incomplete Page 15 of 15 is missing. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Provided the DOT - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3803289 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-08 10:22 | 2025-04-14 07:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided. - Due Diligence Vendor-04/14/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract Doc is Missing in the file - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Purchase Contract Document provided. - Due Diligence Vendor-04/14/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3803398 | N/A | N/A |
| XXXX | xxxxx2681 | XXXX |  | Closed | 2025-04-08 10:49 | 2025-04-14 07:04 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Asset worksheet provided. - Due Diligence Vendor-04/14/2025 <br>Ready for Review-Document Uploaded. - Seller-04/11/2025 <br>Open-Asset worksheet is missing in the file - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/11/2025<br>| Resolved-Asset worksheet provided. - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3803493 | N/A | N/A |
| XXXX | xxxxx3791 | XXXX |  | Closed | 2025-04-02 03:52 | 2025-04-09 07:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Document provided.<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Loan Purpose is Purchase but Purchase Contract Document is Missing from file. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Purchase Contract Document provided.<br> - Due Diligence Vendor-04/09/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3747951 | N/A | N/A |
| XXXX | xxxxx3791 | XXXX |  | Closed | 2025-04-02 04:48 | 2025-04-09 07:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-3 additional months reserves added for housing History. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-This is not something XXXX requires. - Seller-04/08/2025 <br> Open-Borrower currently staying in No primary housing expense in file is from borrower. Need Rent Free LOX from Owner of the house.<br> - Due Diligence Vendor-04/02/2025 | Ready for Review-This is not something XXXX requires. - Seller-04/08/2025 | Resolved-3 additional months reserves added for housing History. - Due Diligence Vendor-04/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3748113 | N/A | N/A |
| XXXX | xxxxx3791 | XXXX |  | Closed | 2025-04-02 04:29 | 2025-04-07 21:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.543%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 342 and the Final Closing disclosure on Pg.'s 195 reflects escrows. Rate lock date was entered correctly – see Pg.'s 376 An interior and exterior appraisal was completed for this property – see pg. 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'429,374 and copy of the appraisal was given to the borrower – see Pg.'s 429,374 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-04/02/2025 |  | Resolved-The loan's (10.543%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 342 and the Final Closing disclosure on Pg.'s 195 reflects escrows. Rate lock date was entered correctly – see Pg.'s 376 An interior and exterior appraisal was completed for this property – see pg. 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'429,374 and copy of the appraisal was given to the borrower – see Pg.'s 429,374 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-04/02/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3748073 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-11 16:11 | 2025-04-21 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/16/2025 <br> Resolved-Received rate lock agreement dated XXXX - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-Evidence of Rate Lock Missing Provide Rate Lock agreement - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/16/2025 <br> Resolved-Received rate lock agreement dated XXXX - Due Diligence Vendor-04/16/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3841210 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:49 | 2025-04-21 11:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved Exception Approval on page 863 Reserves- Loan File 3.08 months, GL Requirement 6 months - Due Diligence Vendor-04/21/2025 <br>Open-Audited Reserves of 3.08 month(s) are less than Guideline Required Reserves of 6 month(s) . - Due Diligence Vendor-04/21/2025 |  | Waived-Exception Approved Exception Approval on page 863 Reserves- Loan File 3.08 months, GL Requirement 6 months - Due Diligence Vendor-04/21/2025<br>|  |  | LTV- Loan File 75%, GL Requirement Max 85%<br> Credit - Loan File 761, GL Requirement Min 700<br> Residual Income- $8085.10, GL Requirement $1500 + $150 \*4 dependents= $2100 | NJ | Primary Residence | Purchase | NA | 3912268 | Originator Pre-Close | Yes |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-11 16:19 | 2025-04-21 11:11 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-XXXX COC received for Discount Points 0.45% - Due Diligence Vendor-04/21/2025 <br> Ready for Review-You didn't get the changed circumstances that were uploaded yesterday? There's something wrong with them? What is needed here? - Seller-04/17/2025 <br> Open-Provide COC for loan discount points 0.447% in the amount of $2,883.15. - Due Diligence Vendor-04/16/2025 <br> Open-. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/16/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan is high cost. Bank statement program. - Due Diligence Vendor-04/11/2025 | Ready for Review-You didn't get the changed circumstances that were uploaded yesterday? There's something wrong with them? What is needed here? - Seller-04/17/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-XXXX COC received for Discount Points 0.45% - Due Diligence Vendor-04/21/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3841277 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:04 | 2025-04-21 11:11 | Resolved | 1 - Information C A | Compliance | XXXX | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. . - Due Diligence Vendor-04/21/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3912087 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:04 | 2025-04-21 11:10 | Resolved | 1 - Information C A | Compliance | XXXX | Tolerance: Disclosure | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025 <br>Open-There are ($45.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) . - Due Diligence Vendor-04/21/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3912088 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:04 | 2025-04-21 11:10 | Resolved | 1 - Information C A | Compliance | XXXX | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025 <br>Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The New Jersey Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to the lender instead of a third party provider. (N.J.A.C. 3:1-16.2. . - Due Diligence Vendor-04/21/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3912089 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:06 | 2025-04-21 11:07 | Resolved | 1 - Information C A | Compliance | XXXX | NJ Fee Not Allowed- Document Assembly Fee (Fee ID: 126) | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Assembly Fee (Fee ID: 126) to be charged to the Borrower in NJ. . - Due Diligence Vendor-04/21/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-04/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3912101 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-21 11:04 | 2025-04-21 11:06 | Resolved | 1 - Information C A | Compliance | XXXX | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved- - Due Diligence Vendor-04/21/2025 <br>Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender or Affiliate in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The New Jersey Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to lender or affiliate instead of an unaffiliated third party provider. (N.J.A.C. 3:1-16.2. - Due Diligence Vendor-04/21/2025 |  | Resolved- - Due Diligence Vendor-04/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3912086 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-11 16:19 | 2025-04-16 14:24 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Revised LE, initial CD, and COC received. - Due Diligence Vendor-04/16/2025 <br> Resolved-. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. - Seller-04/14/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Missing Initial CD, related COC, and disclosure tracking summary. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Revised LE, initial CD, and COC received. - Due Diligence Vendor-04/16/2025 <br>Resolved-. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3841279 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-10 07:31 | 2025-04-15 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated 1008 provided hence resolved.<br> - Due Diligence Vendor-04/15/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008, missing from file. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Requested updated 1008 provided hence resolved.<br> - Due Diligence Vendor-04/15/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3824756 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-10 11:49 | 2025-04-15 11:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved- - Due Diligence Vendor-04/15/2025 <br>Open-Audited DTI Exceeds Guideline DTI 1008 document is missing unable to verify all other monthly payments, trade lines considered as per credit report, but DTI is exceeding the guideline minimum DTI of 50. - Due Diligence Vendor-04/10/2025 |  |  |  |  |  | NJ | Primary Residence | Purchase | NA | 3825708 | N/A | N/A |
| XXXX | xxxxx1290 | XXXX |  | Closed | 2025-04-11 16:19 | 2025-04-21 12:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/21/2025 <br>Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025 <br>Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/11/2025 |  | Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/21/2025 <br>Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/16/2025 <br>Resolved-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _731___ and the Final Closing disclosure on Pg#'s _401___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _86___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__935_ , and copy of the appraisal was given to the borrower – see Pg#'s ___432__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/11/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3841278 | N/A | N/A |
| XXXX | xxxxx2523 | XXXX |  | Closed | 2025-04-09 17:29 | 2025-04-09 17:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _332__ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _56___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_428__ , and copy of the appraisal was given to the borrower – see Pg#'s __395___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/09/2025 <br>Open-The loan's (9.391%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _332__ and the Final Closing disclosure on Pg#'s _127___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg _56___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_428__ , and copy of the appraisal was given to the borrower – see Pg#'s __395___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/09/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3819391 | N/A | N/A |
| XXXX | xxxxx2523 | XXXX |  | Closed | 2025-04-07 04:46 | 2025-04-09 17:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure from file. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3792143 | N/A | N/A |
| XXXX | xxxxx2523 | XXXX |  | Closed | 2025-04-09 17:29 | 2025-04-09 17:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-04/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/09/2025 |  | Resolved- - Due Diligence Vendor-04/09/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3819390 | N/A | N/A |
| XXXX | xxxxx2523 | XXXX |  | Closed | 2025-04-08 20:17 | 2025-04-09 16:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3811351 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-24 13:31 | 2025-04-25 12:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 116 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 397 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 116 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 397 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/24/2025 <br>Open-The loan's (10.634%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/24/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 116 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 397 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 116 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 397 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/24/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3949607 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-24 13:31 | 2025-04-25 12:40 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Updated receipt date on the Initial CD - Due Diligence Vendor-04/25/2025 <br> Ready for Review-???????????????? Initial CD was XXXX - Seller-04/24/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-04/24/2025 | Ready for Review-???????????????? Initial CD was XXXX. - Seller-04/24/2025 | Resolved-Updated receipt date on the Initial CD - Due Diligence Vendor-04/25/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3949608 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-24 13:31 | 2025-04-24 13:39 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Added COC to Revised LE dated XXXX - Due Diligence Vendor-04/24/2025 <br> Resolved- - Due Diligence Vendor-04/24/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-04/24/2025 |  | Resolved-Added COC to Revised LE dated 3/5/2025 - Due Diligence Vendor-04/24/2025 <br>Resolved- - Due Diligence Vendor-04/24/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3949606 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-21 17:47 | 2025-04-24 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated XXXX, Initial CD dated 3/25/2025, Revised CD 3/28/2025 and COC received - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Counter-Revised CD dated XXXX received. Provide Initial CD dated XXXX and related COC - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. - Seller-04/21/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Revised LE dated XXXX, Initial CD dated XXXX, Revised CD 3/XXXX and COC received - Due Diligence Vendor-04/24/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3917094 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-22 13:21 | 2025-04-24 12:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE dated XXXX, Initial CD dated XXXX, Revised CD XXXX and COC received - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Provide Revised LE dated XXXX and related COC - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Revised LE dated XXXX, Initial CD dated XXXX, Revised CD XXXX and COC received - Due Diligence Vendor-04/24/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3924220 | N/A | N/A |
| XXXX | xxxxx2680 | XXXX |  | Closed | 2025-04-16 23:23 | 2025-04-22 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Requested Purchase Contract Document provided hence resolved. - Due Diligence Vendor-04/22/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Provide Purchase Contract - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Requested Purchase Contract Document provided hence resolved. - Due Diligence Vendor-04/22/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3884906 | N/A | N/A |
| XXXX | xxxxx2679 | XXXX |  | Closed | 2025-04-14 20:27 | 2025-04-15 16:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing Disclosure received. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COD, and disclosure tracking summary. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Closing Disclosure received. - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 3860312 | N/A | N/A |
| XXXX | xxxxx2679 | XXXX |  | Closed | 2025-04-15 15:40 | 2025-04-15 16:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _293___ and the Final Closing disclosure on Pg#'s _Findings__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _310____ An interior and exterior appraisal was completed for this property – see pg __22__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_345__ , and copy of the appraisal was given to the borrower – see Pg#'s __154___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025 <br>Open-The loan's (8.656%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/15/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _293___ and the Final Closing disclosure on Pg#'s _Findings__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _310____ An interior and exterior appraisal was completed for this property – see pg __22__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_345__ , and copy of the appraisal was given to the borrower – see Pg#'s __154___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/15/2025<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 3867813 | N/A | N/A |
| XXXX | xxxxx2679 | XXXX |  | Closed | 2025-04-15 15:40 | 2025-04-15 15:49 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Received CD. - Due Diligence Vendor-04/15/2025 <br> Open-The disclosed Total of Payments ($XXXX) is understated by more than $35 when compared to the actual Total of Payments of ($XXXX). The difference is ($51.56). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) Received updated CD. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received CD. - Due Diligence Vendor-04/15/2025<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 3867811 | N/A | N/A |
| XXXX | xxxxx2679 | XXXX |  | Closed | 2025-04-15 15:40 | 2025-04-15 15:49 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Received CD. - Due Diligence Vendor-04/15/2025 <br> Open-The disclosed finance charge ($XXXX) is ($51.56) below the actual finance charge ($XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) Received initial CD. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received CD. - Due Diligence Vendor-04/15/2025<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 3867812 | N/A | N/A |
| XXXX | xxxxx2679 | XXXX |  | Closed | 2025-04-15 15:40 | 2025-04-15 15:49 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Received CD. - Due Diligence Vendor-04/15/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Received initial CD. - Due Diligence Vendor-04/15/2025 |  | Resolved-Received CD. - Due Diligence Vendor-04/15/2025<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 3867814 | N/A | N/A |
| XXXX | xxxxx2708 | XXXX |  | Closed | 2025-04-28 15:32 | 2025-05-02 20:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD was provided - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD Missing in file, Unable to RUN XXXX - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-The initial CD was provided - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3980165 | N/A | N/A |
| XXXX | xxxxx2708 | XXXX |  | Closed | 2025-05-02 19:53 | 2025-05-02 20:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _401___ and the Final Closing disclosure on Pg#'s _232___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __423___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_465__ , and copy of the appraisal was given to the borrower – see Pg#'s __441__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.211%) equals or exceeds the California HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.65%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/02/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _401___ and the Final Closing disclosure on Pg#'s _232___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __423___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_465__ , and copy of the appraisal was given to the borrower – see Pg#'s __441__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4032307 | N/A | N/A |
| XXXX | xxxxx2708 | XXXX |  | Closed | 2025-05-02 19:53 | 2025-05-02 20:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _401___ and the Final Closing disclosure on Pg#'s _232___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __423___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_465__ , and copy of the appraisal was given to the borrower – see Pg#'s __441__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 <br>Open-The loan's (8.211%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/02/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _401___ and the Final Closing disclosure on Pg#'s _232___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __423___ An interior and exterior appraisal was completed for this property – see pg __24__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_465__ , and copy of the appraisal was given to the borrower – see Pg#'s __441__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4032308 | N/A | N/A |
| XXXX | xxxxx2708 | XXXX |  | Closed | 2025-05-02 19:53 | 2025-05-02 20:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The COC was captured. - Due Diligence Vendor-05/02/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/02/2025 |  | Resolved-The COC was captured. - Due Diligence Vendor-05/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4032305 | N/A | N/A |
| XXXX | xxxxx2708 | XXXX |  | Closed | 2025-05-02 19:53 | 2025-05-02 19:59 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-the correct business day was captured - Due Diligence Vendor-05/02/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (XXXX) earlier than the Prior Closing Disclosure Date Issued (XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) open - Due Diligence Vendor-05/02/2025 |  | Resolved-the correct business day was captured - Due Diligence Vendor-05/02/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4032306 | N/A | N/A |
| XXXX | xxxxx2622 | XXXX |  | Closed | 2025-04-22 18:34 | 2025-04-22 18:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the COC was uploaded and captured - Due Diligence Vendor-04/22/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/22/2025 |  | Resolved-the COC was uploaded and captured - Due Diligence Vendor-04/22/2025<br>|  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3929315 | N/A | N/A |
| XXXX | xxxxx2622 | XXXX |  | Closed | 2025-04-14 08:21 | 2025-04-22 18:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD has been provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the XXXX. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-The initial CD has been provided - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3852289 | N/A | N/A |
| XXXX | xxxxx2622 | XXXX |  | Closed | 2025-04-14 08:10 | 2025-04-22 18:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Evidence of Rate Lock Missing in file. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3852258 | N/A | N/A |
| XXXX | xxxxx3790 | XXXX |  | Closed | 2025-04-18 15:00 | 2025-04-18 15:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _196___ and the Final Closing disclosure on Pg#'s _87___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __216___ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_261__ , and copy of the appraisal was given to the borrower – see Pg#'s __121___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025 <br>Open-The loan's (8.69%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-04/18/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _196___ and the Final Closing disclosure on Pg#'s _87___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __216___ An interior and exterior appraisal was completed for this property – see pg _29___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_261__ , and copy of the appraisal was given to the borrower – see Pg#'s __121___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3901268 | N/A | N/A |
| XXXX | xxxxx3790 | XXXX |  | Closed | 2025-04-15 22:28 | 2025-04-18 15:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/16/2025 <br>Open-TRID: Missing Closing Disclosure provide the initial closing disclosure plus any COC's - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. - Seller-04/16/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3873792 | N/A | N/A |
| XXXX | xxxxx3818 | XXXX |  | Closed | 2025-04-13 06:24 | 2025-04-16 17:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception Approved<br> Exception Approval page 271<br> Exception Reason: Loan Amount - Loan FIle $XXXX, GL Requirement Min $XXXX - Due Diligence Vendor-04/13/2025 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Exception Approved<br> Exception Approval page 271<br> Exception Reason: Loan Amount - Loan FIle $XXXX, GL Requirement Min $XXXX - Due Diligence Vendor-04/13/2025 |  |  | DSCR - Loan FIle 1.410, GL Requirement Min 1.0<br> LTV - Loan File 40.92%, GL Requirement Max 70% <br> Reserves- Loan File 91.02 months, GL Requirement Min 2 months | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3849908 | Originator Pre-Close | Yes |
| XXXX | xxxxx3806 | XXXX |  | Closed | 2025-04-14 07:45 | 2025-04-24 00:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.275%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-The loan's (10.333%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _453___ and the Final Closing disclosure on Pg#'s _281___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __479___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26__ , and copy of the appraisal was given to the borrower – see Pg#'s __26___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025 <br>Resolved-The loan's (10.333%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _453___ and the Final Closing disclosure on Pg#'s _281___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __479___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26__ , and copy of the appraisal was given to the borrower – see Pg#'s __26___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/14/2025 |  | Resolved-The loan's (10.275%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) resolved - Due Diligence Vendor-04/24/2025 <br>Resolved-The loan's (10.333%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _453___ and the Final Closing disclosure on Pg#'s _281___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __479___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26__ , and copy of the appraisal was given to the borrower – see Pg#'s __26___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/24/2025 <br>Resolved-The loan's (10.333%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _453___ and the Final Closing disclosure on Pg#'s _281___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __479___ An interior and exterior appraisal was completed for this property – see pg _26___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_26__ , and copy of the appraisal was given to the borrower – see Pg#'s __26___ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/14/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3852190 | N/A | N/A |
| XXXX | xxxxx3806 | XXXX |  | Closed | 2025-04-23 23:12 | 2025-04-24 00:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC was provided to show increase - Due Diligence Vendor-04/24/2025 <br>Open-The total amount of the 10% category fees on the last Closing Disclosure ($143.00) has increased by more than 10% over the current baseline value of ($47.00). The total amount of fees in the 10% category cannot exceed ($51.70). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Filing Fees). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/23/2025 |  | Resolved-COC was provided to show increase - Due Diligence Vendor-04/24/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3945323 | N/A | N/A |
| XXXX | xxxxx3806 | XXXX |  | Closed | 2025-04-23 23:12 | 2025-04-24 00:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC was provided to show increase - Due Diligence Vendor-04/24/2025 <br>Resolved- - Due Diligence Vendor-04/23/2025 <br>Open-The total amount of the 10% category fees ($143.00) has increased by more than 10% over the current baseline value of ($47.00). The total amount of fees in the 10% category cannot exceed ($51.70). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Filing Fees). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-04/23/2025 |  | Resolved-COC was provided to show increase - Due Diligence Vendor-04/24/2025 <br>Resolved- - Due Diligence Vendor-04/23/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3945324 | N/A | N/A |
| XXXX | xxxxx3806 | XXXX |  | Closed | 2025-04-18 19:46 | 2025-04-23 23:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-TRID: Missing Closing Disclosure Provide initial CD and any COC that are associated, after receipt compliance will be ran and there may be additional findings to resolve. - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/23/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3905500 | N/A | N/A |
| XXXX | xxxxx3965 | XXXX |  | Closed | 2025-04-25 11:15 | 2025-04-25 11:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 470 and the Final Closing disclosure on page 230 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 560, 562 and copy of the appraisal was given to the borrower – see page 80. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br>Open-The loan's (8.35%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 470 and the Final Closing disclosure on page 230 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 560, 562 and copy of the appraisal was given to the borrower – see page 80. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3960728 | N/A | N/A |
| XXXX | xxxxx3965 | XXXX |  | Closed | 2025-04-25 11:15 | 2025-04-25 11:30 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 470 and the Final Closing disclosure on page 230 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 560, 562 and copy of the appraisal was given to the borrower – see page 80. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.35%) equals or exceeds the California HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.65%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/25/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 470 and the Final Closing disclosure on page 230 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 560, 562 and copy of the appraisal was given to the borrower – see page 80. The loan meets HPML guidelines. - Due Diligence Vendor-04/25/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3960727 | N/A | N/A |
| XXXX | xxxxx3965 | XXXX |  | Closed | 2025-04-21 12:52 | 2025-04-25 11:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3912739 | N/A | N/A |
| XXXX | xxxxx3965 | XXXX |  | Closed | 2025-04-25 11:15 | 2025-04-25 11:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated initial CD with COC dated XXXX in FIndings - Due Diligence Vendor-04/25/2025 <br> Resolved- - Due Diligence Vendor-04/25/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/25/2025 |  | Resolved-Updated initial CD with COC dated XXXX in FIndings - Due Diligence Vendor-04/25/2025 <br> Resolved- - Due Diligence Vendor-04/25/2025 |  |  |  | CA | Primary Residence | Purchase | NA | 3960726 | N/A | N/A |
| XXXX | xxxxx3965 | XXXX |  | Closed | 2025-04-21 19:53 | 2025-04-25 10:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/25/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3919135 | N/A | N/A |
| XXXX | xxxxx3907 | XXXX |  | Closed | 2025-04-28 20:34 | 2025-05-01 10:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Corrected HUD-1 received - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. Corrected HUD-1 attached. - Seller-04/30/2025 <br>Counter-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Maximum PPP calculation on Note page reflects $1821.69; however HUD reflect Maximum PPP iao $1822.54. A difference of $0.85. Provide updated HUD with correct PPP iao $1821.69<br> - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Maximum PPP calculation on Note page reflects $1821.69; however HUD reflect Maximum PPP iao $1822.54. A difference of $0.85. Provide updated HUD with correct PPP iao $1821.69 - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. Corrected HUD-1 attached. - Seller-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Corrected HUD-1 received - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | MD | Investment | Purchase | NA | 3985050 | N/A | N/A |
| XXXX | xxxxx3907 | XXXX |  | Closed | 2025-04-23 10:30 | 2025-04-30 12:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/30/2025 <br> Resolved-HOI Policy received for subject property. See Data Discrepancy- Prepayment Penalty Finding for document - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Provide HOI Policy with an effective date on or prior to XXXX - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/30/2025 <br> Resolved-HOI Policy received for subject property. See Data Discrepancy- Prepayment Penalty Finding for document - Due Diligence Vendor-04/30/2025 | XXXX |  |  | MD | Investment | Purchase | NA | 3935047 | N/A | N/A |
| XXXX | xxxxx3841 | XXXX |  | Closed | 2025-05-05 18:04 | 2025-05-07 17:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-the COC was provided for the discount points - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-provide the COC associated with the initial CD on XXXX - Due Diligence Vendor-05/05/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-the COC was provided for the discount points - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4046337 | N/A | N/A |
| XXXX | xxxxx3841 | XXXX |  | Closed | 2025-05-05 18:04 | 2025-05-07 17:35 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-05/07/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _222___ and the Final Closing disclosure on Pg#'s _115___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __245___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_302__ , and copy of the appraisal was given to the borrower – see Pg#'s ___19__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/05/2025 <br>Open-The loan's (8.596%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/05/2025 |  | Resolved-. - Due Diligence Vendor-05/07/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _222___ and the Final Closing disclosure on Pg#'s _115___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __245___ An interior and exterior appraisal was completed for this property – see pg _21___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_302__ , and copy of the appraisal was given to the borrower – see Pg#'s ___19__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/05/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4046338 | N/A | N/A |
| XXXX | xxxxx3841 | XXXX |  | Closed | 2025-04-28 10:28 | 2025-05-05 18:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the initial CD - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Counter-We did not receive the initial CD. We did receive the Tracking document - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure Is missing in file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-received the initial CD - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3976361 | N/A | N/A |
| XXXX | xxxxx3841 | XXXX |  | Closed | 2025-04-28 09:39 | 2025-05-01 19:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received the corrected Insurance policy - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Hazard Insurance Policy Partially Provided Policy Number information is missing in Hazard Insurance document. <br> Provide the insurance policy showing " ISAOA/ATIMA" statement - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received the corrected Insurance policy - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3976144 | N/A | N/A |
| XXXX | xxxxx3878 | XXXX |  | Closed | 2025-05-01 16:12 | 2025-05-02 12:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4016619 | N/A | N/A |
| XXXX | xxxxx3878 | XXXX |  | Closed | 2025-05-01 16:06 | 2025-05-02 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/01/2025 <br>Open-Provide Asset Worksheet - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/01/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4016552 | N/A | N/A |
| XXXX | xxxxx3878 | XXXX |  | Closed | 2025-05-02 12:53 | 2025-05-02 12:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.965%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 180 and the Final Closing disclosure on page 192 reflects escrows. Rate lock date was entered correctly – see page 202. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 262 and copy of the appraisal was given to the borrower – see page 689-90. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025 |  | Resolved-The loan's (8.965%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 180 and the Final Closing disclosure on page 192 reflects escrows. Rate lock date was entered correctly – see page 202. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 262 and copy of the appraisal was given to the borrower – see page 689-90. The loan meets HPML guidelines - Due Diligence Vendor-05/02/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 4025984 | N/A | N/A |
| XXXX | xxxxx3887 | XXXX |  | Closed | 2025-04-29 15:52 | 2025-04-29 16:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 195 and the Final Closing disclosure on page 92 reflects escrows. Rate lock date was entered correctly – see page 210. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 240 and copy of the appraisal was given to the borrower – see page 84. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025 <br>Open-The loan's (8.744%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 195 and the Final Closing disclosure on page 92 reflects escrows. Rate lock date was entered correctly – see page 210. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 240 and copy of the appraisal was given to the borrower – see page 84. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3993457 | N/A | N/A |
| XXXX | xxxxx3887 | XXXX |  | Closed | 2025-04-29 15:52 | 2025-04-29 15:53 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Corrected date to XXXX on Initial CD - typo - Due Diligence Vendor-04/29/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-Corrected date to XXXX on Initial CD - typo - Due Diligence Vendor-04/29/2025 |  |  |  | GA | Primary Residence | Purchase | NA | 3993458 | N/A | N/A |
| XXXX | xxxxx3887 | XXXX |  | Closed | 2025-04-25 17:43 | 2025-04-29 15:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD Received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Initial CD Received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3965866 | N/A | N/A |
| XXXX | xxxxx3887 | XXXX |  | Closed | 2025-04-25 17:27 | 2025-04-29 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Rental Ledger received - Due Diligence Vendor-04/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Provide VOR - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Rental Ledger received - Due Diligence Vendor-04/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3965603 | N/A | N/A |
| XXXX | xxxxx3887 | XXXX |  | Closed | 2025-04-25 17:33 | 2025-04-29 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Asset Worksheet received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Provide Asset Worksheet - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3965692 | N/A | N/A |
| XXXX | xxxxx2655 | XXXX |  | Closed | 2025-04-29 12:03 | 2025-04-29 12:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 373 and the Final Closing disclosure on page 159 reflects escrows. Rate lock date was entered correctly – see page Findings. An interior and exterior appraisal was completed for this property – see page 42, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025 <br>Open-The loan's (8.942%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 373 and the Final Closing disclosure on page 159 reflects escrows. Rate lock date was entered correctly – see page Findings. An interior and exterior appraisal was completed for this property – see page 42, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3990219 | N/A | N/A |
| XXXX | xxxxx2655 | XXXX |  | Closed | 2025-04-29 12:03 | 2025-04-29 12:08 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 373 and the Final Closing disclosure on page 159 reflects escrows. Rate lock date was entered correctly – see page Findings. An interior and exterior appraisal was completed for this property – see page 42, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.942%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.66%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 373 and the Final Closing disclosure on page 159 reflects escrows. Rate lock date was entered correctly – see page Findings. An interior and exterior appraisal was completed for this property – see page 42, the appraisal disclosure was provided to the borrower(s)- see page 494 and copy of the appraisal was given to the borrower – see page 139, 141. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3990218 | N/A | N/A |
| XXXX | xxxxx2655 | XXXX |  | Closed | 2025-04-24 19:22 | 2025-04-29 12:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and COC received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Revised LE, Initial CD and COC received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3955247 | N/A | N/A |
| XXXX | xxxxx2655 | XXXX |  | Closed | 2025-04-24 19:20 | 2025-04-29 11:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3955217 | N/A | N/A |
| XXXX | xxxxx2655 | XXXX |  | Closed | 2025-04-24 19:05 | 2025-04-24 19:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.57 month(s) are less than Guideline Required Reserves of 3 month(s) Exception Approved<br> Exception Approval page 387<br> Exception Reason: Reserves- Loan File 2.57 months, GL Requirement Minimum 3 months - Due Diligence Vendor-04/24/2025 |  | Waived-Audited Reserves of 2.57 month(s) are less than Guideline Required Reserves of 3 month(s) Exception Approved<br> Exception Approval page 387<br> Exception Reason: Reserves- Loan File 2.57 months, GL Requirement Minimum 3 months - Due Diligence Vendor-04/24/2025<br>|  |  | DTI- Loan File 38.25%, GL Requirement Max 50%<br> Credit Report - Loan File 762, GL Requirement Min 700<br> Residual Income- Loan File $4638.27, GL Requirement $1500 + $150 x3 dependents = $1950 | MD | Primary Residence | Purchase | NA | 3955015 | Originator Pre-Close | Yes |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-04-30 12:28 | 2025-05-08 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-received the Initial CD - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-received the Initial CD - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 4001826 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-05 20:03 | 2025-05-08 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 4048579 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-05 20:50 | 2025-05-08 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/07/2025 <br>Open-provide the home loan toolkit - Due Diligence Vendor-05/05/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4049507 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-05 20:52 | 2025-05-08 15:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/07/2025 <br>Open- - Due Diligence Vendor-05/05/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4049539 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-07 17:09 | 2025-05-07 17:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __266__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __19__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s __63___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/07/2025 <br>Open-The loan's (8.935%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/07/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __266__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __19__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_findings__ , and copy of the appraisal was given to the borrower – see Pg#'s __63___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4071466 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-04-30 12:30 | 2025-05-07 17:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received the initial LE - Due Diligence Vendor-05/07/2025 <br>Open-TRID: Missing Loan Estimate - Due Diligence Vendor-04/30/2025 |  | Resolved-Received the initial LE - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4001831 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-07 17:09 | 2025-05-07 17:12 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025 <br> Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) open - Due Diligence Vendor-05/07/2025 |  | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4071464 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-07 17:09 | 2025-05-07 17:12 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025 <br> Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) open - Due Diligence Vendor-05/07/2025 |  | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4071465 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-05-07 17:09 | 2025-05-07 17:12 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) open - Due Diligence Vendor-05/07/2025 |  | Resolved-corrected the dates in the system to the correct dates - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4071467 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-04-30 09:05 | 2025-05-07 17:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Open-The Initial 1003 is Missing. Provide all 3 borrowers initial 1003's - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 4000667 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-04-30 12:45 | 2025-05-07 16:53 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Received the Affiliated business Arrangement disclosure - Due Diligence Vendor-05/07/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Received the Affiliated business Arrangement disclosure - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4001948 | N/A | N/A |
| XXXX | xxxxx4071 | XXXX |  | Closed | 2025-04-30 12:42 | 2025-05-07 16:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received the Intent to proceed document - Due Diligence Vendor-05/07/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-04/30/2025 |  | Resolved-Received the Intent to proceed document - Due Diligence Vendor-05/07/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 4001919 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-04-28 09:40 | 2025-05-05 16:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD was provided - Due Diligence Vendor-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Counter-The initial CD was not provided, we did receive other documents that resolved other issues. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing discloser is missing in file. - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-the initial CD was provided - Due Diligence Vendor-05/05/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3976154 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-05-05 16:36 | 2025-05-05 16:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _346___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _51___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_468__ , and copy of the appraisal was given to the borrower – see Pg#'s __219___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/05/2025 <br>Open-The loan's (8.983%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/05/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _346___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _Findings____ An interior and exterior appraisal was completed for this property – see pg _51___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_468__ , and copy of the appraisal was given to the borrower – see Pg#'s __219___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/05/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 4044961 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-05-05 16:36 | 2025-05-05 16:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received the COC. - Due Diligence Vendor-05/05/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/05/2025 |  | Resolved-Received the COC. - Due Diligence Vendor-05/05/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 4044960 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-04-30 19:49 | 2025-05-01 19:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-The UW added 3 months to the reserves for lack of housing history - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Primary Housing Rent is $1000 Unable to Verifying VOM missing in file Considered as 0 months. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-The UW added 3 months to the reserves for lack of housing history - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4008877 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-04-30 20:04 | 2025-05-01 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/01/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/01/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 4009106 | N/A | N/A |
| XXXX | xxxxx3920 | XXXX |  | Closed | 2025-04-30 20:04 | 2025-05-01 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/30/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/01/2025<br>|  |  |  | CO | Primary Residence | Purchase | NA | 4009107 | N/A | N/A |
| XXXX | xxxxx3012 | XXXX |  | Closed | 2025-05-01 06:54 | 2025-05-07 12:23 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/07/2025 <br> Resolved-Resolved - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Revised CD issued XXXX is in loan file. Provide Initial CD dated 3 business days before the consummation date of XXXX, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/07/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4011440 | N/A | N/A |
| XXXX | xxxxx4067 | XXXX |  | Closed | 2025-05-13 15:06 | 2025-05-13 15:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _440___ and the Final Closing disclosure on Pg#'s 266____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_510__ , and copy of the appraisal was given to the borrower – see Pg#'s _505____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.534%) equals or exceeds the California HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/13/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _440___ and the Final Closing disclosure on Pg#'s 266____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_510__ , and copy of the appraisal was given to the borrower – see Pg#'s _505____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4126969 | N/A | N/A |
| XXXX | xxxxx4067 | XXXX |  | Closed | 2025-05-13 15:06 | 2025-05-13 15:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _440___ and the Final Closing disclosure on Pg#'s 266____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_510__ , and copy of the appraisal was given to the borrower – see Pg#'s _505____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2025 <br>Open-The loan's (8.534%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/13/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _440___ and the Final Closing disclosure on Pg#'s 266____ reflects escrows. Rate lock date was entered correctly – see Pg#'s __Finding___ An interior and exterior appraisal was completed for this property – see pg __51__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_510__ , and copy of the appraisal was given to the borrower – see Pg#'s _505____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/13/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 4126970 | N/A | N/A |
| XXXX | xxxxx4067 | XXXX |  | Closed | 2025-05-08 06:01 | 2025-05-13 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial CD in file - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025<br>| Resolved-Received the initial CD. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4077833 | N/A | N/A |
| XXXX | xxxxx4067 | XXXX |  | Closed | 2025-05-09 21:55 | 2025-05-13 14:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4101668 | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxx1349 |  | XXXX | XXXX D A |
| xxxxx1356 |  | XXXX | XXXX A |
| xxxxx1291 | XX | XXXX | XXXX A D |
| xxxxx2694 |  | XXXX | XXXX D A |
| xxxxx3785 |  | XXXX | XXXX A D |
| xxxxx2600 |  | XXXX | XXXX B C A |
| xxxxx3739 |  | XXXX | XXXX A |
| xxxxx2554 |  | XXXX | XXXX D A |
| xxxxx2590 |  | XXXX | XXXX C A |
| xxxxx2407 |  | XXXX | XXXX D A |
| xxxxx2687 |  | XXXX | XXXX D A B |
| xxxxx2561 |  | XXXX | XXXX A D |
| xxxxx2657 |  | XXXX | XXXX A D |
| xxxxx2681 |  | XXXX | XXXX D A |
| xxxxx3791 |  | XXXX | XXXX D A |
| xxxxx1290 |  | XXXX | XXXX D A B |
| xxxxx2523 |  | XXXX | XXXX A D |
| xxxxx2680 |  | XXXX | XXXX D A |
| xxxxx2679 |  | XXXX | XXXX A D |
| xxxxx2708 |  | XXXX | XXXX A D |
| xxxxx2622 |  | XXXX | XXXX A D |
| xxxxx3790 |  | XXXX | XXXX A D |
| xxxxx3818 |  | XXXX | XXXX B A |
| xxxxx3806 |  | XXXX | XXXX A D |
| xxxxx3965 |  | XXXX | XXXX A D |
| xxxxx3907 |  | XXXX | XXXX C A |
| xxxxx3841 |  | XXXX | XXXX D A |
| xxxxx3878 |  | XXXX | XXXX D A |
| xxxxx3887 |  | XXXX | XXXX D A |
| xxxxx2655 |  | XXXX | XXXX B D A |
| xxxxx4071 |  | XXXX | XXXX B D A |
| xxxxx3920 |  | XXXX | XXXX D A |
| xxxxx3012 |  | XXXX | XXXX A C |
| xxxxx4067 |  | XXXX | XXXX A D |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxx1349 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| xxxxx1356 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx1291 | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2694 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx3785 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxx2600 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx3739 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2554 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2590 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2407 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.18 | 66.18 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxx2687 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2561 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2657 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2681 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx3791 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxx1290 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| xxxxx2523 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| xxxxx2680 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| xxxxx2679 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | -28000 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | -28000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| xxxxx2708 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.29 | 75.29 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| xxxxx2622 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.72 | 66.72 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| xxxxx3790 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx3818 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 40.92 | 40.92 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| xxxxx3806 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| xxxxx3965 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxx3907 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| xxxxx3841 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.77 | 65.77 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx3878 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| xxxxx3887 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx2655 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| xxxxx4071 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| xxxxx3920 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 77.33 | 77.33 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx3012 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| xxxxx4067 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.44 | 44.44 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | xxxxx1349 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2450 | Appraisal - 1007 |  | N/A |  |  | 2450 | Appraisal - 1007 | No | 92.64 | 1.079 | 1.079 | 2269.63 | 2800 | 08-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14700 |  |  | 0 | 2450 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 31.51 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  |  |
| XXXX | xxxxx3818 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2375 | Appraisal - 1007 |  | N/A |  |  | 2375 | Appraisal - 1007 | No | 70.93 | 1.421 | 1.41 | 1684.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31761 |  |  |  | 2375 |  |  |  |  |  |  | No | No | 4.5 | 1 | 1 | N/A | 91.02 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  |  |
| XXXX | xxxxx3907 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1970 | Appraisal - 1007 |  | N/A |  |  | 1970 | Appraisal - 1007 | No | 92.9 | 1.076 | 1.076 | 1830.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1970 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 98.74 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRPM 2025-RCF3, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from July 1991 through January 2025 via files imaged and provided by the Client's designee for review.

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

The initial population consisted of 590 mortgage loans.

---

| | |
|:---|:---|
| The mortgage loan review sample was broken down into the following review scopes: | The mortgage loan review sample was broken down into the following review scopes: |
| \* "Credit and Compliance Review": | 362 mortgage loans |
| \* "Compliance Only Review": | 193 mortgage loans |
| \* "Business Purpose Review": | 35 mortgage loans |

---

The final population of the Review covered 590 mortgage loans totaling an aggregate original principal balance of approximately $147.341 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Index Value | &nbsp;&nbsp;Original Interest Rate Period |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Initial Maximum | &nbsp;&nbsp;Originator Application Date |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Initial Minimum | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;Payment Adjustment Frequency Months |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Payment Change Frequency |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;PMI Company |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PMI MI Certificate Number |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Line Limit | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Rounding Factor |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Rounding Method |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Flood Certificate/Order Number | &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Flood Insurance Annual Premium | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Hazard Insurance Annual Premium | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

1 \| P a g e

![](ex99-6_001.jpg)

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

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

**<u>CREDIT REVIEW</u>**

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

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

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

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

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![](ex99-6_001.jpg)

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

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

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

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

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

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

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

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

**<u>DATA COLLECTION</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

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**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of
terms or costs provided prior to receipt of a LE contained the required disclosures;

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

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vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

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

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

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

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

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

**(9) Disclaimer**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were five hundred ninety (590) loans in the securitization population reviewed by AMC. After all documents were presented, under DBRS NRSRO grading criteria forty-five (45) (7.63%) of loans had an Overall grade of "A", two hundred fifty-seven (257) (43.56%) of the loans generated an Overall grade of "B", one hundred fifty-six (156) (26.44%) of loans had an Overall grade of "C", and one hundred thirty-two (132) (22.37%) of loans had an Overall grade of "D". After all documents were presented, under Fitch NRSRO grading criteria forty-four (44) (7.46%) of loans had an Overall grade of "A", two hundred eighty (280) (47.46%) of loans had an Overall grade of "B", one hundred seventy-nine (179) (30.34%) of loans had an Overall grade of "C", and eighty-seven (87) (14.75%) of loans has an Overall grade of "D".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** | &nbsp;&nbsp;**DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;7.63% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;257 | &nbsp;&nbsp;43.56% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;156 | &nbsp;&nbsp;26.44% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;132 | &nbsp;&nbsp;22.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** | &nbsp;&nbsp;**Fitch Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;44 | &nbsp;&nbsp;7.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;280 | &nbsp;&nbsp;47.46% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;179 | &nbsp;&nbsp;30.34% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;87 | &nbsp;&nbsp;14.75% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred ninety-three (193) loans were reviewed to a Compliance Only Scope and therefore not included in the credit results summary. There was also one (1) loan reviewed to an RPL script and doesn't have a Credit grade due to seasoning. Three hundred ninety-six (396) loans were reviewed in the credit review scope. Sixty-three (63) (15.91%) loans reviewed received an "A" Credit grade, one hundred fifty-four (154) (38.89%) loans reviewed received a "B" Credit grade, one hundred seventy-one (171) (43.18%) loans reviewed received a "C" Credit grade, and eight (8) (2.02%) loans received a "D" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** | &nbsp;&nbsp;**DBRS and Fitch Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;15.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;154 | &nbsp;&nbsp;38.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;171 | &nbsp;&nbsp;43.18% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**396** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Thirty-five (35) loans were reviewed on a business purpose scope and therefore not included in the compliance results summary. After all documents were presented, under DBRS NRSRO grading criteria ninety-four (94) (16.94%) loans had a Compliance review grade of "A", three hundred forty-five (345) (62.16%) loans had a Compliance review grade of "B", ninety (90) (16.22%) loans had a Compliance review grade of "C", and twenty-six (26) (4.68%) had a Compliance review grade of "D". After all documents were presented, under Fitch NRSRO grading criteria eighty-two (82) (14.77%) loans had a Compliance review grade of "A", three hundred fifty-three (353) (63.60%) loans had a Compliance review grade of "B", ninety-four (94) (16.94%) loans had a Compliance review grade of "C", and twenty-six (26) (4.68%) loan had a Compliance review grade of "D".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** | &nbsp;&nbsp;**DBRS Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &nbsp;&nbsp;16.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;345 | &nbsp;&nbsp;62.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;90 | &nbsp;&nbsp;16.22% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;26 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**555** | &nbsp;&nbsp;**100.00%** |

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&nbsp;&nbsp;**Fitch Compliance Loan Grades**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &nbsp;&nbsp;14.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;353 | &nbsp;&nbsp;63.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;94 | &nbsp;&nbsp;16.94% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;26 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**555** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

One hundred ninety-three (193) loans were reviewed on a compliance only scope and therefore not included in the Property results summary. Also, one (1) loan reviewed to an RPL script and doesn't have a Property grade due to seasoning. After all documents were presented, under DBRS NRSRO grading criteria two hundred seventy-seven (277) (69.95%) loans had a Property/Valuation grade of "A", one (1) (0.25%) loan had a Property/Valuation grade of "B", sixteen (16) (4.04%) loans had a Property/Valuation grade of "C", and one hundred two (102) (25.76%) loans had a Property/Valuation grade of "D". After all documents were presented, under Fitch NRSRO grading criteria three hundred twenty-six (326) (82.32%) loans had a Property/Valuation grade of "A", six (6) (1.52%) loan had a Property/Valuation grade of "B", eight (8) (2.02%) loans had a Property/Valuation grade of "C", and fifty-six (56) (14.14%) loans had a Property/Valuation grade of "D".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** | &nbsp;&nbsp;**DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;277 | &nbsp;&nbsp;69.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;16 | &nbsp;&nbsp;4.04% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;102 | &nbsp;&nbsp;25.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**396** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** | &nbsp;&nbsp;**Fitch Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;326 | &nbsp;&nbsp;82.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.52% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;56 | &nbsp;&nbsp;14.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**396** | &nbsp;&nbsp;**100.00%** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the five hundred ninety (590) loans reviewed, five hundred thirty-six (536) unique loans had two thousand three hundred ninety (2,390) different tape discrepancies across ninety- two (92) data fields (some Loans had more than one data delta). The most variances were found on Doc Type, Contract Sales Price, and Maturity Date.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;18 | &nbsp;&nbsp;385 | &nbsp;&nbsp;4.68% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;42 | &nbsp;&nbsp;280 | &nbsp;&nbsp;15.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;20 | &nbsp;&nbsp;158 | &nbsp;&nbsp;12.66% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;77 | &nbsp;&nbsp;212 | &nbsp;&nbsp;36.32% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;19 | &nbsp;&nbsp;264 | &nbsp;&nbsp;7.20% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;27 | &nbsp;&nbsp;245 | &nbsp;&nbsp;11.02% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;17 | &nbsp;&nbsp;21 | &nbsp;&nbsp;80.95% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;42 | &nbsp;&nbsp;279 | &nbsp;&nbsp;15.05% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;38 | &nbsp;&nbsp;79 | &nbsp;&nbsp;48.10% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;31 | &nbsp;&nbsp;154 | &nbsp;&nbsp;20.13% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;8 | &nbsp;&nbsp;482 | &nbsp;&nbsp;1.66% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;14 | &nbsp;&nbsp;97 | &nbsp;&nbsp;14.43% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;97 | &nbsp;&nbsp;4.12% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;38 | &nbsp;&nbsp;31.58% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;13 | &nbsp;&nbsp;63 | &nbsp;&nbsp;20.63% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;142 | &nbsp;&nbsp;285 | &nbsp;&nbsp;49.82% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;169 | &nbsp;&nbsp;182 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;44 | &nbsp;&nbsp;51 | &nbsp;&nbsp;86.27% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;504 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Flood Certificate/Order Number | &nbsp;&nbsp;5 | &nbsp;&nbsp;47 | &nbsp;&nbsp;10.64% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Flood Insurance Annual Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Hazard Insurance Annual Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;20 | &nbsp;&nbsp;85.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Index Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Collection Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;304 | &nbsp;&nbsp;0.33% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;38 | &nbsp;&nbsp;49 | &nbsp;&nbsp;77.55% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;10 | &nbsp;&nbsp;12 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Initial Maximum | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Initial Minimum | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;15 | &nbsp;&nbsp;19 | &nbsp;&nbsp;78.95% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate Life Max | &nbsp;&nbsp;50 | &nbsp;&nbsp;57 | &nbsp;&nbsp;87.72% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;13 | &nbsp;&nbsp;16 | &nbsp;&nbsp;81.25% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;47 | &nbsp;&nbsp;56 | &nbsp;&nbsp;83.93% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;25 | &nbsp;&nbsp;28 | &nbsp;&nbsp;89.29% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;65 | &nbsp;&nbsp;243 | &nbsp;&nbsp;26.75% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;370 | &nbsp;&nbsp;0.54% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Line Limit | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;27 | &nbsp;&nbsp;175 | &nbsp;&nbsp;15.43% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;27 | &nbsp;&nbsp;34 | &nbsp;&nbsp;79.41% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;129 | &nbsp;&nbsp;480 | &nbsp;&nbsp;26.88% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;58 | &nbsp;&nbsp;65 | &nbsp;&nbsp;89.23% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;26 | &nbsp;&nbsp;67 | &nbsp;&nbsp;38.81% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Next Interest Rate Change Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;41 | &nbsp;&nbsp;90.24% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;500 | &nbsp;&nbsp;5.80% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;27 | &nbsp;&nbsp;478 | &nbsp;&nbsp;5.65% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;47 | &nbsp;&nbsp;356 | &nbsp;&nbsp;13.20% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;40 | &nbsp;&nbsp;400 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original Interest Rate Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;35 | &nbsp;&nbsp;564 | &nbsp;&nbsp;6.21% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;39 | &nbsp;&nbsp;416 | &nbsp;&nbsp;9.38% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;115 | &nbsp;&nbsp;396 | &nbsp;&nbsp;29.04% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;76 | &nbsp;&nbsp;432 | &nbsp;&nbsp;17.59% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Originator Application Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;42 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Other Financing - Lien Position 2 - Current Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Payment Adjustment Frequency Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Payment Change Frequency | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;PMI Company | &nbsp;&nbsp;13 | &nbsp;&nbsp;32 | &nbsp;&nbsp;40.63% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;70 | &nbsp;&nbsp;125 | &nbsp;&nbsp;56.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;PMI MI Certificate Number | &nbsp;&nbsp;2 | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;37 | &nbsp;&nbsp;8.11% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;97 | &nbsp;&nbsp;532 | &nbsp;&nbsp;18.23% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;93 | &nbsp;&nbsp;531 | &nbsp;&nbsp;17.51% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;112 | &nbsp;&nbsp;196 | &nbsp;&nbsp;57.14% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;21 | &nbsp;&nbsp;279 | &nbsp;&nbsp;7.53% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Rounding Factor | &nbsp;&nbsp;32 | &nbsp;&nbsp;40 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Rounding Method | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;483 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;49 | &nbsp;&nbsp;364 | &nbsp;&nbsp;13.46% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;25 | &nbsp;&nbsp;28.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;12 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;26 | &nbsp;&nbsp;476 | &nbsp;&nbsp;5.46% | &nbsp;&nbsp;590 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2390** | &nbsp;&nbsp;**12897** | &nbsp;&nbsp;**18.53%** | &nbsp;&nbsp;**590** |

---

16 \| P a g e

![](ex99-6_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;517 | &nbsp;&nbsp;87.63% | &nbsp;&nbsp;$125699676.72 | &nbsp;&nbsp;85.31% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;73 | &nbsp;&nbsp;12.37% | &nbsp;&nbsp;$21641614.91 | &nbsp;&nbsp;14.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;471 | &nbsp;&nbsp;79.83% | &nbsp;&nbsp;$139000515.89 | &nbsp;&nbsp;94.34% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;119 | &nbsp;&nbsp;20.17% | &nbsp;&nbsp;$8340775.74 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;79 | &nbsp;&nbsp;13.39% | &nbsp;&nbsp;$16572631.22 | &nbsp;&nbsp;11.25% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;$317584.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;234 | &nbsp;&nbsp;39.66% | &nbsp;&nbsp;$40835695.51 | &nbsp;&nbsp;27.72% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$1616000.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;70 | &nbsp;&nbsp;11.86% | &nbsp;&nbsp;$19938665.00 | &nbsp;&nbsp;13.53% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;148 | &nbsp;&nbsp;25.08% | &nbsp;&nbsp;$53607114.00 | &nbsp;&nbsp;36.38% |
| &nbsp;&nbsp;Rate/Term Refinance - Lender Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$348216.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;37 | &nbsp;&nbsp;6.27% | &nbsp;&nbsp;$8767228.23 | &nbsp;&nbsp;5.95% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$1089300.00 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.54% | &nbsp;&nbsp;$4248857.67 | &nbsp;&nbsp;2.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-6_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.34% | &nbsp;&nbsp;$91500.00 | &nbsp;&nbsp;0.06% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;33 | &nbsp;&nbsp;5.59% | &nbsp;&nbsp;$5087369.61 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;109 | &nbsp;&nbsp;18.47% | &nbsp;&nbsp;$7754489.86 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;434 | &nbsp;&nbsp;73.56% | &nbsp;&nbsp;$130543185.11 | &nbsp;&nbsp;88.60% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$3864747.05 | &nbsp;&nbsp;2.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;348 | &nbsp;&nbsp;58.98% | &nbsp;&nbsp;$83751554.39 | &nbsp;&nbsp;56.84% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$1805898.00 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;30 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;$7818672.00 | &nbsp;&nbsp;5.31% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.53% | &nbsp;&nbsp;$5707304.00 | &nbsp;&nbsp;3.87% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;85 | &nbsp;&nbsp;14.41% | &nbsp;&nbsp;$25651894.14 | &nbsp;&nbsp;17.41% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$1188246.22 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.22% | &nbsp;&nbsp;$3054237.10 | &nbsp;&nbsp;2.07% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;26 | &nbsp;&nbsp;4.41% | &nbsp;&nbsp;$9932578.15 | &nbsp;&nbsp;6.74% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.02% | &nbsp;&nbsp;$1622400.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$445623.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Land | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$32600.00 | &nbsp;&nbsp;0.02% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$385000.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;47 | &nbsp;&nbsp;7.97% | &nbsp;&nbsp;$5945284.63 | &nbsp;&nbsp;4.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;502 | &nbsp;&nbsp;85.08% | &nbsp;&nbsp;$122529549.89 | &nbsp;&nbsp;83.16% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;65 | &nbsp;&nbsp;11.02% | &nbsp;&nbsp;$16147442.00 | &nbsp;&nbsp;10.96% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.20% | &nbsp;&nbsp;$6710387.00 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$1953912.74 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**590** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$147341291.63** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 6/19/2025 9:02:02 AM** | **Run Date - 6/19/2025 9:02:02 AM** | **Run Date - 6/19/2025 9:02:02 AM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 223597827 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 223597829 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223597831 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223597831 | XX | XX |  |  | Originator Loan Designation | Non QM | ATR Risk | Verified | Field value reflects source document |
| 223597833 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223597833 | XX | XX |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Home Improvement | Verified | LOX in file. |
| 223597833 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223618126 | XX | XX | XX |  | Original P&I | 6182.42 | 3639.27 | Verified | Field Value reflects Note value |
| 223618126 | XX | XX | XX |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618126 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618126 | XX | XX | XX |  | First Interest Rate Change Date | 2011-04-01 | 2011-03-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618126 | XX | XX | XX |  | Next Interest Rate Change Date | 2025-04-01 | 2025-03-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618126 | XX | XX | XX |  | Interest Rate Life Max | 5 | 11.125 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618126 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Refinance transaction. |
| 223618126 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618127 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618127 | XX | XX | XX |  | Original P&I | 5038.73 | 4303.93 | Verified | Field Value reflects Note value |
| 223618127 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618127 | XX | XX | XX |  | First Interest Rate Change Date |  | 2011-03-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618127 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-03-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618127 | XX | XX | XX |  | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618127 | XX | XX | XX |  | Interest Rate Life Max |  | 10.875 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618127 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618127 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618127 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618127 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618128 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618128 | XX | XX | XX |  | Original P&I | 1042.98 | 1319.41 | Verified | Field Value reflects Note value |
| 223618128 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-09-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618128 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-03-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618128 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618128 | XX | XX | XX |  | Interest Rate Life Max |  | 13.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618128 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618128 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618128 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223618128 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618128 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618129 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618129 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618129 | XX | XX | XX |  | Original P&I | 2368.13 | 2671.71 | Verified | Field Value reflects Note value |
| 223618129 | XX | XX | XX |  | First Interest Rate Change Date |  | 2008-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618129 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-05-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618129 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618129 | XX | XX | XX |  | Interest Rate Life Max |  | 13.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618129 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618129 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618129 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618130 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618130 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618130 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618130 | XX | XX | XX |  | Original Term | 467 | 360 | Verified | Field Value reflects the Note value |
| 223618130 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618130 | XX | XX | XX |  | Original P&I | 896.24 | 1407.62 | Verified | Field Value reflects Note value |
| 223618130 | XX | XX | XX |  | First Interest Rate Change Date |  | 2010-12-05 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618130 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-06-05 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618130 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618130 | XX | XX | XX |  | Interest Rate Life Max |  | 14.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618130 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618130 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618130 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618130 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618131 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223618131 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618131 | XX | XX | XX |  | Original P&I | 2457.14 | 2165.63 | Verified | Field Value reflects Note value |
| 223618131 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618131 | XX | XX | XX |  | First Interest Rate Change Date |  | 2010-10-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618131 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-10-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618131 | XX | XX | XX |  | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618131 | XX | XX | XX |  | Interest Rate Life Max |  | 10.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618131 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618131 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618131 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618131 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618132 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618132 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618132 | XX | XX | XX |  | Original P&I | 5119.83 | 5515.31 | Verified | Field Value reflects Note value |
| 223618132 | XX | XX | XX |  | First Interest Rate Change Date |  | 2018-01-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618132 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618132 | XX | XX | XX |  | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618132 | XX | XX | XX |  | Interest Rate Life Max |  | 11.625 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618132 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618132 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618132 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223618133 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618133 | XX | XX | XX |  | Original P&I | 4493.86 | 2588.83 | Verified | Field Value reflects Note value |
| 223618133 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618133 | XX | XX | XX |  | First Interest Rate Change Date | 2013-09-01 | 2013-08-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618133 | XX | XX | XX |  | Next Interest Rate Change Date | 2025-09-01 | 2025-08-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618133 | XX | XX | XX |  | Interest Rate Life Max | 5 | 10 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618133 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223618133 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618134 | XX | XX | XX |  | Original P&I | 4370.50 | 4094.55 | Verified | Field Value reflects Note value |
| 223618134 | XX | XX | XX |  | First Interest Rate Change Date | 2014-05-01 | 2014-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618134 | XX | XX | XX |  | Next Interest Rate Change Date | 2025-05-01 | 2025-04-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618134 | XX | XX | XX |  | Interest Rate Life Max | 5 | 10.125 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618134 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618134 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618134 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618135 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618135 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618135 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618135 | XX | XX | XX |  | Original P&I | 2558.10 | 1225.62 | Verified | Field Value reflects Note value |
| 223618135 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618135 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618135 | XX | XX | XX |  | First Interest Rate Change Date |  | 2011-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618135 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-04-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618135 | XX | XX | XX |  | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618135 | XX | XX | XX |  | Interest Rate Life Max |  | 9.625 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618135 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618135 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618135 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618135 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618135 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618136 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618136 | XX | XX | XX |  | Original P&I | 1751.42 | 2567.72 | Verified | Field Value reflects Note value |
| 223618136 | XX | XX | XX |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618136 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223618136 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618136 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618137 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618137 | XX | XX | XX |  | Original P&I | 3759.84 | 3448.76 | Verified | Field Value reflects Note value |
| 223618137 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618137 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618137 | XX | XX | XX |  | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618137 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618137 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618138 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618138 | XX | XX | XX |  | Original Term | 394 | 480 | Verified | Field Value reflects the Note value |
| 223618138 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618138 | XX | XX | XX |  | Original P&I | 1932.19 | 3156.00 | Verified | Field Value reflects Note value |
| 223618138 | XX | XX | XX |  | First Interest Rate Change Date |  | 2011-01-08 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618138 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-08 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618138 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618138 | XX | XX | XX |  | Interest Rate Life Max |  | 13.13 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618138 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618138 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618138 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618139 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618139 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618139 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618139 | XX | XX | XX |  | Original P&I | 1935.09 | 2855.00 | Verified | Field Value reflects Note value |
| 223618139 | XX | XX | XX |  | First Interest Rate Change Date |  | 2011-03-29 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618139 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-03-29 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618139 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618139 | XX | XX | XX |  | Interest Rate Life Max |  | 12.88 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618139 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618139 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618139 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618140 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618140 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618140 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618140 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618140 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618140 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618140 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618140 | XX | XX | XX |  | Original P&I | 913.38 | 1605.00 | Verified | Field Value reflects Note value |
| 223618140 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618141 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618141 | XX | XX | XX |  | Original Term | 453 | 180 | Verified | Field Value reflects the Note value |
| 223618141 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618141 | XX | XX | XX |  | Original P&I | 2584.21 | 5595.00 | Verified | Field Value reflects Note value |
| 223618141 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618141 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618141 | XX | XX | XX |  | First Interest Rate Change Date |  | 2008-12-12 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618141 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618141 | XX | XX | XX |  | Interest Rate Life Max |  | 15.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618141 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618141 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618141 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618141 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618141 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618142 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618142 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618142 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618142 | XX | XX | XX |  | Original P&I | 2591.19 | 4930.96 | Verified | Field Value reflects Note value |
| 223618142 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618142 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618142 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618143 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618143 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618143 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618143 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618143 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618143 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618143 | XX | XX | XX |  | Original P&I | 2952.83 | 5208.88 | Verified | Field Value reflects Note value |
| 223618143 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618143 | XX | XX | XX |  | First Interest Rate Change Date |  | 2010-08-08 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618143 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-02-08 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618143 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618143 | XX | XX | XX |  | Interest Rate Life Max |  | 14.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618143 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618143 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618143 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618143 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618143 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618144 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618144 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618144 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618144 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618144 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618144 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618144 | XX | XX | XX |  | Original P&I | 1692.19 | 2752.00 | Verified | Field Value reflects Note value |
| 223618144 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618144 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-07-31 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618144 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-31 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618144 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618144 | XX | XX | XX |  | Interest Rate Life Max |  | 13.13 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618144 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618144 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618144 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618144 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618144 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618145 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618145 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618145 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618145 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618145 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618145 | XX | XX | XX |  | Original Term | 480 | 240 | Verified | Field Value reflects the Note value |
| 223618145 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618145 | XX | XX | XX |  | Original P&I | 905.67 | 1536.34 | Verified | Field Value reflects Note value |
| 223618145 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223618145 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-10-30 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618145 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-04-30 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618145 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618145 | XX | XX | XX |  | Interest Rate Life Max |  | 13.63 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618145 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618145 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618145 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618146 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618146 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618146 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618146 | XX | XX | XX |  | Original P&I | 5389.02 | 4923.45 | Verified | Field Value reflects Note value |
| 223618146 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618147 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618147 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618147 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618147 | XX | XX | XX |  | Original P&I | 500.32 | 743.61 | Verified | Field Value reflects Note value |
| 223618147 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223618147 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618148 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618148 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618148 | XX | XX | XX |  | Original Term | 480 | 180 | Verified | Field Value reflects the Note value |
| 223618148 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618148 | XX | XX | XX |  | Original P&I | 584.46 | 1452.42 | Verified | Field Value reflects Note value |
| 223618148 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618148 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618148 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618149 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618149 | XX | XX | XX |  | Original Term | 480 | 300 | Verified | Field Value reflects the Note value |
| 223618149 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618149 | XX | XX | XX |  | Original P&I | 830.88 | 799.87 | Verified | Field Value reflects Note value |
| 223618149 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618149 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618150 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618150 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618150 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618150 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618150 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618150 | XX | XX | XX |  | Original Term | 480 | 300 | Verified | Field Value reflects the Note value |
| 223618150 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618150 | XX | XX | XX |  | Original P&I | 1506.54 | 2229.47 | Verified | Field Value reflects Note value |
| 223618150 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618150 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618150 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618150 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618150 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618151 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618151 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618151 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618151 | XX | XX | XX |  | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| 223618151 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618151 | XX | XX | XX |  | Original P&I | 1468.33 | 1579.01 | Verified | Field Value reflects Note value |
| 223618151 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223618151 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618151 | XX | XX | XX |  | First Interest Rate Change Date |  | 2010-03-29 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618151 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-03-29 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618151 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618151 | XX | XX | XX |  | Interest Rate Life Max |  | 13.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618151 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618151 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618151 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618151 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618151 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618152 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618152 | XX | XX | XX |  | Original Term | 376 | 480 | Verified | Field Value reflects the Note value |
| 223618152 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618152 | XX | XX | XX |  | Original P&I | 2737.74 | 2548.00 | Verified | Field Value reflects Note value |
| 223618152 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618152 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-10-11 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618152 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-04-11 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618152 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618152 | XX | XX | XX |  | Interest Rate Life Max |  | 13.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618152 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618152 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618152 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618152 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618152 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618153 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618153 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618153 | XX | XX | XX |  | Original P&I | 1669.35 | 1494.66 | Verified | Field Value reflects Note value |
| 223618153 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618153 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-07-22 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618153 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-22 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618153 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618153 | XX | XX | XX |  | Interest Rate Life Max |  | 13.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618153 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618153 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618154 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618154 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618154 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618154 | XX | XX | XX |  | Original P&I | 4501.26 | 4544.92 | Verified | Field Value reflects Note value |
| 223618154 | XX | XX | XX |  | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223618154 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618154 | XX | XX | XX |  | First Interest Rate Change Date | 2009-05-17 | 2009-04-17 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618154 | XX | XX | XX |  | Next Interest Rate Change Date | 2025-05-17 | 2025-04-17 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618154 | XX | XX | XX |  | Interest Rate Life Max | 0 | 13.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618154 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618154 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618154 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618155 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618155 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618155 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618155 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618155 | XX | XX | XX |  | Original P&I | 2904.91 | 2901.12 | Verified | Field Value reflects Note value |
| 223618155 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618155 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618156 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618156 | XX | XX | XX |  | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| 223618156 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618156 | XX | XX | XX |  | Original P&I | 560.15 | 974.90 | Verified | Field Value reflects Note value |
| 223618156 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618156 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618156 | XX | XX | XX |  | First Interest Rate Change Date |  | 2010-02-28 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618156 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-02-28 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618156 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618156 | XX | XX | XX |  | Interest Rate Life Max |  | 15.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618156 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618156 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618156 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618157 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618157 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618157 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223618157 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618157 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223618157 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618157 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618157 | XX | XX | XX |  | Original P&I | 1206.64 | 796.01 | Verified | Field Value reflects Note value |
| 223618157 | XX | XX | XX |  | Occupancy | Primary | UTD | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223618157 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618157 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618157 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618157 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618158 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618158 | XX | XX | XX |  | Original P&I | 1670.51 | 1600.67 | Verified | Field Value reflects Note value |
| 223618158 | XX | XX | XX |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618158 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618158 | XX | XX | XX |  | First Interest Rate Change Date |  | 2004-07-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618158 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618158 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618158 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618158 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618158 | XX | XX | XX |  | Rounding Factor |  | 0.001 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618158 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618158 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618159 | XX | XX | XX |  | Original Term | 560 | 360 | Verified | Field Value reflects the Note value |
| 223618159 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618159 | XX | XX | XX |  | Original P&I | 991.27 | 887.00 | Verified | Field Value reflects Note value |
| 223618159 | XX | XX | XX |  | Property Type | Condo (High Rise) | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618159 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618159 | XX | XX | XX |  | First Interest Rate Change Date |  | 2006-07-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618159 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618159 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618159 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618159 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618159 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618159 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618160 | XX | XX | XX |  | Original Term | 535 | 360 | Verified | Field Value reflects the Note value |
| 223618160 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618160 | XX | XX | XX |  | Original P&I | 2370.83 | 1377.13 | Verified | Field Value reflects Note value |
| 223618160 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618160 | XX | XX | XX |  | First Interest Rate Change Date |  | 2007-01-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618160 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618160 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618160 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618160 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618160 | XX | XX | XX |  | Rounding Factor |  | 0.001 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618160 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618161 | XX | XX | XX |  | Original Term | 375 | 360 | Verified | Field Value reflects the Note value |
| 223618161 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618161 | XX | XX | XX |  | Original P&I | 585.58 | 347.38 | Verified | Field Value reflects Note value |
| 223618161 | XX | XX | XX |  | First Interest Rate Change Date |  | 2007-07-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618161 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618161 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618161 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618161 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618161 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618161 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618162 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618162 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618162 | XX | XX | XX |  | Original P&I | 426.60 | 367.13 | Verified | Field Value reflects Note value |
| 223618162 | XX | XX | XX |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618162 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618162 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618163 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618163 | XX | XX | XX |  | Original Term | 388 | 360 | Verified | Field Value reflects the Note value |
| 223618163 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618163 | XX | XX | XX |  | Original P&I | 2232.59 | 2274.23 | Verified | Field Value reflects Note value |
| 223618163 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223618163 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618163 | XX | XX | XX |  | First Interest Rate Change Date |  | 2008-04-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618163 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-04-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618163 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618163 | XX | XX | XX |  | Interest Rate Life Max |  | 12.5 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618163 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618163 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618163 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618164 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618164 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618164 | XX | XX | XX |  | Original P&I | 1274.09 | 455.02 | Verified | Field Value reflects Note value |
| 223618164 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618164 | XX | XX | XX |  | First Interest Rate Change Date |  | 1997-12-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618164 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618164 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618164 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618164 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618164 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618164 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618165 | XX | XX | XX |  | Original Term | 376 | 360 | Verified | Field Value reflects the Note value |
| 223618165 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618165 | XX | XX | XX |  | Original P&I | 818.66 | 719.57 | Verified | Field Value reflects Note value |
| 223618165 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618165 | XX | XX | XX |  | First Interest Rate Change Date |  | 2005-07-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618165 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618165 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618165 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618165 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618165 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618165 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618166 | XX | XX | XX |  | Original Term | 579 | 360 | Verified | Field Value reflects the Note value |
| 223618166 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618166 | XX | XX | XX |  | Original P&I | 1045.47 | 641.93 | Verified | Field Value reflects Note value |
| 223618166 | XX | XX | XX |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618166 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618166 | XX | XX | XX |  | First Interest Rate Change Date |  | 2006-11-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618166 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618166 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618166 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618166 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618166 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618166 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618167 | XX | XX | XX |  | Original Term | 544 | 360 | Verified | Field Value reflects the Note value |
| 223618167 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618167 | XX | XX | XX |  | Original P&I | 1553.64 | 1101.62 | Verified | Field Value reflects Note value |
| 223618167 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618167 | XX | XX | XX |  | First Interest Rate Change Date |  | 2007-09-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618167 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618167 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618167 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618167 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618167 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618167 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618168 | XX | XX | XX |  | Original Term | 562 | 360 | Verified | Field Value reflects the Note value |
| 223618168 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618168 | XX | XX | XX |  | Original P&I | 2270.15 | 1061.42 | Verified | Field Value reflects Note value |
| 223618168 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618168 | XX | XX | XX |  | First Interest Rate Change Date |  | 2007-09-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618168 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618168 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618168 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618168 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618168 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618168 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618169 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618169 | XX | XX | XX |  | Original P&I | 5236.08 | 2982.95 | Verified | Field Value reflects Note value |
| 223618169 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618169 | XX | XX | XX |  | First Interest Rate Change Date |  | 2008-01-15 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618169 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2025-01-15 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618169 | XX | XX | XX |  | Interest Rate Change Frequency |  | 1 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223618169 | XX | XX | XX |  | Interest Rate Life Max |  | 11.95 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618169 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618169 | XX | XX | XX |  | Rounding Factor |  | 0.000 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223618169 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618169 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618170 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618170 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618170 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618170 | XX | XX | XX |  | Original P&I | 5102.96 | 4644.98 | Verified | Field Value reflects Note value |
| 223618170 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618170 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Purpose is Purchase |
| 223618170 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618171 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223618171 | XX | XX | XX |  | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 223618171 | XX | XX | XX |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Interest Rate Change Frequency | 180 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Interest Rate Life Min | 0 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Interest Rate Life Max | 0 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Interest Rate Life Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Interest Rate Periodic Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | First Payment Change Date | 2021-04-01 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Rounding Factor | 0.000 |  | Verified | Unable to verify due to missing information |
| 223618171 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618171 | XX | XX | XX |  | Index Value | 0 |  | Verified | Field Value reflects 'Index Value' per the Note |
| 223618171 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618171 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618173 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Tape Value reflects the Modification value |
| 223618173 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Tape Value reflects Modification Maturity Date |
| 223618173 | XX | XX | XX |  | Original Interest Rate | 0 | 4.625 | Verified | Field Value reflects the Note value |
| 223618173 | XX | XX | XX |  | Property Type | Multi (Blanket) | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618174 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618174 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618174 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618174 | XX | XX | XX |  | Original P&I | 3174.26 | 2423.58 | Verified | Field Value reflects Note value |
| 223618174 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618174 | XX | XX | XX |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618174 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618174 | XX | XX | XX |  | Flood Certificate/Order Number | SL2112615402 | 2139318758 | Verified | Field value reflects source document |
| 223618175 | XX | XX | XX |  | Original P&I | 4636.42 | 2331.70 | Verified | Field Value reflects Note value |
| 223618175 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618175 | XX | XX | XX |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618175 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | PMI info provided, missing PMI cert |
| 223618175 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618175 | XX | XX | XX |  | PMI MI Certificate Number | [redacted] | [redacted] | Verified | PMI info provided, missing PMI cert |
| 223618176 | XX | XX | XX |  | Original P&I | 1267.99 | 644.07 | Verified | Field Value reflects Note value |
| 223618176 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618176 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618176 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618177 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618177 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618177 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618177 | XX | XX | XX |  | Original P&I | 2156.37 | 2017.48 | Verified | Field Value reflects Note value |
| 223618177 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618177 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618177 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | The subject loan transaction is a purchase. |
| 223618177 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618178 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618178 | XX | XX | XX |  | Original P&I | 5344.22 | 2624.88 | Verified | Field Value reflects Note value |
| 223618178 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618178 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | n/a - refinance |
| 223618178 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618178 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618178 | XX | XX | XX |  | Flood Certificate/Order Number | SL2108310003 | 2108310003 | Verified | Field value reflects source document |
| 223618179 | XX | XX | XX |  | Original P&I | 3790.53 | 2680.88 | Verified | Field Value reflects Note value |
| 223618179 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618179 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618179 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618179 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618179 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618180 | XX | XX | XX |  | Original P&I | 1521.87 | 1045.78 | Verified | Field Value reflects Note value |
| 223618180 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618180 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618180 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618180 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618180 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618181 | XX | XX | XX |  | Original P&I | 2187.13 | 1869.85 | Verified | Field Value reflects Note value |
| 223618181 | XX | XX | XX |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618181 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618182 | XX | XX | XX |  | Original P&I | 2076.74 | 1443.01 | Verified | Field Value reflects Note value |
| 223618182 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618182 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618182 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618182 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618183 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618183 | XX | XX | XX |  | Original P&I | 2042.61 | 1134.17 | Verified | Field Value reflects Note value |
| 223618183 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618183 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Loan is a refinance. |
| 223618183 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618183 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618184 | XX | XX | XX |  | Original P&I | 2178.58 | 1692.86 | Verified | Field Value reflects Note value |
| 223618184 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618184 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618184 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618184 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618185 | XX | XX | XX |  | Original P&I | 1221.68 | 924.00 | Verified | Field Value reflects Note value |
| 223618185 | XX | XX | XX |  | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618185 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618185 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618185 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618186 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618186 | XX | XX | XX |  | Original P&I | 2019.70 | 2736.31 | Verified | Field Value reflects Note value |
| 223618186 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618186 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618186 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 223618186 | XX | XX | XX |  | Refi Purpose | Limited Cash-out GSE |  | Verified | Unable to verify due to missing information |
| 223618186 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618187 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223618187 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223618187 | XX | XX | XX |  | Original P&I | 4442.46 | 1481.25 | Verified | Field Value reflects Note value |
| 223618187 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223618187 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618187 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 223618187 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618187 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618188 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618188 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618188 | XX | XX | XX |  | Original P&I | 3022.97 | 2246.11 | Verified | Field Value reflects Note value |
| 223618188 | XX | XX | XX |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618188 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618188 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618188 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618188 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618188 | XX | XX | XX |  | Flood Certificate/Order Number | XX | XX | Verified | Field value reflects source document |
| 223618189 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618189 | XX | XX | XX |  | Original P&I | 986.83 | 501.66 | Verified | Field Value reflects Note value |
| 223618189 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618189 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223618189 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618189 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618190 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618190 | XX | XX | XX |  | Original P&I | 4888.07 | 1140.13 | Verified | Field Value reflects Note value |
| 223618190 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618190 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618190 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618190 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618190 | XX | XX | XX |  | Flood Certificate/Order Number | XX | XX | Verified | Field value reflects source document |
| 223618191 | XX | XX | XX |  | Original P&I | 2568.37 | 2171.35 | Verified | Field Value reflects Note value |
| 223618191 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618191 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618191 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618191 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618191 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618191 | XX | XX | XX |  | PMI MI Certificate Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618192 | XX | XX | XX |  | Original P&I | 1596.50 | 1362.31 | Verified | Field Value reflects Note value |
| 223618192 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618192 | XX | XX | XX |  | Refi Purpose | Limited Cash-out GSE |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618192 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618193 | XX | XX | XX |  | Original P&I | 2506.80 | 1770.68 | Verified | Field Value reflects Note value |
| 223618193 | XX | XX | XX |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618193 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618194 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618194 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618194 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618194 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618195 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618195 | XX | XX | XX |  | Original P&I | 4735.62 | 3508.86 | Verified | Field Value reflects Note value |
| 223618195 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618195 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618195 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618196 | XX | XX | XX |  | Original P&I | 4336.18 | 3570.23 | Verified | Field Value reflects Note value |
| 223618196 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223618196 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618196 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618196 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618197 | XX | XX | XX |  | Original P&I | 3503.99 | 2632.20 | Verified | Field Value reflects Note value |
| 223618197 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618197 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618197 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | The 30% coverage matches the information provided on Excel spreadsheet. |
| 223618197 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618198 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618198 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618198 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618199 | XX | XX | XX |  | Original P&I | 1546.81 | 1137.73 | Verified | Field Value reflects Note value |
| 223618199 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618199 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618199 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618200 | XX | XX | XX |  | Coborrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618200 | XX | XX | XX |  | Original P&I | 2823.42 | 1761.66 | Verified | Field Value reflects Note value |
| 223618200 | XX | XX | XX |  | Property Type | Condo (High Rise) | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618200 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618200 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618200 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618200 | XX | XX | XX |  | Flood Certificate/Order Number | XX | XX | Verified | Field value reflects source document |
| 223618201 | XX | XX | XX |  | Original P&I | 3181.17 | 2483.33 | Verified | Field Value reflects Note value |
| 223618201 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618201 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Unable to verify due to missing information |
| 223618201 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618201 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618201 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618202 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618202 | XX | XX | XX |  | Original P&I | 786.52 | 556.00 | Verified | Field Value reflects Note value |
| 223618202 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618202 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618202 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618202 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618202 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618203 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618203 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618203 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618203 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618204 | XX | XX | XX |  | Original P&I | 1318.14 | 830.73 | Verified | Field Value reflects Note value |
| 223618204 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618204 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618205 | XX | XX | XX |  | Original P&I | 1314.32 | 824.98 | Verified | Field Value reflects Note value |
| 223618205 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618205 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223618205 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618205 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618206 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618206 | XX | XX | XX |  | Original P&I | 1317.79 | 1088.53 | Verified | Field Value reflects Note value |
| 223618206 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618206 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Purchase Transaction. |
| 223618206 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618206 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618207 | XX | XX | XX |  | Original P&I | 1967.93 | 1467.53 | Verified | Field Value reflects Note value |
| 223618207 | XX | XX | XX |  | Property Type | Condo (High Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618207 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618207 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618207 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618207 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618208 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618208 | XX | XX | XX |  | Original P&I | 2645.15 | 1978.31 | Verified | Field Value reflects Note value |
| 223618208 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618208 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618208 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618209 | XX | XX | XX |  | Original P&I | 2305.43 | 1605.29 | Verified | Field Value reflects Note value |
| 223618209 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223618209 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618209 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 223618209 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618209 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618209 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618210 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618210 | XX | XX | XX |  | Original P&I | 3202.98 | 2669.32 | Verified | Field Value reflects Note value |
| 223618210 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618210 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618211 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223618211 | XX | XX | XX |  | Original P&I | 1089.81 | 839.06 | Verified | Field Value reflects Note value |
| 223618211 | XX | XX | XX |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618211 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618211 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618211 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618211 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618211 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618212 | XX | XX | XX |  | First Interest Rate Change Date | 2034-03-01 | 2034-02-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223618212 | XX | XX | XX |  | Next Interest Rate Change Date | 2034-03-01 | 2034-02-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223618212 | XX | XX | XX |  | Interest Rate Life Max | 5 | 11.875 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223618212 | XX | XX | XX |  | Interest Rate Periodic Cap | 5 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223618212 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618212 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618213 | XX | XX | XX |  | Original P&I | 1180.03 | 985.32 | Verified | Field Value reflects Note value |
| 223618213 | XX | XX | XX |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 223618213 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618213 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223618213 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Unable to verify due to missing information |
| 223618213 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618214 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 223618214 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618214 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | The subject loan transaction is a purchase. |
| 223618214 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618215 | XX | XX | XX |  | Original P&I | 2234.51 | 1751.32 | Verified | Field Value reflects Note value |
| 223618215 | XX | XX | XX |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223618215 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618215 | XX | XX | XX |  | Refi Purpose | Limited Cash-out GSE |  | Verified | Loan is a purchase |
| 223618215 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223618215 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618216 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618216 | XX | XX | XX |  | Original P&I | 3582.85 | 3582.84 | Verified | Field Value reflects Note value |
| 223618216 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618216 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Loan is a purchase |
| 223618216 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618217 | XX | XX | XX |  | Original P&I | 1968.07 | 1705.45 | Verified | Field Value reflects Note value |
| 223618217 | XX | XX | XX |  | Property Type | Condo (High Rise) | Condo (Low Rise) | Verified | Field Value reflects the Approval/AUS in file. |
| 223618217 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Approval/AUS |
| 223618217 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Purchase per closing disclosure |
| 223618217 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618218 | XX | XX | XX |  | Original P&I | 7153.00 | 6202.35 | Verified | Field Value reflects Note value |
| 223618218 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618218 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618218 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618218 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618219 | XX | XX | XX |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223618219 | XX | XX | XX |  | Original P&I | 4412.52 | 3571.34 | Verified | Field Value reflects Note value |
| 223618219 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618219 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618219 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618219 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618220 | XX | XX | XX |  | Original P&I | 1982.68 | 1586.90 | Verified | Field Value reflects Note value |
| 223618220 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223618220 | XX | XX | XX |  | Refi Purpose | Cash-out - Debt Consolidation |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223618220 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223618220 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619557 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619557 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.07 | Verified | Field value reflects source document |
| 223619558 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619558 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619558 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619558 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619558 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619558 | XX | XX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223619558 | XX | XX |  |  | Product Description | DSCR 2 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223619559 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619559 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619559 | XX | XX |  | XX | Representative FICO | 808 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619559 | XX | XX |  | XX | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223619559 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619560 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619560 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619560 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619560 | XX | XX |  |  | Property Type | PUD | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619560 | XX | XX |  |  | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619560 | XX | XX |  |  | Original LTV | 70 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619560 | XX | XX |  |  | Product Description | DSCR 3 Fixed 30 (Released) | Fixed Rate | Verified | Field value reflects source document |
| 223619561 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.79 | 1.81 | Verified | DSCR calculated using $1800.00 for rent and $985.67 for PITI. |
| 223619563 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619563 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619563 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619563 | XX | XX |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619563 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619564 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619564 | XX | XX |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619564 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.16 | Verified | Field value reflects source document |
| 223619565 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619565 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619565 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619565 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619565 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619565 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619565 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.01 | 0.75 | Verified | Field value reflects source document |
| 223619566 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619566 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Field value reflects source document |
| 223619567 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619568 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619568 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619568 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Field value reflects source document |
| 223619569 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619569 | XX | XX |  |  | Original Term | 361 | 360 | Verified | Field Value reflects the Note value |
| 223619569 | XX | XX |  |  | Amortization Term | 361 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619569 | XX | XX |  |  | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619569 | XX | XX |  |  | Original LTV | 80 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619570 | XX | XX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619572 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619572 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619572 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619572 | XX | XX |  |  | Original Term | 360 | 480 | Verified | Field Value reflects the Note value |
| 223619572 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619573 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619573 | XX | XX |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619574 | XX | XX |  |  | Original P&I | 805.50 | 845.30 | Verified | Field Value reflects Note value |
| 223619576 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619576 | XX | XX |  |  | Original P&I | 647.33 | 2155.89 | Verified | Field Value reflects Note value |
| 223619576 | XX | XX |  |  | Property Type |  | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619576 | XX | XX |  |  | Prepayment Terms |  | 5%, 4%, 3%, 2%, 1% | Verified | Field Value reflects 'PrePayment Terms' per the Note |
| 223619576 | XX | XX |  |  | Original PITIA | 3.00 | 2747.40 | Verified | Field value reflects source document |
| 223619577 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619577 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619577 | XX | XX |  |  | Original CLTV | 80 | 64.28571 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619577 | XX | XX |  |  | Original LTV | 80 | 64.28571 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619577 | XX | XX |  |  | Late Charge Percent | 1 | 5 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223619578 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619578 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619578 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 223619578 | XX | XX |  |  | Interest Rate Life Min | 2 | 5 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223619578 | XX | XX |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619578 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619578 | XX | XX |  |  | Total PITIA | 2166.58 | 2166.59 | Verified | Field value reflects source document |
| 223619579 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619579 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619579 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619579 | XX | XX |  |  | Total PITIA | 1423.21 | 1423.22 | Verified | Field value reflects source document |
| 223619580 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619580 | XX | XX |  |  | Original CLTV | 0.75 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619580 | XX | XX |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223619580 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 223619580 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619581 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619581 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619582 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619582 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619582 | XX | XX |  |  | Original CLTV | 0.75 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619582 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619582 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619582 | XX | XX |  |  | Total PITIA | 1419.54 | 1419.55 | Verified | Field value reflects source document |
| 223619583 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619583 | XX | XX |  |  | Original CLTV | 0.65 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619583 | XX | XX |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| 223619584 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619584 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619584 | XX | XX |  |  | Original CLTV | 0.7 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619584 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619584 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619584 | XX | XX |  |  | Subject Debt Service Coverage Ratio | 1.38 | 1.37 | Verified | Field value reflects source document |
| 223619585 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619585 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619585 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619585 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619585 | XX | XX |  |  | Original CLTV | 0.66 | 65.78947 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619585 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619585 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619586 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619586 | XX | XX |  |  | Original CLTV | 0.75 | 74.99969 | Verified | Tape Value reflects decimal point in incorrect position |
| 223619586 | XX | XX |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Broker per loan applications in file |
| 223619586 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619586 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619587 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619587 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619587 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 223619587 | XX | XX |  |  | Interest Rate Life Min | 5 |  | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223619587 | XX | XX |  |  | Original CLTV | 0.6 | 60 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619587 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619587 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619588 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619588 | XX | XX |  | XX | Origination Channel | Retail | Broker | Verified | Closing Statement. |
| 223619588 | XX | XX |  | XX | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619589 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619589 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619589 | XX | XX |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223619589 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619589 | XX | XX |  |  | Total PITIA | 1559.69 | 1559.70 | Verified | Field value reflects source document |
| 223619598 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619599 | XX | XX | XX |  | Original Interest Rate | 6 | 9.04 | Verified | Field Value reflects the Note value |
| 223619599 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619599 | XX | XX | XX |  | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619599 | XX | XX | XX |  | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 223619599 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619600 | XX | XX | XX | XX | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619600 | XX | XX | XX | XX | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619600 | XX | XX | XX | XX | Balloon Flag | 0 | 1 | Verified | Field Value reflects Note |
| 223619600 | XX | XX | XX | XX | Prepayment Penalty | 0 | 1 | Verified | Field Value reflects 'PrePayment Penalty' per the Note rider |
| 223619600 | XX | XX | XX | XX | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619600 | XX | XX | XX | XX | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619600 | XX | XX | XX | XX | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619601 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619601 | XX | XX | XX | XX | Original Interest Rate | 11.9 | 11.9088 | Verified | Field Value reflects the Note value |
| 223619601 | XX | XX | XX | XX | Original P&I | 160.68 | 434.45 | Verified | Field Value reflects Note value |
| 223619602 | XX | XX |  |  | Street | [redacted] | [redacted] |  |  |
| 223619602 | XX | XX |  |  | Interest Rate Life Min | 0 |  | Verified | Field value reflects source document |
| 223619602 | XX | XX |  |  | Interest Rate Life Max | 0 |  | Verified | Field value reflects source document |
| 223619602 | XX | XX |  |  | Interest Rate Periodic Cap | 0 |  | Verified | Field value reflects source document |
| 223619602 | XX | XX |  |  | Interest Rate Initial Cap | 0 |  |  |  |
| 223619602 | XX | XX |  |  | Other Financing - Lien Position 2 - Current Balance | 43650.00 |  | Verified | Field value reflects source document |
| 223619603 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | per Note |
| 223619603 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Per Note date is 10/XX/2011 |
| 223619603 | XX | XX | XX |  | Original Interest Rate | 9 | 12.85 | Verified | Per Note rate is 11.10%. |
| 223619603 | XX | XX | XX |  | Amortization Type | Fixed | ARM |  |  |
| 223619603 | XX | XX | XX |  | Occupancy |  | Primary | Verified |  |
| 223619603 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | per application & HUD |
| 223619603 | XX | XX | XX |  | Margin |  | 4.6 | Verified |  |
| 223619603 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified |  |
| 223619603 | XX | XX | XX |  | Interest Rate Life Min |  | 10.85 | Verified |  |
| 223619603 | XX | XX | XX |  | Interest Rate Life Max |  | 18.85 | Verified |  |
| 223619603 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |  |
| 223619604 | XX | XX | XX | XX | Occupancy |  | Primary | Verified |  |
| 223619604 | XX | XX | XX | XX | Margin | 7 | 6.95 | Verified | per Note |
| 223619605 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619605 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619605 | XX | XX | XX |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619605 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619605 | XX | XX | XX |  | Original CLTV |  | 96.9 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619607 | XX | XX | XX |  | Original Term | 315 | 360 | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | Amortization Term | 315 | 360 | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | Original Interest Rate |  | 9.125 | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | Original P&I |  | 289.86 | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | Purpose |  | Purchase | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | # of Units |  | 1 | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619607 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Original Term | 480 | 180 | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Amortization Term | 480 | 180 | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Original Interest Rate |  | 5.875 | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Original P&I |  | 954.32 | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619608 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field value reflects source document |
| 223619608 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619609 | XX | XX | XX |  | Original Term | 480 | 180 | Verified | Field value reflects source document |
| 223619609 | XX | XX | XX |  | Amortization Term | 480 | 180 | Verified | Field value reflects source document |
| 223619609 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619609 | XX | XX | XX |  | Original Interest Rate |  | 5.625 | Verified | Unable to verify due to missing information |
| 223619609 | XX | XX | XX |  | Original P&I |  | 415.16 | Verified | Unable to verify due to missing information |
| 223619609 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223619611 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | same |
| 223619611 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field value reflects source document |
| 223619611 | XX | XX | XX |  | Amortization Term | 480 | 360 | Verified | Field value reflects source document |
| 223619611 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619611 | XX | XX | XX |  | Original Interest Rate |  | 8.875 | Verified | Unable to verify due to missing information |
| 223619611 | XX | XX | XX |  | Original P&I |  | 258.58 | Verified | Unable to verify due to missing information |
| 223619611 | XX | XX | XX |  | Occupancy |  | Primary | Verified | Unable to verify due to missing information |
| 223619611 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field value reflects source document |
| 223619611 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | refinance |
| 223619611 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Unable to verify due to missing information |
| 223619611 | XX | XX | XX |  | Original LTV | 56 |  | Verified | Unable to verify due to missing information |
| 223619612 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619612 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field value reflects source document |
| 223619612 | XX | XX | XX |  | Amortization Term | 480 | 360 | Verified | Field value reflects source document |
| 223619612 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619612 | XX | XX | XX |  | Original Interest Rate |  | 8.5 | Verified | Unable to verify due to missing information |
| 223619612 | XX | XX | XX |  | Original P&I |  | 318.34 | Verified | Unable to verify due to missing information |
| 223619612 | XX | XX | XX |  | Occupancy |  | Primary | Verified | Unable to verify due to missing information |
| 223619612 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field value reflects source document |
| 223619612 | XX | XX | XX |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Original Term | 240 | 180 | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Amortization Term | 240 | 180 | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Original Interest Rate |  | 5.375 | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Original P&I |  | 518.70 | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Field value reflects source document |
| 223619613 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field value reflects source document |
| 223619615 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619615 | XX | XX | XX |  | Amortization Term | 568 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619615 | XX | XX | XX |  | Representative FICO | 646 | 653 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619615 | XX | XX | XX |  | Investor: Qualifying Total Debt Ratio | 49.301 | 56.24 | Verified | Per AUS in file |
| 223619617 | XX | XX | XX |  | Original Interest Rate |  | 5.875 | Verified | Field value reflects source document |
| 223619617 | XX | XX | XX |  | Original P&I | 311.00 | 310.56 | Verified | Field value reflects source document |
| 223619618 | XX | XX |  |  | Original Term | 375 | 360 | Verified | Field Value reflects the Note value |
| 223619618 | XX | XX |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value reflects the Approval/AUS in file. |
| 223619618 | XX | XX |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223619618 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified | Field Value reflects Note |
| 223619619 | XX | XX |  |  | Appraised Value |  | XX | Verified | Field Value captured from Valuation model in file |
| 223619619 | XX | XX |  |  | Original CLTV |  | 84 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619619 | XX | XX |  |  | Original LTV |  | 84 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619620 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619620 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619620 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619620 | XX | XX |  |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223619620 | XX | XX |  |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619620 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619620 | XX | XX |  |  | Original LTV | 100 |  | Verified | Unable to verify due to missing information |
| 223619621 | XX | XX | XX |  | Original Term | 209 | 360 | Verified | Field Value reflects the Note value |
| 223619621 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619621 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619622 | XX | XX | XX |  | Original Term | 477 | 360 | Verified | Field Value reflects the Note value |
| 223619622 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619622 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619623 | XX | XX | XX |  | Original Term | 457 | 360 | Verified | Field Value reflects the Note value |
| 223619623 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619623 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619624 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619624 | XX | XX | XX |  | Original Term | 314 | 360 | Verified | Field Value reflects the Note value |
| 223619624 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619625 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619625 | XX | XX | XX |  | Original Term | 320 | 360 | Verified | Field Value reflects the Note value |
| 223619625 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619625 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619626 | XX | XX |  |  | Line Limit | 1.00 |  | Verified | Unable to verify due to missing information |
| 223619626 | XX | XX |  |  | Originator Application Date | XX | XX | Verified | Unable to verify due to missing information |
| 223619626 | XX | XX |  |  | Hard Penalty Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Line Limit | 1.00 |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Purpose | Refinance | UTD | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Original CLTV | 57.77 |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Original LTV | 57.77 |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Unable to verify due to missing information |
| 223619627 | XX | XX |  |  | Hard Penalty Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 223619628 | XX | XX |  |  | Original Term | 144 | 240 | Verified | Field Value reflects the Note value |
| 223619628 | XX | XX |  |  | Line Limit | 1.00 |  | Verified | Unable to verify due to missing information |
| 223619628 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Unable to verify due to missing information |
| 223619628 | XX | XX |  |  | Hard Penalty Period (months) | 0 |  | Verified | Unable to verify due to missing information |
| 223619630 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619630 | XX | XX |  |  | Occupancy | UTD | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619632 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619633 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619633 | XX | XX |  |  | Property Type | Single Family | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619633 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619633 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Unable to verify due to missing information |
| 223619634 | XX | XX |  |  | Original Term | 368 | 360 | Verified | Field Value reflects the Note value |
| 223619634 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619634 | XX | XX |  |  | Original Interest Rate | 11.854 | 11.85 | Verified | Field Value reflects the Note value |
| 223619634 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223619634 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Unable to verify due to missing information |
| 223619635 | XX | XX |  |  | Original Term | 607 | 240 | Verified | Field Value reflects the Note value |
| 223619635 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619635 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | refinance |
| 223619635 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Original Term | 584 | 120 | Verified | Field Value reflects the Note value |
| 223619636 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619636 | XX | XX |  |  | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Interest Rate Life Max | 0 |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Interest Rate Life Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Interest Rate Periodic Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Interest Rate Initial Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223619636 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified | Field Value reflects Note |
| 223619638 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619638 | XX | XX | XX |  | First Payment Date | XX |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619638 | XX | XX | XX |  | Original Interest Rate | 3.49 | 7.49 | Verified | Field Value reflects the Note value |
| 223619638 | XX | XX | XX |  | Original P&I | 2046.91 |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Representative FICO | 787 |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 223619638 | XX | XX | XX |  | Index Type | LIBOR - 6 Month (Daily) | Prime (WSJ) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619638 | XX | XX | XX |  | Margin | 2 | 0.24 | Verified | Field Value reflects 'Margin' per the Note |
| 223619638 | XX | XX | XX |  | First Interest Rate Change Date | 2010-12-29 |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Interest Rate Life Max | 20.49 | 24 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619638 | XX | XX | XX |  | Interest Rate Life Cap | 17 | 16.51 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619638 | XX | XX | XX |  | Interest Rate Periodic Cap | 6 | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619638 | XX | XX | XX |  | First Payment Change Date | 2011-01-29 |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619638 | XX | XX | XX |  | Interest Rate Life Floor | 2 | 7.25 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223619638 | XX | XX | XX |  | Payment Change Frequency |  | 1 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223619639 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619639 | XX | XX | XX |  | Original Interest Rate |  | 10.49 | Verified | Field Value reflects the Note value |
| 223619639 | XX | XX | XX |  | Original P&I | 507.64 | 1069.37 | Verified | Field Value reflects Note value |
| 223619639 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619639 | XX | XX | XX |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619639 | XX | XX | XX |  | Margin |  | 7.49 | Verified | Field Value reflects 'Margin' per the Note |
| 223619639 | XX | XX | XX |  | First Interest Rate Change Date |  | 2009-03-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619639 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223619639 | XX | XX | XX |  | Interest Rate Life Min |  | 10.49 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223619639 | XX | XX | XX |  | Interest Rate Life Max |  | 16.49 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619639 | XX | XX | XX |  | Interest Rate Life Cap |  | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619639 | XX | XX | XX |  | First Payment Change Date |  | 2009-04-01 | Verified | Field Value reflects 'Payment First Change Date' per the Note |
| 223619639 | XX | XX | XX |  | Lookback Period |  | First business day of previous month | Verified | Field Value reflects 'Lookback Period' per the Note |
| 223619639 | XX | XX | XX |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223619639 | XX | XX | XX |  | Original LTV | 58.97 | 90 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619639 | XX | XX | XX |  | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223619640 | XX | XX | XX |  | Original Interest Rate | 8.623 | 8.6232 | Verified | Field Value reflects the Note value |
| 223619641 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619642 | XX | XX | XX | XX | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619642 | XX | XX | XX | XX | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619642 | XX | XX | XX | XX | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619642 | XX | XX | XX | XX | Margin |  | 2.75 | Verified | Field Value reflects 'Margin' per the Note |
| 223619642 | XX | XX | XX | XX | First Interest Rate Change Date |  | 2013-06-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619642 | XX | XX | XX | XX | Next Interest Rate Change Date |  | 2023-06-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223619642 | XX | XX | XX | XX | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223619642 | XX | XX | XX | XX | Interest Rate Life Cap |  | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619642 | XX | XX | XX | XX | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619642 | XX | XX | XX | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223619642 | XX | XX | XX | XX | Interest Rate Initial Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619642 | XX | XX | XX | XX | Interest Rate Initial Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 223619642 | XX | XX | XX | XX | Original CLTV | 80 | 70.59 | Verified | per 1008 |
| 223619642 | XX | XX | XX | XX | Original LTV | 80 | 70.59 | Verified | per 1008 |
| 223619642 | XX | XX | XX | XX | Interest Rate Initial Maximum |  | 10.5 | Verified | Field Value reflects 'Interest Rate Initial Maximum' per the Note |
| 223619643 | XX | XX | XX | XX | Original Interest Rate | 0 | 6 | Verified | per loan summary in file |
| 223619643 | XX | XX | XX | XX | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619643 | XX | XX | XX | XX | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619643 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | refinance |
| 223619644 | XX | XX | XX |  | Amortization Term | 239 | 240 | Verified | Field Value reflects Amortization Term per Note |
| 223619644 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619644 | XX | XX | XX |  | Original Interest Rate | 5 | 11.79 | Verified | Field Value reflects the Note value |
| 223619644 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619644 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223619644 | XX | XX | XX |  | Original CLTV | 14.39 | 90.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619645 | XX | XX | XX |  | First Payment Date | XX |  | Verified | Unable to verify due to missing information |
| 223619645 | XX | XX | XX |  | Amortization Term | 238 | 300 | Verified | Field Value reflects Amortization Term per Note |
| 223619645 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619645 | XX | XX | XX |  | Original Interest Rate | 2.625 | 7.625 | Verified | Field Value reflects the Note value |
| 223619645 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619645 | XX | XX | XX |  | Index Type |  | Prime (WSJ) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619645 | XX | XX | XX |  | Margin |  | -0.625 | Verified | Field Value reflects 'Margin' per the Note |
| 223619645 | XX | XX | XX |  | Interest Rate Life Cap |  | 10.375 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619645 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 0 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619645 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | refinance |
| 223619645 | XX | XX | XX |  | Interest Rate Initial Cap |  | 10.375 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619645 | XX | XX | XX |  | Interest Rate Initial Floor |  | 7.625 | Verified | Field Value reflects 'Interest Rate Initial Floor' per the Note |
| 223619645 | XX | XX | XX |  | Original CLTV | 18.13 | 79.36 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619645 | XX | XX | XX |  | Interest Rate Initial Maximum |  | 18 | Verified | Field Value reflects 'Interest Rate Initial Maximum' per the Note |
| 223619646 | XX | XX | XX | XX | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619646 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Security Instrument |
| 223619648 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619648 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619648 | XX | XX | XX |  | Index Type | LIBOR - 6 Month (Daily) | US Treasury - 1 Year CMT (Monthly) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619648 | XX | XX | XX |  | Payment Adjustment Frequency Months | 6 |  | Verified | Unable to verify due to missing information |
| 223619649 | XX | XX | XX | XX | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223619649 | XX | XX | XX | XX | Interest Rate Life Min | 0 |  | Verified | Unable to verify due to missing information |
| 223619649 | XX | XX | XX | XX | Interest Rate Life Max | 0 |  | Verified | Unable to verify due to missing information |
| 223619649 | XX | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223619649 | XX | XX | XX | XX | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619650 | XX | XX | XX | XX | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | Margin | 0 |  | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | Interest Rate Life Min | 0 |  | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | Interest Rate Life Max | 0 |  | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified | Unable to verify due to missing information |
| 223619650 | XX | XX | XX | XX | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619651 | XX | XX |  |  | Original Term | 577 | 360 | Verified | Field Value reflects the Note value |
| 223619651 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619651 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619651 | XX | XX |  |  | Representative FICO | 642 |  | Verified | Unable to verify due to missing information |
| 223619651 | XX | XX |  |  | Margin |  | 7.45 | Verified | Field Value reflects 'Margin' per the Note |
| 223619651 | XX | XX |  |  | Next Interest Rate Change Date |  | 2024-06-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223619651 | XX | XX |  |  | Interest Rate Life Max |  | 15.45 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619651 | XX | XX |  |  | Interest Rate Life Cap |  | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619651 | XX | XX |  |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619651 | XX | XX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619651 | XX | XX |  |  | Interest Rate Initial Cap |  | 3 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619651 | XX | XX |  |  | Balloon Flag | 0 | 1 | Verified | Field Value reflects Note |
| 223619651 | XX | XX |  |  | Original CLTV | 80 | 100.60606 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619651 | XX | XX |  |  | Original LTV | 80 | 100.60606 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619651 | XX | XX |  |  | Original Interest Rate Period |  | 36 | Verified | Field Value reflects 'Original Interest Rate Period' per the Note |
| 223619652 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619652 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619652 | XX | XX |  |  | Original Term | 503 | 360 | Verified | Field Value reflects the Note value |
| 223619652 | XX | XX |  |  | Amortization Term | 503 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619652 | XX | XX |  |  | Original Interest Rate | 3.125 | 4.5 | Verified | Field Value reflects the Note value |
| 223619652 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619652 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223619652 | XX | XX |  |  | Original CLTV | 80 |  | Verified | Unable to verify due to missing information |
| 223619652 | XX | XX |  |  | Original LTV | 80 |  | Verified | Unable to verify due to missing information |
| 223619652 | XX | XX |  |  | Late Charge Percent | 1 | 4 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223619652 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619652 | XX | XX |  |  | Other Financing Junior Total Original Loan Amount | XX |  | Verified | Field value reflects source document |
| 223619653 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619653 | XX | XX | XX |  | Original Term | 49 | 360 | Verified | Field Value reflects the Note value |
| 223619653 | XX | XX | XX |  | Amortization Term | 49 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619653 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619653 | XX | XX | XX |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619653 | XX | XX | XX |  | Occupancy | Primary | UTD | Verified | Unable to verify due to missing information |
| 223619653 | XX | XX | XX |  | Purpose |  | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619653 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Field Value reflects Approval/AUS value |
| 223619654 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619654 | XX | XX |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619654 | XX | XX |  |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619654 | XX | XX |  |  | Margin |  | 8.09 | Verified | Field Value reflects 'Margin' per the Note |
| 223619654 | XX | XX |  |  | First Interest Rate Change Date |  | 2006-11-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619654 | XX | XX |  |  | Next Interest Rate Change Date |  | 2024-05-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223619654 | XX | XX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223619654 | XX | XX |  |  | Interest Rate Life Cap |  | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619654 | XX | XX |  |  | Interest Rate Periodic Floor |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Floor' per the Note |
| 223619654 | XX | XX |  |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619654 | XX | XX |  |  | First Payment Change Date |  | 2006-12-01 | Verified | Field Value reflects 'Payment First Change Date' per the Note |
| 223619654 | XX | XX |  |  | Next Payment Change Date |  | 2024-06-01 | Verified | Field Value reflects 'Payment Next Change Date' per the Note |
| 223619654 | XX | XX |  |  | Lookback Period |  | First business day of previous month | Verified | Field Value reflects 'Lookback Period' per the Note |
| 223619654 | XX | XX |  |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223619654 | XX | XX |  |  | Refi Purpose |  | UTD | Verified | Unable to verify due to missing information |
| 223619654 | XX | XX |  |  | Original LTV |  | 71.64502 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619654 | XX | XX |  |  | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223619654 | XX | XX |  |  | Rounding Method |  | Up | Verified | Field Value reflects 'Rounding Method' per the Note |
| 223619654 | XX | XX |  |  | Interest Rate Initial Minimum |  | 9.94 | Verified | Field Value reflects 'Interest Rate Initial Minimum' per the Note |
| 223619654 | XX | XX |  |  | Payment Change Frequency |  | 6 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223619654 | XX | XX |  |  | LTV Valuation Value |  | XX | Verified | Field value reflects source document |
| 223619654 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio |  | 39.92 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619655 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619655 | XX | XX |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619655 | XX | XX |  |  | # of Units | 1 |  | Verified | Field value reflects source document |
| 223619655 | XX | XX |  |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619655 | XX | XX |  |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619656 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619656 | XX | XX |  |  | Purpose | Construction-Permanent | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619656 | XX | XX |  |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619656 | XX | XX |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619657 | XX | XX |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619657 | XX | XX |  |  | Index Type | SOFR 180 Day Average | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619657 | XX | XX |  |  | Margin | 6.928 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| 223619657 | XX | XX |  |  | Interest Rate Life Cap | 16.85 | 7 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619657 | XX | XX |  |  | Lookback Period | 30 days | First business day of previous month | Verified | Field Value reflects 'Lookback Period' per the Note |
| 223619657 | XX | XX |  |  | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619657 | XX | XX |  |  | Original LTV |  | 79.28571 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619657 | XX | XX |  |  | Interest Rate Life Floor | 9.85 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223619657 | XX | XX |  |  | Interest Rate Initial Minimum | 2 | 9.85 | Verified | Field Value reflects 'Interest Rate Initial Minimum' per the Note |
| 223619657 | XX | XX |  |  | LTV Valuation Value |  | XX | Verified | Field value reflects source document |
| 223619658 | XX | XX | XX |  | Original Term | 569 | 360 | Verified | Field Value reflects the Note value |
| 223619658 | XX | XX | XX |  | Amortization Term | 569 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619658 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619658 | XX | XX | XX |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619658 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619658 | XX | XX | XX |  | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223619659 | XX | XX | XX |  | Original Term | 484 | 360 | Verified | Field Value reflects the Note value |
| 223619659 | XX | XX | XX |  | Amortization Term | 484 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 223619659 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619659 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619659 | XX | XX | XX |  | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619659 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Purpose is refinance |
| 223619659 | XX | XX | XX |  | Balloon Flag | 0 | 1 | Verified | Field Value reflects Note |
| 223619659 | XX | XX | XX |  | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Original Interest Rate | 0 | 7.75 | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Original P&I | 0.00 | 373.49 | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field value reflects source document |
| 223619660 | XX | XX | XX |  | LTV Valuation Value | XX |  | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Original Interest Rate | 0 | 4.74 | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Original P&I | 0.00 | 2250.00 | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Occupancy |  | Primary | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Field value reflects source document |
| 223619661 | XX | XX | XX |  | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619662 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619662 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field value reflects source document |
| 223619662 | XX | XX | XX |  | Original P&I | 362.50 | 368.45 | Verified | Field value reflects source document |
| 223619662 | XX | XX | XX |  | Occupancy | Investment | Primary | Verified | Field value reflects source document |
| 223619662 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Unable to verify due to missing information |
| 223619662 | XX | XX | XX |  | # of Units |  | 1 | Verified | Unable to verify due to missing information |
| 223619662 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Other | Verified | Unable to verify due to missing information |
| 223619662 | XX | XX | XX |  | LTV Valuation Value | XX | XX | Verified | Unable to verify due to missing information |
| 223619663 | XX | XX | XX | XX | First Payment Date | XX | XX | Verified | Field value reflects source document |
| 223619663 | XX | XX | XX | XX | Original Term | 277 | 360 | Verified | Field value reflects source document |
| 223619663 | XX | XX | XX | XX | Original CLTV | 80 | 98.23 | Verified | Field value reflects source document |
| 223619663 | XX | XX | XX | XX | Original LTV | 80 | 98.23 | Verified | Field value reflects source document |
| 223619663 | XX | XX | XX | XX | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619664 | XX | XX | XX |  | Doc Type |  | Full | Verified |  |
| 223619664 | XX | XX | XX |  | First Payment Change Date | 2006-05-01 | 2008-05-01 | Verified | Confirmed with Note. |
| 223619664 | XX | XX | XX |  | Prepayment Penalty | 0 | 1 | Verified | Confirmed with Note Rider. |
| 223619669 | XX | XX |  |  | Original Term | 394 | 360 | Verified | Field Value reflects the Note value |
| 223619669 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Security Instrument |
| 223619669 | XX | XX |  |  | Doc Type | No Ratio | UTD | Verified | Unable to verify due to missing information |
| 223619669 | XX | XX |  |  | Interest Collection Type | In Arrears | Daily Simple | Verified | Field Value reflects Note 'Interest Collection Type' per the Note |
| 223619669 | XX | XX |  |  | Original CLTV | 100.46 |  | Verified | Unable to verify due to missing information |
| 223619669 | XX | XX |  |  | Original LTV | 100.46 |  | Verified | Unable to verify due to missing information |
| 223619669 | XX | XX |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223619669 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | No MI |
| 223619669 | XX | XX |  |  | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Original P&I | 2309.58 | 2309.59 | Verified | Field Value reflects Note value |
| 223619670 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619670 | XX | XX |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 223619670 | XX | XX |  |  | Doc Type |  | Full | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Index Type |  | LIBOR - 1 Year (Daily) | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Margin |  | 2.25 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | First Interest Rate Change Date |  | 2017-04-01 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Next Interest Rate Change Date |  | 2020-04-01 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Interest Rate Change Frequency |  | 12 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Interest Rate Life Min |  | 2.25 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Interest Rate Life Max |  | 10.75 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Interest Rate Periodic Floor |  | 2 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Interest Rate Periodic Cap |  | 2 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | First Payment Change Date |  | 2017-05-01 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Next Payment Change Date |  | 2020-05-01 | Verified | Unable to verify due to missing information |
| 223619670 | XX | XX |  |  | Rounding Factor |  | 0.125 | Verified | Field Value reflects 'Rounding Factor' per the Note |
| 223619670 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619671 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619671 | XX | XX |  |  | Original Term | 463 | 360 | Verified | Field Value reflects the Note value |
| 223619671 | XX | XX |  |  | Amortization Term | 463 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619671 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619671 | XX | XX |  |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619671 | XX | XX |  |  | Original CLTV | 100 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619671 | XX | XX |  |  | Original LTV | 100 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619671 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619672 | XX | XX |  |  | Original Interest Rate | 4 | 6.5 | Verified | Verified with Note. |
| 223619672 | XX | XX |  |  | Original P&I | 1810.73 | 1824.89 | Verified | Verified with Note. |
| 223619672 | XX | XX |  |  | Doc Type |  | Streamline | Verified |  |
| 223619672 | XX | XX |  |  | Refi Purpose | Rate/Term | Streamlined | Verified | Verified with Approval. |
| 223619672 | XX | XX |  |  | Original LTV | 80 | 78.82 | Verified | Verified with Approval. |
| 223619673 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Verified with Note |
| 223619677 | XX | XX | XX |  | Original Term | 492 | 360 | Verified | Field Value reflects the Note value |
| 223619677 | XX | XX | XX |  | Amortization Term | 492 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619677 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619677 | XX | XX | XX |  | Original P&I | 0.00 | 834.86 | Verified | Field Value reflects Note value |
| 223619677 | XX | XX | XX |  | Representative FICO |  | 596 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619677 | XX | XX | XX |  | Doc Type | UTD | Full | Verified | Field Value reflects documentation located in origination file |
| 223619677 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223619677 | XX | XX | XX |  | Original CLTV | 98.94 | 97 | Verified | Verified per AUS. |
| 223619677 | XX | XX | XX |  | Original LTV | 98.94 | 97 | Verified | Verified per AUS. |
| 223619677 | XX | XX | XX |  | Investor: Qualifying Total Debt Ratio | 0 | 37 | Verified | Verified per AUS. |
| 223619678 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619678 | XX | XX |  |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619679 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619679 | XX | XX | XX |  | Original Interest Rate | 4.375 | 10.5 | Verified | Field Value reflects the Note value |
| 223619679 | XX | XX | XX |  | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619680 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619680 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619680 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619680 | XX | XX | XX |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223619681 | XX | XX | XX |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223619681 | XX | XX | XX |  | Lien Position | 1 | 2 | Verified | Field Value reflects Lien Position per the Note |
| 223619682 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619682 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619682 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619682 | XX | XX | XX |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619682 | XX | XX | XX |  | Interest Rate Life Max |  | 18.9 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619683 | XX | XX | XX |  | Maturity Date |  | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619683 | XX | XX | XX |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223619685 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619685 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619685 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619686 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619687 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619687 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619688 | XX | XX | XX |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619688 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619688 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619688 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619688 | XX | XX | XX |  | Index Type |  | 11th District COFI | Verified | Field Value reflects 'Index Type' per the Note |
| 223619688 | XX | XX | XX |  | Margin |  | 3.5 | Verified | Field Value reflects 'Margin' per the Note |
| 223619688 | XX | XX | XX |  | Interest Rate Life Min |  | 7.25 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223619688 | XX | XX | XX |  | Interest Rate Life Max |  | 13.25 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619688 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1.625 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619688 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619688 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619689 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619689 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223619689 | XX | XX | XX |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223619689 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619689 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619690 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619690 | XX | XX | XX |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619690 | XX | XX | XX |  | Purpose | Refinance | UTD | Verified | Unable to verify due to missing information |
| 223619690 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619690 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619691 | XX | XX | XX |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619691 | XX | XX | XX |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619691 | XX | XX | XX |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619691 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619691 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619691 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619691 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619691 | XX | XX | XX |  | Coborrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619692 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619692 | XX | XX | XX |  | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223619692 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619693 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619693 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619693 | XX | XX | XX |  | Original P&I | 0.00 | 1822.56 | Verified | Field Value reflects Note value |
| 223619693 | XX | XX | XX |  | Representative FICO |  | 646 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619693 | XX | XX | XX |  | Occupancy | UTD | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619693 | XX | XX | XX |  | Purpose | UTD | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619693 | XX | XX | XX |  | Doc Type | UTD | Full | Verified | Field Value reflects documentation located in origination file |
| 223619693 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223619693 | XX | XX | XX |  | Refi Purpose | UTD |  | Verified | Unable to verify due to missing information |
| 223619693 | XX | XX | XX |  | Original CLTV | 0 | 97 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619693 | XX | XX | XX |  | Original LTV | 0 | 97 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619693 | XX | XX | XX |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619693 | XX | XX | XX |  | Investor: Qualifying Total Debt Ratio | 0 | 56 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619695 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619695 | XX | XX | XX |  | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Unable to verify due to missing information |
| 223619696 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619696 | XX | XX |  |  | Original Interest Rate | 5 | 5.5 | Verified | Field Value reflects the Note value |
| 223619696 | XX | XX |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619697 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619698 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619698 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619698 | XX | XX |  |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619699 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619699 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619699 | XX | XX |  |  | Original Interest Rate | 5 | 5.25 | Verified | Field Value reflects the Note value |
| 223619699 | XX | XX |  |  | Original P&I | 1958.51 | 1675.13 | Verified | Field Value reflects Note value |
| 223619699 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619699 | XX | XX |  |  | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619699 | XX | XX |  |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619700 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619700 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619700 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Unable to verify due to missing information |
| 223619700 | XX | XX |  |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619700 | XX | XX |  |  | Original CLTV |  | 89.99976 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619700 | XX | XX |  |  | Original LTV |  | 79.49988 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619701 | XX | XX |  |  | Appraisal Date | XX | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619702 | XX | XX |  |  | Property Type | Mobile Home | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619702 | XX | XX |  |  | Appraisal Date | XX | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619704 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619704 | XX | XX |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619704 | XX | XX |  |  | Appraisal Date |  | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619704 | XX | XX |  |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619704 | XX | XX |  |  | Margin |  | 5.75 | Verified | Field Value reflects 'Margin' per the Note |
| 223619704 | XX | XX |  |  | First Interest Rate Change Date |  | 2002-02-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619704 | XX | XX |  |  | Interest Rate Life Cap |  | 7 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619704 | XX | XX |  |  | First Payment Change Date |  | 2002-03-01 | Verified | Field Value reflects 'Payment First Change Date' per the Note |
| 223619704 | XX | XX |  |  | Original CLTV |  | 85 | Verified | Unable to verify due to missing information |
| 223619704 | XX | XX |  |  | Original LTV |  | 85 | Verified | Unable to verify due to missing information |
| 223619704 | XX | XX |  |  | LTV Valuation Value |  | XX | Verified | Unable to verify due to missing information |
| 223619705 | XX | XX |  |  | Appraisal Date | XX | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619706 | XX | XX |  |  | Property Type | Single Family | UTD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619706 | XX | XX |  |  | # of Units | 1 |  | Verified | Field value reflects source document |
| 223619707 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619707 | XX | XX |  |  | Appraisal Date |  | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619707 | XX | XX |  |  | Interest Rate Life Cap | 13.125 | 6 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619707 | XX | XX |  |  | Original CLTV |  | 89.9 | Verified | Tape Value reflects the LTV value |
| 223619707 | XX | XX |  |  | Original LTV |  | 80 | Verified | Tape Value reflects the CLTV value |
| 223619707 | XX | XX |  |  | LTV Valuation Value |  | XX | Verified | Field value reflects source document |
| 223619708 | XX | XX |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223619708 | XX | XX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619709 | XX | XX |  |  | Property Type | Mobile Home | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619710 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Refinance |
| 223619710 | XX | XX | XX |  | Original CLTV | 95.12 | 93.71 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619710 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619711 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619711 | XX | XX | XX |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619712 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619712 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619712 | XX | XX | XX |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619712 | XX | XX | XX |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619712 | XX | XX | XX |  | Margin |  | 5.65 | Verified | Field Value reflects 'Margin' per the Note |
| 223619712 | XX | XX | XX |  | First Interest Rate Change Date |  | 2006-08-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Life Min |  | 5.65 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Life Max |  | 14.55 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Life Cap |  | 7 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1.5 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619712 | XX | XX | XX |  | First Payment Change Date |  | 2006-09-01 | Verified | Field Value reflects 'Payment First Change Date' per the Note |
| 223619712 | XX | XX | XX |  | Interest Rate Initial Cap |  | 3 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619712 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619713 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619713 | XX | XX |  |  | Original Interest Rate | 5.004 | 12.06 | Verified | Field Value reflects the Note value |
| 223619713 | XX | XX |  |  | Original P&I | 964.24 | 1575.31 | Verified | Field Value reflects Note value |
| 223619713 | XX | XX |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619713 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619714 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619715 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619715 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619715 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Refinance. |
| 223619716 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619717 | XX | XX | XX |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619717 | XX | XX | XX |  | Property Type | Single Family Detached | UTD | Verified | Unable to verify due to missing information |
| 223619717 | XX | XX | XX |  | # of Units | 1 |  | Verified | Unable to verify due to missing information |
| 223619717 | XX | XX | XX |  | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223619718 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619718 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619718 | XX | XX | XX |  | Original CLTV | 79.18 | 70.57 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619719 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619720 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619720 | XX | XX | XX |  | Occupancy | Investment | Primary | Verified | Verified. |
| 223619720 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619720 | XX | XX | XX |  | Original CLTV | 85.56 | 94.97 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619720 | XX | XX | XX |  | Original LTV | 85.56 | 94.97 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619720 | XX | XX | XX |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619720 | XX | XX | XX |  | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619721 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619722 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619722 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619722 | XX | XX | XX |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619723 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619723 | XX | XX | XX |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223619723 | XX | XX | XX |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223619723 | XX | XX | XX |  | Margin |  | 6 | Verified | Field Value reflects 'Margin' per the Note |
| 223619723 | XX | XX | XX |  | First Interest Rate Change Date |  | 2003-03-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223619723 | XX | XX | XX |  | Next Interest Rate Change Date |  | 2020-09-01 | Verified | Field Value reflects 'Interest Rate Next Change Date' per the Note |
| 223619723 | XX | XX | XX |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223619723 | XX | XX | XX |  | Interest Rate Life Max |  | 15.99 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619723 | XX | XX | XX |  | Interest Rate Life Cap |  | 7 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619723 | XX | XX | XX |  | Interest Rate Periodic Cap |  | 1.5 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619723 | XX | XX | XX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619723 | XX | XX | XX |  | Interest Rate Initial Cap |  | 1.5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619723 | XX | XX | XX |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619723 | XX | XX | XX |  | Coborrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619724 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619724 | XX | XX | XX |  | Original Interest Rate | 8.672 | 8.6724 | Verified | Field Value reflects the Note value |
| 223619724 | XX | XX | XX |  | Original P&I | 0.00 | 1216.77 | Verified | Field Value reflects Note value |
| 223619724 | XX | XX | XX |  | Occupancy |  | UTD | Verified | Unable to verify due to missing information |
| 223619724 | XX | XX | XX |  | Refi Purpose | Rate/Term | UTD | Verified | Unable to verify due to missing information |
| 223619724 | XX | XX | XX |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619725 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619725 | XX | XX |  |  | Original Interest Rate | 9.499 | 9.4992 | Verified | Field Value reflects the Note value |
| 223619729 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619729 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619729 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 34.492 | 37.19292 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619730 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619731 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619731 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 32.204 | 41.37498 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619732 | XX | XX |  | XX | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619732 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619732 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619732 | XX | XX |  | XX | Originator Loan Designation | Non QM | ATR Risk | Verified | Field value reflects source document |
| 223619733 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619733 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619734 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619734 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619735 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619735 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619736 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619736 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619737 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619737 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619738 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619739 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619740 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619740 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619741 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619741 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619742 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619742 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619743 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619744 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619744 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619745 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619745 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619746 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619746 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619747 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619747 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619748 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619749 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619750 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619751 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619752 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619753 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619754 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619754 | XX | XX |  | XX | Originator Loan Designation | Non QM | ATR Fail | Verified | Field value reflects source document |
| 223619755 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619755 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 44.997 | 41.37089 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619756 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619757 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619757 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619758 | XX | XX |  | XX | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619758 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619758 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619758 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 28.189 | 21.87647 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619759 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619759 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619760 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619760 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619761 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619762 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619762 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619763 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619763 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619764 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619764 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619765 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619765 | XX | XX |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619766 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619767 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619767 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 44.87 | 40.61909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619768 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619769 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619769 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 37.87 |  | Verified | Borrower has no income |
| 223619770 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619770 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.84 | 74.61567 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223619772 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619772 | XX | XX | XX | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619772 | XX | XX | XX | XX | Other Financing Junior Total Original Loan Amount | XX |  | Verified | Field value reflects source document |
| 223619773 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619774 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619777 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619777 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619777 | XX | XX |  |  | Amortization Term | 360 | 240 | Verified | Field Value reflects Amortization Term per Note |
| 223619777 | XX | XX |  |  | Representative FICO | 686 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619780 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619780 | XX | XX |  |  | Margin | 0 |  | Verified | Loan is a fixed rate, this is not required/provided. |
| 223619780 | XX | XX |  |  | Interest Rate Initial Cap | 0 |  | Verified | The loan is a fixed rate, this is not a requirement. |
| 223619781 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619781 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619781 | XX | XX |  | XX | Original LTV | 11.16 | 9.90119 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619781 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619782 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619782 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619782 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619782 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 44 | 32.53978 | Verified | Source Documents |
| 223619784 | XX | XX |  |  | Borrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619785 | XX | XX | XX | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619786 | XX | XX | XX | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619786 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619786 | XX | XX | XX | XX | Original Interest Rate | 3.5 | 2.75 | Verified | Field Value reflects the Note value |
| 223619786 | XX | XX | XX | XX | Original P&I | 1044.51 | 1108.70 | Verified | Field Value reflects Note value |
| 223619786 | XX | XX | XX | XX | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619787 | XX | XX |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619789 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619790 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619791 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619791 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619793 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619793 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619794 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619794 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619794 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619795 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619795 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223619796 | XX | XX | XX | XX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619796 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619796 | XX | XX | XX | XX | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619796 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223619797 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619797 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619797 | XX | XX | XX | XX | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619798 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619798 | XX | XX | XX | XX | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619798 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619799 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Unable to verify due to missing information |
| 223619799 | XX | XX | XX | XX | Borrower Middle Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223619800 | XX | XX | XX | XX | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619800 | XX | XX | XX | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619800 | XX | XX | XX | XX | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619800 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619800 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619800 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619801 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619803 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619803 | XX | XX | XX | XX | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619804 | XX | XX | XX | XX | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619804 | XX | XX | XX | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619804 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619804 | XX | XX | XX | XX | Borrower Middle Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619805 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619805 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619806 | XX | XX | XX | XX | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619807 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619807 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619807 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 48.92 | 44.80571 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619808 | XX | XX |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223619808 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 49.53 | 33.75255 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619809 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619810 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619811 | XX | XX |  |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619811 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619811 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 47.29 | 44.75966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619813 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619814 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619814 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 47.4 | 41.70531 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619815 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223619816 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619817 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619817 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619818 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619819 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619819 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 32.09 | 27.40937 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619820 | XX | XX |  |  | Coborrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619820 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619820 | XX | XX |  |  | Index Type | SOFR | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 223619820 | XX | XX |  |  | Margin | 3 | 2.75 | Verified | Field Value reflects 'Margin' per the Note |
| 223619820 | XX | XX |  |  | Interest Rate Life Cap | 9.375 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619820 | XX | XX |  |  | Interest Rate Life Floor | 2.75 | 1.625 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223619820 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 69.77 | 35.92108 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619821 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619821 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619822 | XX | XX |  |  | Property Type | Townhouse | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619822 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619822 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 76.58 | 49.57798 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619823 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619824 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619824 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619825 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619825 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619825 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619826 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619826 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619827 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619827 | XX | XX |  |  | Original CLTV | 66.67 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619827 | XX | XX |  |  | Original LTV | 66.67 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619827 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 38.88 | 40.90189 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619828 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619828 | XX | XX |  |  | Property Type | Single Family | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619828 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619828 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 32.04 | 41.21565 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619829 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619829 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619829 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 44.9 | 41.05728 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619830 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619830 | XX | XX |  |  | Property Type | Single Family | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619830 | XX | XX |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619830 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619831 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619831 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619831 | XX | XX |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223619831 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619832 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619832 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619832 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619833 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619833 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619834 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619834 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 53.34 | 49.29045 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619835 | XX | XX |  |  | Coborrower Qualifying FICO | 0 |  | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| 223619835 | XX | XX |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value reflects the Approval/AUS in file. |
| 223619835 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223619836 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619836 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619836 | XX | XX |  |  | Original Interest Rate | 7.375 | 9 | Verified | Field Value reflects the Note value |
| 223619836 | XX | XX |  |  | Original CLTV | 55 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619836 | XX | XX |  |  | Original LTV | 55 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619836 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619836 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 33.008 | 46.51056 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223619837 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 14.46 |  | Verified | Field value reflects source document |
| 223619838 | XX | XX | XX | XX | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223619839 | XX | XX | XX | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619839 | XX | XX | XX | XX | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619839 | XX | XX | XX | XX | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223619840 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619841 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619841 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619842 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619843 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619843 | XX | XX |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619844 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619845 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619845 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619845 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619845 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619846 | XX | XX |  | XX | Property Type | UTD | Manufactured Housing | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619846 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619846 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619846 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619847 | XX | XX |  | XX | Property Type | UTD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619847 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619847 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619847 | XX | XX |  | XX | Original CLTV | 96.5 | 102.28947 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619848 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619848 | XX | XX |  | XX | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619848 | XX | XX |  | XX | Original Term | 359 | 360 | Verified | Field Value reflects the Note value |
| 223619848 | XX | XX |  | XX | Amortization Term | 359 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619848 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619848 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619848 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619848 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619849 | XX | XX |  | XX | Original Term | 496 | 360 | Verified | Field Value reflects the Note value |
| 223619849 | XX | XX |  | XX | Amortization Term | 496 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619849 | XX | XX |  | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619849 | XX | XX |  | XX | Original P&I | 688.45 | 739.42 | Verified | Field Value reflects Note value |
| 223619849 | XX | XX |  | XX | Doc Type | Full | Full Doc 1yr - AUS | Verified | Field Value reflects documentation located in origination file |
| 223619849 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619849 | XX | XX |  | XX | Original CLTV | 86.21 | 101.93504 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619849 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619849 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619850 | XX | XX |  | XX | Doc Type | Full | Full Doc 1yr - AUS | Verified | Field Value reflects documentation located in origination file |
| 223619850 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619850 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619850 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619851 | XX | XX |  | XX | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619851 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619851 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619851 | XX | XX |  | XX | Original CLTV | 81.63 | 83.07692 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619851 | XX | XX |  | XX | Original LTV | 81.63 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619851 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619852 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619852 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619852 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619852 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619853 | XX | XX |  | XX | Property Type | Single Family | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619853 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619853 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619853 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619853 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619853 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 48.48 | 65.94605 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619854 | XX | XX |  | XX | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619854 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619854 | XX | XX |  | XX | # of Units | 1 | 2 | Verified | Field value reflects source document |
| 223619854 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619854 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619854 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 39.92 | 34.20725 | Verified | AUS DTI is 34% and difference in the field value DTI is due to rounding. |
| 223619855 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619855 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619855 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619856 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619856 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619856 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619857 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619857 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619857 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619858 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619858 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619858 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619859 | XX | XX |  | XX | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223619859 | XX | XX |  | XX | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619859 | XX | XX |  | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619859 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619859 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619859 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619860 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619860 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619861 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619863 | XX | XX |  | XX | Occupancy | Investment | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619864 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619864 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619865 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | reduction in purchase price due to seller concessions exceeding 3% |
| 223619865 | XX | XX |  | XX | Original CLTV | 95 | 96.52352 | Verified | reduction in purchase price due to seller concessions exceeding 3% |
| 223619865 | XX | XX |  | XX | Original LTV | 95 | 96.52352 | Verified | reduction in purchase price due to seller concessions exceeding 3% |
| 223619866 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619868 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619868 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619869 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619869 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619869 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 43.54 | 47.24632 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223619870 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619870 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 51.14 | 48.90112 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619871 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619871 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619872 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619872 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619872 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619872 | XX | XX |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619873 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619873 | XX | XX |  |  | Appraisal Date | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619873 | XX | XX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223619873 | XX | XX |  |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619874 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619874 | XX | XX |  |  | Appraisal Date | XX | XX | Verified | Tape Value reflects Appraisal Effective Date |
| 223619874 | XX | XX |  |  | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619874 | XX | XX |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223619874 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619874 | XX | XX |  |  | Refi Purpose | Rate/Term | Streamlined | Verified | IRRRL |
| 223619874 | XX | XX |  |  | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619875 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619875 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 39.036 | 41.6647 | Verified | Field value reflects source document |
| 223619875 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 47.075 | 51.80782 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619876 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619876 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 40.891 | 40.89123 | Verified | Field value reflects source document |
| 223619877 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619877 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619877 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 16.199 | 16.19878 | Verified | Field value reflects source document |
| 223619878 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619878 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 42.149 | 43.78477 | Verified | Field value reflects source document |
| 223619879 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619879 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619879 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 15.071 | 15.07053 | Verified | Field value reflects source document |
| 223619879 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 36.574 | 41.92433 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619880 | XX | XX |  |  | Representative FICO | 785 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619880 | XX | XX |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619880 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 32.028 | 31.76349 | Verified | Field value reflects source document |
| 223619880 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 52.009 | 45.35313 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619881 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619881 | XX | XX |  |  | Representative FICO | 745 | 652 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619881 | XX | XX |  |  | Doc Type | Full | Full Doc 1yr - AUS | Verified | Field Value reflects documentation located in origination file |
| 223619881 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 21.499 | 21.48495 | Verified | Field value reflects source document |
| 223619882 | XX | XX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223619882 | XX | XX |  |  | Investor: Qualifying Housing Ratio | 37.987 | 37.98657 | Verified | Field value reflects source document |
| 223619883 | XX | XX |  |  | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619883 | XX | XX |  |  | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223619884 | XX | XX |  | XX | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619884 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223619884 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 54.19 | 45.58992 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619885 | XX | XX |  | XX | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619885 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619885 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | No sales price in file it is Refinance |
| 223619886 | XX | XX |  | XX | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619886 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619886 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 42.66 | 51.80436 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 223619887 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 5.6 | 43.16225 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619888 | XX | XX |  | XX | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619888 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619888 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619889 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619889 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619889 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619890 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619890 | XX | XX |  | XX | Representative FICO | 763 | 663 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619890 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619890 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619891 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619891 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619891 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619891 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619891 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619892 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619892 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619892 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619892 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619893 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619893 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619893 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619893 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619894 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619894 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619894 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619895 | XX | XX |  | XX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619895 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619895 | XX | XX |  | XX | Representative FICO | 738 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619895 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619895 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619896 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619896 | XX | XX |  | XX | Representative FICO | 806 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619896 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619896 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619897 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619897 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619897 | XX | XX |  | XX | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619897 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619897 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619897 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619898 | XX | XX |  | XX | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619898 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619898 | XX | XX |  | XX | Representative FICO | 790 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619898 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619898 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619898 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619898 | XX | XX |  | XX | Original CLTV | 50.09 | 89.90875 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223619899 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619900 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619900 | XX | XX | XX | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619900 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619900 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 50.53 | 38.1815 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619901 | XX | XX | XX | XX | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619901 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619901 | XX | XX | XX | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619901 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619902 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619902 | XX | XX | XX | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619903 | XX | XX | XX | XX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619903 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619903 | XX | XX | XX | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619903 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 52.48 | 54.61693 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619904 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619904 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619904 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619904 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619905 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619905 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619905 | XX | XX |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223619905 | XX | XX |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223619906 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 47.71 | 49.9455 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619907 | XX | XX | XX | XX | Original P&I | 998.54 | 998.53 | Verified | Field Value reflects Note value |
| 223619907 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619907 | XX | XX | XX | XX | Mortgage Type | Conventional without MI | Conventional with MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619907 | XX | XX | XX | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619907 | XX | XX | XX | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619908 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619908 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619908 | XX | XX | XX | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619908 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 9.44 | 21.25179 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619909 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619909 | XX | XX | XX | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619909 | XX | XX | XX | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619909 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 46.45 | 57.51891 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619910 | XX | XX | XX | XX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619910 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619911 | XX | XX | XX | XX | Representative FICO | 727 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619911 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619912 | XX | XX | XX | XX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619912 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619912 | XX | XX | XX | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619912 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 31.28 | 21.89511 |  |  |
| 223619913 | XX | XX | XX | XX | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619913 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619913 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619914 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619915 | XX | XX |  | XX | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619915 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619916 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619916 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619916 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619916 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619917 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619917 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619917 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619917 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619917 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 39.73 | 27.63613 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619918 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619918 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619918 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619918 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619919 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619919 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619919 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619919 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619920 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619920 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 51.17 | 47.05904 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619921 | XX | XX |  | XX | Original Term | 499 | 360 | Verified | Field Value reflects the Note value |
| 223619921 | XX | XX |  | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619921 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619921 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619921 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223619921 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619921 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 36.33 | 42.55909 | Verified | The debt-to-income (DTI) ratio increased to 43%, which exceeds AUS tolerance. |
| 223619922 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619923 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619924 | XX | XX |  | XX | Original Term | 505 | 360 | Verified | Field Value reflects the Note value |
| 223619924 | XX | XX |  | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619924 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619924 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 31.14 | 48.26527 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619925 | XX | XX |  | XX | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619925 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619925 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619926 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619926 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 43.17 | 48.82602 | Verified | Commission income is ineligible for qualification |
| 223619927 | XX | XX |  | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619927 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619927 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619928 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619928 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619928 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 45.5 | 52.35716 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619929 | XX | XX |  | XX | Original Term | 502 | 360 | Verified | Field Value reflects the Note value |
| 223619929 | XX | XX |  | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619929 | XX | XX |  | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619929 | XX | XX |  | XX | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619929 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619929 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619929 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 50 | 67.98035 | Verified | 2 properties excluded from DTI, however documentation is absent from file to support exclusion. |
| 223619930 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223619930 | XX | XX |  |  | Representative FICO | 738 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619930 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619930 | XX | XX |  |  | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619930 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619930 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 40.87 | 32.98966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619932 | XX | XX | XX | XX | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619932 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619933 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619933 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619934 | XX | XX |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619934 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619934 | XX | XX |  |  | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223619934 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619935 | XX | XX |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619935 | XX | XX |  |  | Originator Application Date | XX |  | Verified | Field Value reflects the Broker Application Date while Tape Value reflects Creditor Application Date |
| 223619935 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 20.6 | 26.88395 | Verified | Field DTI is in line with the approval DTI. |
| 223619936 | XX | XX |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223619936 | XX | XX |  |  | Representative FICO | 776 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619936 | XX | XX |  |  | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619936 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223619936 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 48 | 43.86594 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619937 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619937 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619938 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619938 | XX | XX |  |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619939 | XX | XX |  |  | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223619939 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 43.172 | 34.63091 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619945 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 24.906 | 34.62091 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223619946 | XX | XX |  |  | Investor: Qualifying Total Debt Ratio | 44.81 | 52.51504 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223619948 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619948 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619949 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619949 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619950 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619950 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619951 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | The Bid Tape Field Value was not provided." |
| 223619952 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619952 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619953 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619953 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619954 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619955 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619956 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619956 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619957 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619957 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 39.485 | 37.43678 | Verified | Different expenses |
| 223619958 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619958 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619959 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619959 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 39.718 | 43.80524 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223619961 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619961 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619964 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619964 | XX | XX |  | XX | Balloon Flag |  | 0 | Verified | Field Value reflects Note |
| 223619965 | XX | XX |  | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619965 | XX | XX |  | XX | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223619965 | XX | XX |  | XX | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619966 | XX | XX |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223619966 | XX | XX |  |  | Original Term | 366 | 360 | Verified | Field Value reflects the Note value |
| 223619966 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619966 | XX | XX |  |  | Representative FICO | 787 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223619966 | XX | XX |  |  | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 223619967 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619967 | XX | XX | XX | XX | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223619967 | XX | XX | XX | XX | Interest Rate Life Max | 0 |  | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223619967 | XX | XX | XX | XX | Interest Rate Life Cap | 0 |  | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 223619967 | XX | XX | XX | XX | Interest Rate Periodic Cap | 0 |  | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223619967 | XX | XX | XX | XX | Interest Rate Initial Cap | 0 |  | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 223619968 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619968 | XX | XX |  |  | Original Term | 361 | 360 | Verified | Field Value reflects the Note value |
| 223619968 | XX | XX |  |  | Amortization Term | 361 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619968 | XX | XX |  |  | Original CLTV | 80 | 92.52632 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619968 | XX | XX |  |  | Original LTV | 80 | 92.52632 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619968 | XX | XX |  |  | Late Charge Percent | 1 | 4 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223619969 | XX | XX |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619969 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619969 | XX | XX |  |  | Original Term | 361 | 360 | Verified | Field Value reflects the Note value |
| 223619969 | XX | XX |  |  | Amortization Term | 361 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619969 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Loan is a Refinance. |
| 223619969 | XX | XX |  |  | Original CLTV | 80 | 85.09804 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619969 | XX | XX |  |  | Original LTV | 80 | 85.09804 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619969 | XX | XX |  |  | Late Charge Percent | 1 | 4 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223619969 | XX | XX |  |  | PMI Coverage % | [redacted] | [redacted] | Verified | No PMI reflected on loan. |
| 223619969 | XX | XX |  |  | Other Financing Junior Total Original Loan Amount | XX |  | Verified | No Other Financing reflected on loan. |
| 223619970 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223619970 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619970 | XX | XX |  |  | Original Term | 361 | 360 | Verified | Field Value reflects the Note value |
| 223619970 | XX | XX |  |  | Amortization Term | 361 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619970 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223619970 | XX | XX |  |  | Original CLTV | 80 | 94 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619970 | XX | XX |  |  | Original LTV | 80 | 94 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223619970 | XX | XX |  |  | Late Charge Percent | 1 | 4 | Verified | Field Value reflects Note 'Late Charge Percent' per the Note |
| 223619971 | XX | XX |  | XX | MERS Min Number | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619972 | XX | XX | XX | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619973 | XX | XX | XX | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619974 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619975 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619976 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619976 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619977 | XX | XX | XX | XX | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619977 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619978 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619978 | XX | XX | XX | XX | Investor: Qualifying Total Debt Ratio | 44.529 | 54.43236 | Verified | Lender used higher income and lower student payment amounts |
| 223619979 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619979 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619979 | XX | XX | XX | XX | Original CLTV | 57.24 | 61.15011 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223619980 | XX | XX | XX | XX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619980 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619981 | XX | XX | XX | XX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619981 | XX | XX | XX | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223619982 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619982 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619982 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619982 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 56.88 | 21.70314 | Verified | Field value reflects source document |
| 223619983 | XX | XX | XX |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619983 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619983 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619983 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 44.65 | 39.33797 | Verified | Field value reflects source document |
| 223619984 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 0.01 | 14.09013 | Verified | Field value reflects source document |
| 223619985 | XX | XX | XX |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619985 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619985 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 43.51 | 24.85245 | Verified | Field value reflects source document |
| 223619986 | XX | XX | XX |  | Property Type | Mixed Use | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223619986 | XX | XX | XX |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| 223619986 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619986 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 63.46 | 20.76518 | Verified | Field value reflects source document |
| 223619987 | XX | XX | XX |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619987 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619987 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619987 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 0.01 |  | Verified | Field value reflects source document |
| 223619988 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619988 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619988 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 33.96 | 32.79508 | Verified | Field value reflects source document |
| 223619990 | XX | XX | XX |  | Doc Type |  | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
| 223619990 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value reflects Approval/AUS value |
| 223619990 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619990 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 0.01 | 15.45217 | Verified | Field value reflects source document |
| 223619991 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619991 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 53.18 | 38.8472 | Verified | Field value reflects source document |
| 223619992 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619992 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619992 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 45.25 | 32.11718 | Verified | Field value reflects source document |
| 223619993 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619993 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619993 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619993 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 37.67 | 25.78946 | Verified | Field value reflects source document |
| 223619995 | XX | XX | XX |  | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619995 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value captured from Valuation model in file |
| 223619995 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619995 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 39.87 | 28.03733 | Verified | Correctly calculated. |
| 223619996 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223619996 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619996 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619996 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 60.49 | 22.37706 | Verified | Field value reflects source document |
| 223619997 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223619997 | XX | XX | XX |  | Doc Type |  | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619997 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619997 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 0.01 | 26.42747 | Verified | Field value reflects source document |
| 223619998 | XX | XX | XX |  | First Payment Date | XX | XX | Verified | Field Value reflects First Payment Date per the Note |
| 223619998 | XX | XX | XX |  | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| 223619998 | XX | XX | XX |  | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223619998 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223619998 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619998 | XX | XX | XX |  | Appraised Value | XX | XX | Verified | Field Value reflects Approval/AUS value |
| 223619998 | XX | XX | XX |  | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223619998 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 44.66 | 25.60708 | Verified | Field value reflects source document |
| 223619999 | XX | XX | XX |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223619999 | XX | XX | XX |  | Investor: Qualifying Housing Ratio | 67.81 | 33.04909 | Verified | Field value reflects source document |
| 223620000 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620000 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620000 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620000 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 46.897 | 33.73293 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223620001 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620001 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620001 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620002 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620002 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620002 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620003 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620003 | XX | XX |  | XX | Representative FICO | 641 | 713 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223620003 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620003 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620003 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 15.61 | 22.01868 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223620004 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620004 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620004 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620004 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 23.56 | 31.34369 | Verified | Unable to verify due to missing information |
| 223620005 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620006 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620006 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620006 | XX | XX |  | XX | PMI Company | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620006 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 44.79 | 51.39168 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223620007 | XX | XX |  | XX | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620007 | XX | XX |  | XX | Original Interest Rate | 0 | 4.25 | Verified | Field Value reflects the Note value |
| 223620007 | XX | XX |  | XX | Representative FICO | 654 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223620007 | XX | XX |  | XX | Contract Sales Price | XX | XX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620007 | XX | XX |  | XX | Original CLTV | 98.2 | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620007 | XX | XX |  | XX | Original LTV | 98.2 | 100 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620007 | XX | XX |  | XX | PMI Coverage % | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223620007 | XX | XX |  | XX | Investor: Qualifying Total Debt Ratio | 0 | 42.25849 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223620008 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620010 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620011 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620012 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620013 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620013 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620015 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620015 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620016 | XX | XX |  | XX | Original CLTV | 84.94 | 86.66823 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223620017 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620017 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620018 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620018 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620019 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620019 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620021 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620021 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620022 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223620022 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620023 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620023 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620024 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620024 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620025 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620025 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620026 | XX | XX |  | XX | Representative FICO | 681 | 690 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223620026 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223620026 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223620028 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Unable to verify due to missing information |
| 223620028 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223620031 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620033 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620033 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620034 | XX | XX |  | XX | Appraised Value | XX |  | Verified | Field Value captured from Valuation model in file |
| 223620034 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620035 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620036 | XX | XX |  | XX | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620040 | XX | XX |  |  | Amortization Term | 30 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 223620040 | XX | XX |  |  | Contract Sales Price | XX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223620066 | XX | XX | XX |  | Original Term | 663 | 180 | Verified | Field Value reflects the Note value |
| 223620066 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620066 | XX | XX | XX |  | Original Interest Rate | 0 | 4.75 | Verified | Field Value reflects the Note value |
| 223620066 | XX | XX | XX |  | Original P&I | 82.63 | 565.10 | Verified | Field Value reflects Note value |
| 223620066 | XX | XX | XX |  | Property Type | Single Family | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223620066 | XX | XX | XX |  | Original CLTV | 73 |  | Verified | Unable to verify due to missing information |
| 223620066 | XX | XX | XX |  | Original LTV | 73 |  | Verified | Unable to verify due to missing information |
| 223620066 | XX | XX | XX |  | LTV Valuation Value | XX |  | Verified | Unable to verify due to missing information |
| 223620067 | XX | XX | XX | XX | Original Term | 696 | 180 | Verified | Field Value reflects the Note value |
| 223620067 | XX | XX | XX | XX | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620067 | XX | XX | XX | XX | Original Interest Rate | 0 | 9.99 | Verified | Field Value reflects the Note value |
| 223620067 | XX | XX | XX | XX | Original P&I | 94.68 | 292.68 | Verified | Field Value reflects Note value |
| 223620067 | XX | XX | XX | XX | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223620067 | XX | XX | XX | XX | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223620067 | XX | XX | XX | XX | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223620068 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223620068 | XX | XX | XX |  | Original Interest Rate | 9.33 | 9.3264 | Verified | Field Value reflects the Note value |
| 223620068 | XX | XX | XX |  | Contract Sales Price | XX |  | Verified | Unable to verify due to missing information |
| 223620068 | XX | XX | XX |  | Original CLTV | 72.44 |  | Verified | Unable to verify due to missing information |
| 223620068 | XX | XX | XX |  | Original LTV | 72.44 |  | Verified | Unable to verify due to missing information |
| 223620069 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223620069 | XX | XX | XX |  | First Payment Date | XX |  | Verified | Unable to verify due to missing information |
| 223620069 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620070 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223620070 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223620070 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620071 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223620071 | XX | XX | XX |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223620071 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Captured from Security Agreement |
| 223620071 | XX | XX | XX |  | Property Type | Multi Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223620071 | XX | XX | XX |  | Original LTV | 38.4 | 75.04 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223620072 | XX | XX | XX |  | Property Type | Multi Family | Single Family Detached | Verified | Field value reflects information from a post closing inspection report. |
| 223620072 | XX | XX | XX |  | Original LTV | 19.3 |  | Verified | Unable to verify due to missing information |
| 223620073 | XX | XX | XX |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223620073 | XX | XX | XX |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223620073 | XX | XX | XX |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223620073 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620073 | XX | XX | XX |  | Property Type | Multi Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223620073 | XX | XX | XX |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620073 | XX | XX | XX |  | Original LTV | 32.4 | 100 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620074 | XX | XX |  |  | Original Interest Rate | 7.12 | 7.125 | Verified | Field Value reflects the Note value |
| 223620075 | XX | XX |  |  | First Payment Date | XX | XX | Verified | Verified with HELOC agreement |
| 223620075 | XX | XX |  |  | Original Term | 360 | 300 | Verified | Verified with HELOC agreement |
| 223620075 | XX | XX |  |  | Amortization Term | 360 | 300 | Verified | Verified with HELOC agreement |
| 223620075 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Verified with Security Agreement. |
| 223620077 | XX | XX | XX |  | Original Term | 300 | 240 | Verified | Validated with note |
| 223620077 | XX | XX | XX |  | Maturity Date | XX | XX | Verified | Validated with note |
| 223620077 | XX | XX | XX |  | Original Interest Rate | 0.0769 | 7.69 | Verified | Validated with note |
| 223620077 | XX | XX | XX |  | Representative FICO | 699 |  | Verified | Missing credit report |
| 223620077 | XX | XX | XX |  | Property Type | Single Family | UTD | Verified | Missing appraisal |
| 223620077 | XX | XX | XX |  | Lien Position | 1 | 2 | Verified | Validated with note |
| 223620077 | XX | XX | XX |  | Purpose | Purchase | Refinance | Verified | Validated with HUD |
| 223620077 | XX | XX | XX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |  |
| 223620078 | XX | XX |  |  | First Payment Date | XX |  | Verified | Unable to verify due to missing information |
| 223620078 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620078 | XX | XX |  |  | Original Interest Rate | 0 | 8.5 | Verified | Field Value reflects the Note value |
| 223620078 | XX | XX |  |  | Original CLTV | 80 | 47.7 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223620078 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223620079 | XX | XX |  |  | Note Date | XX | XX | Verified | Field Value reflects Note Date per the Note |
| 223620079 | XX | XX |  |  | Original Term | 360 | 180 | Verified | Field Value reflects the Note value |
| 223620079 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620079 | XX | XX |  |  | Original Interest Rate | 0 | 12.1 | Verified | Field Value reflects the Note value |
| 223620079 | XX | XX |  |  | LTV Valuation Value | XX | XX | Verified | Field value reflects source document |
| 223620114 | XX | XX |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223620114 | XX | XX |  |  | Original Interest Rate | 3.5 | 7.35 | Verified | Field Value reflects the Note value |
| 223620114 | XX | XX |  |  | Original P&I | 218.06 | 620.08 | Verified | Field Value reflects Note value |
| 223620114 | XX | XX |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223620146 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223620146 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620146 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223620146 | XX | XX |  |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620146 | XX | XX |  |  | Index Type |  | Prime (WSJ) | Verified | Field Value reflects 'Index Type' per the Note |
| 223620146 | XX | XX |  |  | Margin |  | -0.5 | Verified | Field Value reflects 'Margin' per the Note |
| 223620146 | XX | XX |  |  | First Interest Rate Change Date |  | 2010-07-31 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223620146 | XX | XX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223620146 | XX | XX |  |  | Interest Rate Life Min |  | 3.5 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223620146 | XX | XX |  |  | Interest Rate Life Max |  | 13.75 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223620146 | XX | XX |  |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223620146 | XX | XX |  |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223620146 | XX | XX |  |  | Payment Change Frequency |  | 6 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223620147 | XX | XX |  |  | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223620147 | XX | XX |  |  | Property Type | Condo | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223620147 | XX | XX |  |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620147 | XX | XX |  |  | Index Type |  | LIBOR - 6 Month (Daily) | Verified | Field Value reflects 'Index Type' per the Note |
| 223620147 | XX | XX |  |  | Margin |  | 5.9 | Verified | Field Value reflects 'Margin' per the Note |
| 223620147 | XX | XX |  |  | First Interest Rate Change Date |  | 2009-06-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223620147 | XX | XX |  |  | Interest Rate Change Frequency |  | 6 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 223620147 | XX | XX |  |  | Interest Rate Life Min |  | 9.3 | Verified | Field Value reflects 'Interest Rate Life Minimum' per the Note |
| 223620147 | XX | XX |  |  | Interest Rate Life Max |  | 16.3 | Verified | Field Value reflects 'Interest Rate Life Maximum' per the Note |
| 223620147 | XX | XX |  |  | Interest Rate Periodic Cap |  | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223620147 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223620147 | XX | XX |  |  | Payment Change Frequency |  | 6 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223620148 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620148 | XX | XX |  |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620148 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223620148 | XX | XX |  |  | Original CLTV | 91.83 | 97 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620148 | XX | XX |  |  | Original LTV | 91.83 | 97 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620149 | XX | XX |  |  | Original Loan Amount | XX | XX | Verified | Field Value reflects the Note value |
| 223620149 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620149 | XX | XX |  |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620149 | XX | XX |  |  | Margin | 0 | -0.62 | Verified | Field Value reflects 'Margin' per the Note |
| 223620149 | XX | XX |  |  | First Interest Rate Change Date |  | 2010-11-21 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 223620149 | XX | XX |  |  | Interest Rate Periodic Cap | 0 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 223620149 | XX | XX |  |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223620149 | XX | XX |  |  | Payment Change Frequency |  | 6 | Verified | Field Value reflects 'Payment Change Frequency' per the Note |
| 223620150 | XX | XX |  |  | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223620150 | XX | XX |  |  | Contract Sales Price |  | XX | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223620150 | XX | XX |  |  | Original CLTV | 78.93 | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620150 | XX | XX |  |  | Original LTV | 78.93 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223620151 | XX | XX |  |  | Maturity Date | XX | XX | Verified | Field Value reflects Maturity Date per the Note |
| 223620151 | XX | XX |  |  | Property Type | Raw Land/Other Non-Res Prop | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223620151 | XX | XX |  |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

![](ex99-6sch2_001.jpg)

**Exception Grades**

**Run Date - 6/20/2025 10:36:50 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223597812 | XX | XX |  | 33689741 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223597812 | XX | XX |  | 33689743 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Investment | Purchase | C A |  | N/A | No |
| 223597814 | XX | XX |  | 33689749 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Purchase | C A |  | N/A | Yes |
| 223597814 | XX | XX |  | 33689750 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223597814 | XX | XX |  | 33689751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223597814 | XX | XX |  | 33689752 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Purchase | C A |  | N/A | No |
| 223597827 | XX | XX |  | 33689828 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Buyer Comment (2023-12-22): CI<br>Reviewer Comment (2023-10-20): Exception Remains: Provided document does not reflect date when Initial & last rate lock date set.<br>Buyer Comment (2023-10-17): Initial Lock uploaded |  |  | 12/22/2023 | 2 B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689829 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | [Redacted]Disclosure Rule ([redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Buyer Comment (2023-12-22): CI<br>Reviewer Comment (2023-12-09): Evidence of List not provided.<br>Buyer Comment (2023-11-29): Homeownership counseling |  |  | 12/22/2023 | 2 B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted] The disclosed Total of Payments in the amount of[Redacted] is under disclosed by [Redacted]compared to the calculated total of payments of [Redacted] which exceeds the[Redacted] threshold. | Total of Payment disclosed is[Redacted]Calculated payment is [Redacted] Variance of [Redacted] |  |  |  | Buyer Comment (2024-08-07): NORTC outside of Completeddays<br>Reviewer Comment (2024-08-06): SOL passed<br>Reviewer Comment (2024-08-06): Unable to clear<br>Reviewer Comment (2023-11-22): [redacted] Received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD. Cure missing re-opening of rescission and [redacted] days expired on [redacted]. Check and re-opening of RTC not received on or before the [redacted]. The cure requirements have not been met, the status of the exception will be adjusted to Open - Unable to clear.<br>Buyer Comment (2023-11-20): Cure check and [Redcated] delivery uploaded<br>Reviewer Comment (2023-10-26): [redacted] Received Corrected CD, LOE to borrower and copy of cure refund with a principal reduction for $[redacted]. However, a material disclosure violation cannot be cured to borrower via principal reduction. Must refund via cure refund check. Additionally, proof of rescission being reopened was not received. To cure provide copy of cure refund for total underdisclosure of $[redacted], proof of mailing and proof of rescission reopened to all consumers.<br>Buyer Comment (2023-10-24): cure and corrected cd |  |  |  | 3 C |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 223597827 | XX | XX |  | 33689831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as[Redacted] on LE but disclosed as[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Tolerance violation of [Redacted] |  |  |  | Reviewer Comment (2023-10-26): [redacted] Received [redacted], LOE and payment history for principal reduction of cure<br>Buyer Comment (2023-10-24): cure and corrected cd |  | 10/26/2023 |  | 2 C B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223597827 | XX | XX |  | 33689832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as[Redacted] on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Tolerance violation of [Redacted]. |  |  |  | Reviewer Comment (2023-10-26): [redacted] Received [redacted], LOE and payment history for principal reduction of cure<br>Buyer Comment (2023-10-24): cure and corrected cd |  | 10/26/2023 |  | 2 C B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223597827 | XX | XX |  | 33689833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of[Redacted]exceeds tolerance of [Redacted]plus [Redacted] Insufficient or no cure was provided to the borrower. | [Redacted] tolerance was exceeded due to title fees are shown in Section B but the provider's are not listed on the[Redacted] No valid [Redacted]in the file. Tolerance violation of [Redacted] |  |  |  | Reviewer Comment (2023-10-26): [redacted] Received [redacted], LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-10-24): cure and corrected cd |  | 10/26/2023 |  | 2 C B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223597827 | XX | XX |  | 33689834 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-11-01): Delivery received<br>Buyer Comment (2023-10-25): [redacted] delivery<br>Buyer Comment (2023-10-25): additional valuation reports<br>Reviewer Comment (2023-10-16): Evidence of delivery for initial report provided. Still missing evidence of delivery of [redacted] report. Provide copies of all [redacted] reports and evidence of their delivery.<br>Buyer Comment (2023-09-29): Evidence of [redacted] delivery uploaded | 11/01/2023 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689835 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-11-01): Delivery received<br>Buyer Comment (2023-10-25): receipt of all valuation reports<br>Buyer Comment (2023-10-25): additional [redacted] valuations<br>Reviewer Comment (2023-10-16): Evidence of delivery for initial report provided. Still missing evidence of delivery of [redacted] report. Provide copies of all [redacted] reports and evidence of their delivery.<br>Buyer Comment (2023-09-29): Evidence of [redacted] delivery uploaded | 11/01/2023 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689836 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML[redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted] or Final Disclosure APR of[Redacted] is equal to or greater than the threshold of APOR [Redacted]. Non-Compliant Higher Priced Mortgage Loan. | APR of[Redacted] |  |  |  | Reviewer Comment (2023-11-01): Delivery received<br>Buyer Comment (2023-10-25): uploaded evidence of [redacted] receipt | 11/01/2023 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689837 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-10-27): Received Evidence of [redacted] [redacted] received by borrower.<br>Reviewer Comment (2023-10-26): Waiver Required [redacted] business days prior to closing.<br>Buyer Comment (2023-10-24): [redacted] correction and desk<br>Reviewer Comment (2023-10-16): Evidence of delivery for initial report provided. Still missing evidence of delivery of [redacted] report. Provide copies of all [redacted] reports and evidence of their delivery.<br>Buyer Comment (2023-09-29): Evidence of [redacted] delivery uploaded | 10/27/2023 |  |  | 1 B A |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689838 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-10-26): [redacted] Order Date Updated.<br>Buyer Comment (2023-10-24): [redacted] correction and desk report uploaded<br>Reviewer Comment (2023-10-16): Evidence of delivery for initial report provided. Still missing evidence of delivery of [redacted] report. Provide copies of all [redacted] reports and evidence of their delivery.<br>Buyer Comment (2023-09-29): Evidence of [redacted] delivery uploaded | 10/26/2023 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | C A | Non QM | Non QM | No |
| 223597827 | XX | XX |  | 33689839 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The[Redacted] form was used, the[Redacted] form should have been used. | Right to Cancel was issued on incorrect form. [Redacted] Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. [redacted] Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (2023-12-09): Provided the following: Letter of Explanation, Proof of Delivery, and Re-opened Rescission using the correct model form<br>Buyer Comment (2023-11-28): NORTC request and [Redcated] label<br>Buyer Comment (2023-11-28): Signed NORTC form |  | 12/09/2023 |  | 2 C B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  |  | 10/17/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689852 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  | 10/13/2023 |  |  | 1 D A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689853 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  |  | 10/17/2023 |  |  | 1 D A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689855 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  | 10/17/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689857 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | 10/17/2023 |  |  | 1 B A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689858 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  | 10/17/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689859 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  | 10/17/2023 |  |  | 1 B A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689860 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  | 10/17/2023 |  |  | 1 B A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689863 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  | 03/21/2024 | 2 B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 10/17/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 11/03/2023 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 11/03/2023 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 11/03/2023 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689868 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  |  | 3 C |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689869 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Residual Income Exceeds required amount by more than $2,500<br>Conservative use of credit.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 12/27/2023 | 2 C B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689870 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>Miscellaneous | Residual Income Exceeds required amount by more than $2,500<br>Conservative use of credit.<br>Prior homeownership Experience (No FC or SS) | SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 12/27/2023 | 2 C B |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689871 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 12/27/2023 |  |  | 1 B A C |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223597829 | XX | XX |  | 33689872 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 12/27/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689873 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  | 12/27/2023 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689874 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  | 10/17/2023 |  |  | 1 A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597829 | XX | XX |  | 33689875 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  | 10/17/2023 |  |  | 1 A |  | AR | Primary | Refinance - Cash-out - Debt Consolidation | D C B A | Non QM | Non QM | No |
| 223597831 | XX | XX |  | 33689889 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | [redacted] Constitution Section [redacted](a)([redacted]): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  |  | 09/27/2023 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689890 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) | [redacted]Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. |  |  |  |  |  | 09/27/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689891 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Subject Property is greater than 10 acres. |  |  | Miscellaneous<br>Borrower has verified disposable income of at least $2500.00. | Housing Ratio 25% or less.<br>Lender Comp Factor. | Originator<br>Originator,SitusAMC |  |  |  | 09/27/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689892 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | Lender Comp Factor.<br>Housing Ratio 25% or less.<br>Loan transaction results in total monthly payment savings of $28 or more per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 12/22/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689893 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous<br>Miscellaneous | Lender Comp Factor.<br>Housing Ratio 25% or less.<br>Loan transaction results in total monthly payment savings of $28 or more per month. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator<br>Originator |  |  |  | 12/22/2023 | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689894 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  | 11/15/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689895 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  | 09/27/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689896 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689897 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689898 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  | 09/27/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689899 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Unable to test fair market acknowledgment due to missing information. |  |  |  |  |  | 09/27/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689900 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) | [redacted]Constitution Section [redacted](a)([redacted]): Acknowledgment of the Fair Market Value not properly executed. |  |  |  |  |  | 09/27/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689901 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  |  |  | 11/01/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689902 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689903 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689904 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223597831 | XX | XX |  | 33689905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689906 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689907 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597831 | XX | XX |  | 33689909 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | D C A | Non QM | ATR Risk | No |
| 223597833 | XX | XX |  | 33689918 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA letter is missing. |  |  |  | Reviewer Comment (2023-11-15): As per Guideline, the underwriter must document verification of the self-employed borrower's business within [redacted] days of the note date. Received Business license dated [redacted] showing licensed to operate in [redacted]. Exception cleared<br>Buyer Comment (2023-11-09): Business license and proof verification within [redacted]business days of closing uploaded.<br>Reviewer Comment (2023-10-30): Received business license does not have document date and business active status, require third party verification/CPA letter/ business license document verifying [redacted]years existence of business and conformation of business existence no more than [redacted]days prior to the note date. Exception remains.<br>Buyer Comment (2023-10-27): Please note, Business License from State Bar of [redacted]is being re-uploaded and verifies borrowers business being open more than [redacted]years.<br>Reviewer Comment (2023-10-25): Cleared in error. Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted]days prior to the Note date.<br>Reviewer Comment (2023-10-18): Received [redacted]month bank statement and business license for verifying business existence [redacted]years, hence cleared the exception.<br>Buyer Comment (2023-10-10): Business license verifying business has been in existence for over [redacted]years uploaded. | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689919 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account statement is not provided for[redacted] month, ending [redacted] |  |  |  | Reviewer Comment (2023-10-18): Received [redacted]month bank statement, hence cleared the exception.<br>Buyer Comment (2023-10-10): Bank statement uploaded. | 10/18/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689920 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File does not contain evidence that the borrower received a copy of the appraisal report [redacted]days of closing. |  |  |  | Reviewer Comment (2023-11-01): Delivery received<br>Reviewer Comment (2023-10-25): Images still in PDF<br>Buyer Comment (2023-10-25): Appraisal proof of delivery uploaded. | 11/01/2023 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689923 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted]Constitution Section [redacted](a)([redacted]): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | File does not contain evidence that the borrower received Acknowledgment of the Fair Market Value. |  |  |  | Reviewer Comment (2023-11-01): Document provided.<br>Buyer Comment (2023-10-25): Disclosure signed by borrower uploaded.<br>Reviewer Comment (2023-10-18): Received Acknowledgment of the Fair Market Value which is signed by the lender, however borrower's signature is missing. Please provide Acknowledgment of the Fair Market Value signed and dated by the both lender and borrower. Exception remains.<br>Buyer Comment (2023-10-10): Disclosure executed by all uploaded. | 11/01/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689924 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The electronic consent was signed [redacted] and the borrower signed the initial LE electronically on[redacted]. |  |  |  | Buyer Comment (2023-11-29): Timing error<br>Reviewer Comment (2023-10-30): [redacted]received lender explanation that the system shows the application date as [redacted] and Carrington did not received application until [redacted] However, this [redacted]application ([redacted]) is the Broker application and has been signed by borrower and the broker and appears to be the initial [redacted]broker originated which starts the clock on the application date. The timing for the LE under § [redacted](e)([redacted])(iii) is three business days from application. In the event a mortgage broker receives the six pieces of information that constitute an application, the timing will start from the time the broker receives the application under § [redacted](e)([redacted])(ii). As a result, the timing for the Initial LE issued on [redacted] and the consumer acknowledged the receipt of the LE on [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted](e)([redacted])(iv)-[redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted]business days and acknowledged over [redacted]business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted]business days after application.<br>Buyer Comment (2023-10-27): Initial [redacted]application response uploaded.<br>Reviewer Comment (2023-10-11): [redacted] received e-consent dated[redacted].The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted](e)([redacted])(iv)-[redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted]business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted]business days after application.<br>Buyer Comment (2023-10-10): Expedite Audit Cert uploaded. |  |  |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689925 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to missing income documents. |  |  |  | Reviewer Comment (2023-10-25): Income documents remain outstanding. System clearing condition.<br>Reviewer Comment (2023-10-25): Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted]days prior to the Note date.<br>Reviewer Comment (2023-10-25): Cleared in error.<br>Reviewer Comment (2023-10-23): Received bank statement for the account # [redacted]for month ending [redacted]. please provide CPA letter to clear exception. Exception remains. | 10/25/2023 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689926 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | File is missing a CPA letter and statement for account # [redacted]for month ending [redacted]. |  |  |  | Reviewer Comment (2023-10-25): Income documents remain outstanding. System clearing condition.<br>Reviewer Comment (2023-10-25): Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted] days prior to the Note date.<br>Reviewer Comment (2023-10-25): Cleared in error.<br>Reviewer Comment (2023-10-18): Received 1 month bank statement and Business license to verify business existence for more than [redacted]years, hence cleared the exception.<br>Buyer Comment (2023-10-10): Income and asset documentation uploaded to specific exceptions. | 10/25/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689927 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA letter missing and statement for account # [redacted]for month ending [redacted] |  |  |  | Reviewer Comment (2023-10-25): Income documents remain outstanding. System clearing condition.<br>Reviewer Comment (2023-10-25): Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted] days prior to the Note date.<br>Reviewer Comment (2023-10-25): Cleared in error.<br>Reviewer Comment (2023-10-18): Received [redacted]month bank statement and Business license to verify business existence for more than [redacted]years, hence cleared the exception. | 10/25/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689928 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] percent fee tolerance violation in the amount of $[redacted]with no cure or COC provided to the borrower. |  |  |  | Reviewer Comment (2023-10-26): [Redacted] received Post CD,LOX and payment history.<br>Buyer Comment (2023-10-25): PCCD and payment history reflecting PR uploaded. |  | 10/26/2023 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689929 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [redacted]Constitution Section [redacted](a)([redacted]): [redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | File does not contain evidence that the borrower received all documents at the time of closing. |  |  |  | Reviewer Comment (2023-11-01): Affidavit provided.<br>Buyer Comment (2023-10-27): Affidavit uploaded.<br>Reviewer Comment (2023-10-18): Received Closing Disclosure, however require Home Equity Affidavit or Receipt of Copies of Document which specifies that no evidence that borrower(s) received copies of all documents signed at time of closing. Exception remains<br>Buyer Comment (2023-10-10): Closing Disclosure received by borrower prior to closing uploaded. | 11/01/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689930 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing CPA letter and statement for account # [redacted]for month ending[redacted]. |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Buyer Comment (2023-11-09): Business license and proof verification within [redacted]business days of closing uploaded.<br>Reviewer Comment (2023-11-01): Documentation not dated. Provide source documenta date.<br>Buyer Comment (2023-10-27): Please note, Business License from State Bar of [redacted] is being re-uploaded and verifies borrowers business being open more than [redacted]years.<br>Reviewer Comment (2023-10-25): Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted]days prior to the Note date. Bank statement received and cleared.<br>Buyer Comment (2023-10-10): Income and asset documentation uploaded to specific exceptions. | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689931 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CPA letter and statement for account # [redacted]for month ending[redacted]. |  |  |  | Reviewer Comment (2023-11-15): As per Guideline, the underwriter must document verification <br> of the self-employed borrower's business within [redacted]days of the note date. Received Business license dated [redacted]showing licensed to operate in [redacted]. Exception cleared.<br>Buyer Comment (2023-11-09): Business license and proof verification within [redacted]business days of closing uploaded.<br>Reviewer Comment (2023-10-30): Received business license does not have document date and business active status, require third party verification/CPA letter/ business license document verifying [redacted]years existence of business and conformation of business existence no more than [redacted]days prior to the note date. Exception remains.<br>Buyer Comment (2023-10-27): Please note, Business License from State Bar of [redacted] is being re-uploaded and verifies borrowers business being open more than [redacted]years.<br>Reviewer Comment (2023-10-25): Per Guidelines - <br> Ÿ Borrowers must be self-employed for at least two ([redacted]) years verified by ([redacted]) years of business licenses or a CPA letter.<br> Ÿ Borrower may not be an employee of any other borrower<br> Ÿ Business must be in existence for at least two ([redacted]) years<br> Ÿ [redacted]months complete business bank statements to evidence<br> o the borrower's business maintains a separate business account for business deposits and expenses, and<br> o the borrower's personal account reflects deposits transferred from the business account (i.e., the personal account receives net<br> income from the business). If the borrower does not maintain a separate business account, or business expenses are comingled in the borrower's personal account, the guidelines for Business Bank Statements must be followed. Analysing as business bank statements requires verification of percentage of ownership as well.<br>Buyer Comment (2023-10-25): Please note, loan underwritten with Personal Bank Statements and Business license and LOE from borrower regarding nature of business uploaded and meets guideline requirements.<br>Reviewer Comment (2023-10-23): Received bank statement for the account # [redacted]for month ending [redacted]. please provide CPA letter to clear exception. Exception remains.<br>Buyer Comment (2023-10-10): Bank statement uploaded. | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689932 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing CPA letter and statement for account # [redacted]for month ending [redacted]. |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Buyer Comment (2023-11-09): Business license and proof verification within [redacted]business days of closing uploaded.<br>Reviewer Comment (2023-11-01): Documentation not dated. Provide source documenta date.<br>Buyer Comment (2023-10-27): Please note, Business License from State Bar of [redacted]is being re-uploaded and verifies borrowers business being open more than [redacted]years.<br>Reviewer Comment (2023-10-25): Bank statement cleared. Income documentation remains open. Per documentation provided it is self-reported by the borrower, not a business license or CPA letter. Third Party verification required confirming [redacted]years self employment, [redacted]years of business being open, and confirmation business existence no more than [redacted]days prior to the Note date.<br>Buyer Comment (2023-10-10): Income and asset documentation uploaded to specific exceptions. | 11/15/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689933 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | [redacted]Constitution Section [redacted](a)([redacted]): Revised Notice Concerning Extensions of Credit not provided on TX Home Equity Loan made on or after [redacted]as required by Section [redacted](g). |  |  |  |  | Reviewer Comment (2023-11-01): Document provided.<br>Buyer Comment (2023-10-25): Disclosure uploaded.<br>Reviewer Comment (2023-10-18): Received Notice Concerning Refinance of Existing Home Equity Loan Section [redacted](f)([redacted]), however required Notice Concerning Extensions of Credit Home Equity Loan Section [redacted](a)([redacted]). Exception remains<br>Buyer Comment (2023-10-10): Disclosure uploaded. | 11/01/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689934 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard policy reflects a Mortgagee for the policy. Provide a copy of the mortgage statement associates with a lien on the property. |  |  |  | Reviewer Comment (2023-11-28): No mortgage for property.<br>Buyer Comment (2023-11-20): Hazard policy reflecting no mortgagee uploaded for commercial property.<br>Reviewer Comment (2023-10-31): Please Note hazard document provided for [redacted] is reflecting additional interest - loss payee as [redacted]. Exception remains.<br>Buyer Comment (2023-10-27): Please see Fraud Report uploaded with initial package page [redacted]referencing property does not have a mortgage tied to it.<br>Reviewer Comment (2023-10-25): Cleared in error. Loss Payee present on policy. Provide Mortgage statement for lien against [redacted] Market Center with [redacted]Security Bank.<br>Reviewer Comment (2023-10-18): On the received Hazard Insurance Policy there is no Mortgagee clause given for property [redacted]Market Center [redacted], [redacted], [redacted], hence cleared the exception.<br>Buyer Comment (2023-10-10): Hazard policy uploaded. | 11/28/2023 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to missing CPA letter. |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Buyer Comment (2023-11-09): Business license and proof verification within [redacted]business days of closing uploaded.<br>Reviewer Comment (2023-11-01): Documentation not dated. Provide source documenta date.<br>Buyer Comment (2023-10-27): Business license from State Bar of [redacted] uploaded.<br>Reviewer Comment (2023-10-25): Per Guidelines - <br> Ÿ Borrowers must be self-employed for at least [redacted]([redacted]) years verified by [redacted]([redacted]) years of business licenses or a CPA letter.<br> Ÿ Borrower may not be an employee of any other borrower<br> Ÿ Business must be in existence for at least [redacted]([redacted]) years<br> Ÿ [redacted]months complete business bank statements to evidence<br> o the borrower's business maintains a separate business account for business deposits and expenses, and<br> o the borrower's personal account reflects deposits transferred from the business account (i.e., the personal account receives net<br> income from the business). If the borrower does not maintain a separate business account, or business expenses are comingled in the borrower's personal account, the guidelines for Business Bank Statements must be followed. Analysing as business bank statements requires verification of percentage of ownership as well.<br>Buyer Comment (2023-10-25): Please note, loan underwritten with Personal Bank Statements and Business license and LOE from borrower regarding nature of business uploaded and meets guideline requirements. | 11/15/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689936 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted]Constitution Section [redacted](a)([redacted]): Missing Revised Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted]days prior to closing. |  |  |  |  | Reviewer Comment (2023-11-15): Documents received, system cleared.<br>Buyer Comment (2023-11-09): Disclosure uploaded. | 11/15/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| 223597833 | XX | XX |  | 33689937 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Documentation from State of [redacted] does not have the date the information was obtained. Need verification of business existence required within [redacted]calendar days of<br> closing. Provide [redacted]months business bank statements to support income for borrower. |  |  |  | Reviewer Comment (2023-11-15): As per Guideline, the underwriter must document verification <br> of the self-employed borrower's business within [redacted]days of the note date. Received Business license dated [redacted] showing licensed to operate in [redacted]. Exception cleared.<br>Buyer Comment (2023-11-09): Business License and proof verification of business verified [redacted]business days prior to closing uploaded. | 11/15/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597833 | XX | XX |  | 33689938 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | If using personal bank statement income, please provide [redacted]months business bank statement, or indicate borrower does not maintain a separate account. |  |  |  | Reviewer Comment (2023-11-15): As per Guideline, If the borrower does not maintain a separate business account, or business expenses are comingled in the borrower's personal account, the guidelines for Business Bank Statements must be followed. Guidelines related to business bank statements are satisfied. Exception Cleared<br>Buyer Comment (2023-11-09): Income LOE from borrower stating nature of business as a licensed attorney. No business bank statements. | 11/15/2023 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689944 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-12-21): Property report received and verified CU score which is [redacted]hence CDA is not required. Exception Cleared.<br>Buyer Comment (2023-12-15): Please note, document uploaded initially is CU and meets guideline requirements.<br>Reviewer Comment (2023-12-08): Require UCDP document of Fannie & Freddie with reflecting CU score to clear this exception. Exception Remains.<br>Buyer Comment (2023-11-27): Appraisal Review CU uploaded. | 12/21/2023 |  |  | 1 D A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689945 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan due to missing evidence receipt of the appraisals. |  |  |  | Reviewer Comment (2024-01-12): Received evidence of delivery<br>Reviewer Comment (2024-01-10): Escalated.<br>Buyer Comment (2023-12-29): Appraisal proof of [redacted] delivered.<br>Reviewer Comment (2023-12-09): There is no evidence of delivery of the [redacted] Appraisal. Evidence provided is for the [redacted]Appraisal. Need [redacted] delivery.<br>Buyer Comment (2023-11-27): Appraisal proof of delivery uploaded. | 01/12/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689946 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (2023-12-09): Delivery provided. System Clear.<br>Buyer Comment (2023-11-27): Appraisal proof of delivery uploaded. | 12/09/2023 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689947 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-[redacted]/Final Closing Disclosure. | The Post Closing Closing Disclosure reflects escrows collected of $[redacted]. A revised Initial Escrow Account Disclosure Statement was not found. |  |  |  | Reviewer Comment (2024-01-10): Disclosure provided, yet not dated.<br>Buyer Comment (2023-12-29): Initial Escrow Acct Disclosure uploaded.<br>Reviewer Comment (2023-12-09): Exception is requiring a corrected Initial Escrow Account Disclosure that matches the [redacted] CD.<br>Buyer Comment (2023-12-07): \* | 01/10/2024 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted]received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting PR uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689949 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. The Change of Circumstance in file does not contain the reason for the change. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted]received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting [redacted]uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689950 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance offor this added fee utilizing a provider on the Service Provider List. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted]received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting [redacted]uploaded.<br>Reviewer Comment (2023-11-28): [redacted] Received Cure Documents for $[redacted]; however, overall Cure required on file is $[redacted]. Additional $[redacted]Cure required. Provide Cure Docs for Additional Cure of $[redacted]<br>Buyer Comment (2023-11-27): PCCD and payment history reflecting PR uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted]received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting [redacted]uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted] received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting [redacted]uploaded.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting [redacted] uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted] received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting PR uploaded.<br>Reviewer Comment (2023-11-28): [redacted]Received Cure Documents for $[redacted]; however, overall Cure required on file is $[redacted]. Additional $[redacted]Cure required. Provide Cure Docs for Additional Cure of $[redacted]<br>Buyer Comment (2023-11-27): PCCD and payment history reflecting [redacted]uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689954 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. A valid Change of Circumstance was not found. |  |  |  | Reviewer Comment (2023-12-18): [redacted]received PCCD, LOE and payment history for principal reduction of cure.<br>Buyer Comment (2023-12-18): PCCD and payment history reflecting additional cure uploaded.<br>Reviewer Comment (2023-12-08): [redacted]received Post CD,LOX and payment history. However, the provided cure of $[redacted]is insufficient to suffice the total cure amount of $[redacted]. Kindly provide additional cure of $[redacted]along with cure documents in order to cure the exception. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2023-12-07): PCCD and payment history reflecting PR uploaded. |  | 12/18/2023 |  | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689955 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO of [redacted]does not meet required [redacted]FICO. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2023-12-22): Exception approval provided with [redacted]. [redacted]Update.<br>Buyer Comment (2023-12-15): Revised exception approval including FICO exception approved by [redacted].<br>Reviewer Comment (2023-12-09): FICO exception not included with DTI exception with EXCEPTION COMMENTS as Approved.<br>Buyer Comment (2023-11-27): UPE approved [redacted] by [redacted] for FICO uploaded. |  |  | 12/22/2023 | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689956 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | FICO of [redacted]does not meet required [redacted]FICO. Letter of explanation from the borrower for cash out reason not found as required per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-01-10): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-12-29): Post Consummation Exception Approval uploaded. |  |  | 01/10/2024 | 2 C B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689957 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Letter of explanation from the borrower for cash out reason not found as required per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted]years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Low housing ratio of [redacted]% or less. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2024-01-10): Lender Exception with Compensating Factors.<br>Buyer Comment (2023-12-29): Post Consummation Exception Approval uploaded. |  |  | 01/10/2024 | 2 C B D |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689958 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | The document signed at closing indicating receipt of the appraisal is not valid. It contains two options and the borrower did not select the option that applied. Document was not found to verify the appraisal was received at least [redacted]business days prior to closing. |  |  |  | Reviewer Comment (2023-12-05): Exception Cleared: Received [redacted]proof of delivery document.<br>Buyer Comment (2023-11-27): Appraisal proof of delivery uploaded. | 12/05/2023 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689959 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | The document signed at closing indicating receipt of the appraisal is not valid. It contains two options and the borrower did not select the option that applied. Document was not found to verify the appraisal was received at least [redacted]business days prior to closing. |  |  |  | Buyer Comment (2024-01-11): \*<br>Reviewer Comment (2024-01-11): The original appraisal was provided within [redacted]days, the revised appraisal (that only had clerical revisions) was not provided within [redacted]days however it was provided to the borrower. This allows the exception to be graded EV2.<br>Reviewer Comment (2024-01-10): Escalated.<br>Buyer Comment (2023-12-29): Appraisal proof of [redacted] delivered.<br>Reviewer Comment (2023-12-09): There is no evidence of delivery of the [redacted] [redacted]. Evidence provided is for the [redacted] Appraisal. Need [redacted] delivery.<br>Buyer Comment (2023-12-07): \*<br>Reviewer Comment (2023-12-05): Exception Remains: Preliminary [redacted]is dated [redacted] Unable to identify preliminary appraisal delivered date from proof of delivery document.<br>Buyer Comment (2023-11-27): [redacted]proof of delivery uploaded. |  |  | 01/11/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689960 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The document signed at closing indicating receipt of the appraisal is not valid. It contains two options and the borrower did not select the option that applied. Document was not found to verify the appraisal was received at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2024-01-12): Received evidence of delivery<br>Reviewer Comment (2024-01-11): The original appraisal was provided within [redacted]days, the revised appraisal (that only had clerical revisions) was not provided within [redacted]days however it was provided to the borrower. This allows the exception to be graded EV2.<br>Reviewer Comment (2024-01-10): Escalated.<br>Buyer Comment (2023-12-29): Appraisal proof of [redacted] delivered.<br>Reviewer Comment (2023-12-09): There is no evidence of delivery of the [redacted] Appraisal. Evidence provided is for the [redacted] Appraisal. Need[redacted] delivery.<br>Buyer Comment (2023-11-27): Appraisal proof of delivery uploaded. | 01/12/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689961 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage payoff statement was not found. |  |  |  | Reviewer Comment (2023-12-05): Exception Cleared: Received Payoff statement<br>Buyer Comment (2023-11-27): Payoff uploaded. | 12/05/2023 |  |  | 1 B A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689962 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | Unable to determine if the initial escrow account statement is compliant based on missing information. | Disclosure provided, yet not dated. |  |  |  | Buyer Comment (2024-01-11): \* |  |  | 01/11/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597836 | XX | XX |  | 33689963 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-01-11): [redacted] received Letter of Explanation & Corrected Closing Disclosure. | 01/11/2024 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Page [redacted] and [redacted]reflect and escrow payment of $[redacted], but escrows are $[redacted]. |  |  |  | Reviewer Comment (2024-01-11): [redacted]received Letter of Explanation & Corrected Closing Disclosure. |  | 01/11/2024 |  | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223597836 | XX | XX |  | 33689966 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three ([redacted]) business days prior to consummation. | Received evidence of delivery |  |  |  | Buyer Comment (2024-01-12): \* |  |  | 01/12/2024 | 2 B |  | TN | Primary | Refinance - Cash-out - Debt Consolidation | D B C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689969 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood cert missing from file. |  |  |  | Reviewer Comment (2024-06-29): Flood certificate provided<br>Buyer Comment (2024-06-26): Attached. | 06/29/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689971 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The borrower or tax preparer must provide a signed letter of explanation describing thhe nature of the business, how income is generated, and how long the business been in existence. |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Most of the required information is included in the binder under Third Party Verification of Employment, page [redacted]. Attached is the borrower's explanation of the nature of the business. | 06/29/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689973 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The borrower or tax preparer must provide a signed letter of explanation describing thhe nature of the business, how income is generated, and how long the business been in existence. |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Addressed in response to exception ID [redacted]. | 06/29/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689974 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The borrower or tax preparer must provide a signed letter of explanation describing thhe nature of the business, how income is generated, and how long the business been in existence. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines.<br>Reviewer Comment (2024-07-24): Borrower short reserves and funds to close.<br>Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Addressed in response to exception ID [redacted]. | 07/26/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223597838 | XX | XX |  | 33689975 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The borrower or tax preparer must provide a signed letter of explanation describing thhe nature of the business, how income is generated, and how long the business been in existence. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines.<br>Reviewer Comment (2024-07-24): Borrower short reserves and funds to close. See individual exceptions.<br>Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Addressed in response to exception ID [redacted]. | 07/26/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689976 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The borrower or tax preparer must provide a signed letter of explanation describing thhe nature of the business, how income is generated, and how long the business been in existence. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines.<br>Reviewer Comment (2024-07-24): Borrower short reserves and funds to close. See individual exceptions.<br>Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Addressed in response to exception ID [redacted]. | 07/26/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689977 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Response attached to exception ID [redacted]. | 06/29/2024 |  |  | 1 B A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689978 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): Response attached to exception ID [redacted]. | 06/29/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689979 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-06-29): Documents received, system cleared.<br>Buyer Comment (2024-06-26): [redacted] confirmed receipt on [redacted], see attached.<br>Reviewer Comment (2024-06-24): Appraisal emailed to borrower on [redacted] and without proof of borrower receipt the system is using [redacted]receipt date which is not within [redacted]days of consummation date. | 06/29/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689981 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Funds required for closing are $[redacted], verified assets are $[redacted], short $[redacted]. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines. | 07/26/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689982 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Borrower short reserves and funds to close. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines. | 07/26/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223597838 | XX | XX |  | 33689983 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Borrower short reserves. |  |  |  | Reviewer Comment (2024-07-26): Gift fund $[redacted]have been documented and updated correctly. Exception cleared.<br>Buyer Comment (2024-07-25): Verified assets $[redacted], EMD of $[redacted]already taken into account and sourced from [redacted]. Gift funds $[redacted]have been documented and deposited directly into escrow. CD dated [redacted] reflects CTC = $[redacted]. Reserves = $[redacted]([redacted]months) meets guidelines. | 07/26/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223618126 | XX | XX |  | 33694247 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618126 | XX | XX |  | 33694249 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618127 | XX | XX |  | 33694250 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618127 | XX | XX |  | 33694252 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618127 | XX | XX |  | 33694253 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618127 | XX | XX |  | 33694254 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618128 | XX | XX |  | 33694256 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618128 | XX | XX |  | 33694257 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618128 | XX | XX |  | 33694258 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | TIL Itemization did not disclose an Loan Email/E-doc $[redacted], Recording Service Fee $[redacted], Title Courier Messaging Fee $[redacted]as prepaid finance charge. HUD-[redacted]did not disclosed C/A [redacted]/Misc Fees $[redacted]as prepaid finance charge. |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618129 | XX | XX |  | 33694259 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618129 | XX | XX |  | 33694260 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618129 | XX | XX |  | 33694261 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618129 | XX | XX |  | 33694262 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted]. Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618129 | XX | XX |  | 33694263 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618129 | XX | XX |  | 33694266 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618129 | XX | XX |  | 33694267 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618129 | XX | XX |  | 33694268 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618129 | XX | XX |  | 33694269 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618129 | XX | XX |  | 33694270 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618129 | XX | XX |  | 33694271 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694272 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694273 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694274 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694275 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694276 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694279 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694280 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694281 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694282 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | [redacted] Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694283 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Maximum calculated prepay of $[redacted]exceeds the state maximum for first lien loans of [redacted]% of the prepaid balance ($[redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618130 | XX | XX |  | 33694284 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618130 | XX | XX |  | 33694285 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618130 | XX | XX |  | 33694286 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618131 | XX | XX |  | 33694287 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 Alternate Document Used for Fees (Primary) | Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Reviewer Comment (2025-03-06): Seller agrees<br>Seller Comment (2025-03-06): No signed Final HUD in file. Unable to procure. |  |  |  | 3 C D |  | CA | Primary | Purchase | C D |  |  | No |
| 223618131 | XX | XX |  | 33694288 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C D |  |  | No |
| 223618131 | XX | XX |  | 33694289 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | No Defined Cure |  |  | No |
| 223618132 | XX | XX |  | 33694291 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223618132 | XX | XX |  | 33694292 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 223618132 | XX | XX |  | 33694293 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618133 | XX | XX |  | 33694294 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618133 | XX | XX |  | 33694296 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618133 | XX | XX |  | 33694297 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618133 | XX | XX |  | 33694298 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618134 | XX | XX |  | 33694299 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223618134 | XX | XX |  | 33694300 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223618134 | XX | XX |  | 33694302 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223618134 | XX | XX |  | 33694303 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 223618134 | XX | XX |  | 33694304 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 223618135 | XX | XX |  | 33694305 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 223618135 | XX | XX |  | 33694306 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 223618136 | XX | XX |  | 33694307 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of[redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618136 | XX | XX |  | 33694308 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618137 | XX | XX |  | 33694311 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B |  |  | No |
| 223618138 | XX | XX |  | 33694312 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694313 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694314 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694315 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted]. Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694316 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted]which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694319 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618138 | XX | XX |  | 33694320 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618138 | XX | XX |  | 33694321 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618138 | XX | XX |  | 33694322 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618139 | XX | XX |  | 33694323 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618139 | XX | XX |  | 33694324 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618139 | XX | XX |  | 33694325 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618139 | XX | XX |  | 33694328 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618139 | XX | XX |  | 33694329 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618139 | XX | XX |  | 33694330 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618139 | XX | XX |  | 33694331 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to three ([redacted]) business days from transaction date of[redacted] |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618139 | XX | XX |  | 33694332 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694333 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694334 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694335 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694336 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694337 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694338 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694341 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618140 | XX | XX |  | 33694342 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618140 | XX | XX |  | 33694343 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618141 | XX | XX |  | 33694346 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618141 | XX | XX |  | 33694347 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618141 | XX | XX |  | 33694348 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618141 | XX | XX |  | 33694349 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted]which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618141 | XX | XX |  | 33694352 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618141 | XX | XX |  | 33694353 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618141 | XX | XX |  | 33694354 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618142 | XX | XX |  | 33694355 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618142 | XX | XX |  | 33694356 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618142 | XX | XX |  | 33694357 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618142 | XX | XX |  | 33694360 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618142 | XX | XX |  | 33694361 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted]days is less than the state minimum of [redacted]days. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618142 | XX | XX |  | 33694362 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of[redacted] |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618142 | XX | XX |  | 33694363 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted]orm was used, the [redacted]form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618142 | XX | XX |  | 33694364 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694365 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694366 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694367 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694368 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted] does not match calculated P&I of $[redacted]. Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694369 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694372 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694373 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Grace Period Testing | [redacted]Late Charge: Note grace period of[redacted] days is less than the state minimum of [redacted]days. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618143 | XX | XX |  | 33694374 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618143 | XX | XX |  | 33694375 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618143 | XX | XX |  | 33694376 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] prior to three ([redacted]) business days from transaction date of[redacted]. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618144 | XX | XX |  | 33694377 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694378 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694379 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted] Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694380 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694383 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694384 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618144 | XX | XX |  | 33694385 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618144 | XX | XX |  | 33694386 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618144 | XX | XX |  | 33694387 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618144 | XX | XX |  | 33694388 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618144 | XX | XX |  | 33694389 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694391 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694392 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694393 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694394 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694395 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694397 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694399 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618145 | XX | XX |  | 33694400 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618145 | XX | XX |  | 33694401 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618145 | XX | XX |  | 33694402 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 1[redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618146 | XX | XX |  | 33694403 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618146 | XX | XX |  | 33694404 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618146 | XX | XX |  | 33694405 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618146 | XX | XX |  | 33694407 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618146 | XX | XX |  | 33694408 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618146 | XX | XX |  | 33694409 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618146 | XX | XX |  | 33694410 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694411 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694412 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694413 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694414 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694416 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694417 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694418 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted]. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694419 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694421 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694423 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618147 | XX | XX |  | 33694425 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618147 | XX | XX |  | 33694426 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618147 | XX | XX |  | 33694427 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618148 | XX | XX |  | 33694428 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694429 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694430 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694431 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694432 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694433 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694434 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694436 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694438 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618148 | XX | XX |  | 33694439 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618148 | XX | XX |  | 33694440 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618148 | XX | XX |  | 33694441 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-[redacted]form was used instead of the H-[redacted]form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618148 | XX | XX |  | 33694442 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618148 | XX | XX |  | 33694443 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694444 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694445 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694447 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694448 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694449 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694450 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694451 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694452 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694454 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694456 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-[redacted]Form was used and property is in the [redacted]circuit) |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618149 | XX | XX |  | 33694457 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223618149 | XX | XX |  | 33694458 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618149 | XX | XX |  | 33694459 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618150 | XX | XX |  | 33694460 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694462 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694463 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694464 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694465 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694468 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618150 | XX | XX |  | 33694469 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618151 | XX | XX |  | 33694470 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694472 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694473 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694474 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694475 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694477 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694479 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618151 | XX | XX |  | 33694480 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618151 | XX | XX |  | 33694481 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618151 | XX | XX |  | 33694482 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618152 | XX | XX |  | 33694483 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618152 | XX | XX |  | 33694484 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618152 | XX | XX |  | 33694485 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618152 | XX | XX |  | 33694488 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618152 | XX | XX |  | 33694489 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618152 | XX | XX |  | 33694490 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618152 | XX | XX |  | 33694491 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618152 | XX | XX |  | 33694492 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618153 | XX | XX |  | 33694494 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618153 | XX | XX |  | 33694496 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618153 | XX | XX |  | 33694497 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618153 | XX | XX |  | 33694500 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618153 | XX | XX |  | 33694501 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618153 | XX | XX |  | 33694502 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618153 | XX | XX |  | 33694503 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to thr[redacted]ee ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618153 | XX | XX |  | 33694504 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694505 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694506 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694507 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694508 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted]. Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694509 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694512 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694513 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618154 | XX | XX |  | 33694514 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of 0[redacted]. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618154 | XX | XX |  | 33694515 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694516 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618154 | XX | XX |  | 33694517 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | CA | UTD | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618155 | XX | XX |  | 33694518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694519 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694520 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694521 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694522 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694523 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694526 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618155 | XX | XX |  | 33694527 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618155 | XX | XX |  | 33694528 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted]form was used, the H-[redacted]form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618156 | XX | XX |  | 33694529 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694530 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694531 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694532 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694534 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694536 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618156 | XX | XX |  | 33694537 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618156 | XX | XX |  | 33694538 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618156 | XX | XX |  | 33694539 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618157 | XX | XX |  | 33694541 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618157 | XX | XX |  | 33694543 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618157 | XX | XX |  | 33694544 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618157 | XX | XX |  | 33694545 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618157 | XX | XX |  | 33694548 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618157 | XX | XX |  | 33694549 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Unable to determine over disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618157 | XX | XX |  | 33694550 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223618157 | XX | XX |  | 33694551 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | LA | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618158 | XX | XX |  | 33694552 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Other | C D |  |  | No |
| 223618158 | XX | XX |  | 33694553 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]Alternate Document Used for Fees (Primary) | Missing Final HUD-[redacted]: HUD[redacted], not signed or stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 C D |  | CA | Primary | Refinance - Cash-out - Other | C D |  |  | No |
| 223618158 | XX | XX |  | 33694555 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted]([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure |  |  | No |
| 223618158 | XX | XX |  | 33694556 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Approval indicates the index used was [redacted]%. The Closest index available in our look-back period is [redacted]% |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | Yes |
| 223618158 | XX | XX |  | 33694557 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Yes |
| 223618158 | XX | XX |  | 33694558 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Yes |
| 223618158 | XX | XX |  | 33694559 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [redacted]/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C D |  |  | No |
| 223618159 | XX | XX |  | 33694560 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618159 | XX | XX |  | 33694561 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618159 | XX | XX |  | 33694562 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618159 | XX | XX |  | 33694564 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618159 | XX | XX |  | 33694565 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618159 | XX | XX |  | 33694566 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Under disclosure is due to the lender utilizing an index value of [redacted]% per the Approval [redacted], however the lowest index value available in the lookback period is [redacted]%. |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618159 | XX | XX |  | 33694567 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618159 | XX | XX |  | 33694568 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618160 | XX | XX |  | 33694569 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618160 | XX | XX |  | 33694571 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618160 | XX | XX |  | 33694572 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618160 | XX | XX |  | 33694573 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Approval indicate the Index used was [redacted]%. The closest Index available in our look-back period is [redacted]%. |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618161 | XX | XX |  | 33694574 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618161 | XX | XX |  | 33694575 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618161 | XX | XX |  | 33694577 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618161 | XX | XX |  | 33694578 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618161 | XX | XX |  | 33694579 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618161 | XX | XX |  | 33694580 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618162 | XX | XX |  | 33694581 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618162 | XX | XX |  | 33694582 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | TIL itemization did not disclose Settlement fee of $[redacted]as prepaid finance charge. |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223618162 | XX | XX |  | 33694583 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618162 | XX | XX |  | 33694584 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618162 | XX | XX |  | 33694586 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Interest and Usury Prepayment Penalty | [redacted] Prepayment Penalty: Maximum calculated prepay of $[redacted]exceeds the state maximum of [redacted]months interest calculated on [redacted] of the original balance ($[redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618163 | XX | XX |  | 33694588 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | WA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618163 | XX | XX |  | 33694589 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618163 | XX | XX |  | 33694590 |  | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-[redacted]RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-[redacted] HUD[redacted], not signed or stamped used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618163 | XX | XX |  | 33694591 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618163 | XX | XX |  | 33694592 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618164 | XX | XX |  | 33694593 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618164 | XX | XX |  | 33694594 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618164 | XX | XX |  | 33694595 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618164 | XX | XX |  | 33694596 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618164 | XX | XX |  | 33694598 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted] ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618164 | XX | XX |  | 33694599 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618165 | XX | XX |  | 33694600 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618165 | XX | XX |  | 33694602 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty ([redacted] Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than [redacted]%. Loan contracts for an interest rate of [redacted]%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618165 | XX | XX |  | 33694603 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618165 | XX | XX |  | 33694604 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618166 | XX | XX |  | 33694605 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618166 | XX | XX |  | 33694606 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618166 | XX | XX |  | 33694607 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618166 | XX | XX |  | 33694609 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted]Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618166 | XX | XX |  | 33694610 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted]Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than [redacted]% is [redacted]months. Loan with an interest rate of [redacted]% contracts for a prepay term of [redacted]months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618166 | XX | XX |  | 33694611 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618166 | XX | XX |  | 33694612 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223618167 | XX | XX |  | 33694613 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618167 | XX | XX |  | 33694615 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618167 | XX | XX |  | 33694616 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted]([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618167 | XX | XX |  | 33694617 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted]([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618167 | XX | XX |  | 33694618 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618168 | XX | XX |  | 33694619 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223618168 | XX | XX |  | 33694621 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618168 | XX | XX |  | 33694622 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223618169 | XX | XX |  | 33694623 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B |  |  | No |
| 223618169 | XX | XX |  | 33694624 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted]or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B |  |  | No |
| 223618169 | XX | XX |  | 33694625 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B |  |  | No |
| 223618169 | XX | XX |  | 33694626 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty ARM Test | [redacted] Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within [redacted]days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B |  |  | No |
| 223618169 | XX | XX |  | 33694627 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 223618169 | XX | XX |  | 33694628 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 223618170 | XX | XX |  | 33694629 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223618170 | XX | XX |  | 33694630 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223618170 | XX | XX |  | 33694631 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223618170 | XX | XX |  | 33694632 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223618170 | XX | XX |  | 33694633 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | B |  |  | No |
| 223618171 | XX | XX |  | 33694634 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618171 | XX | XX |  | 33694635 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618171 | XX | XX |  | 33694636 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223618173 | XX | XX |  | 33694657 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 11/24/2023 |  |  | 1 C A |  | NY | Investment | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | N/A | No |
| 223618173 | XX | XX |  | 33694659 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [redacted]based on deal settings. |  |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | N/A | No |
| 223618173 | XX | XX |  | 33694660 |  | Credit | Missing Document | General | Missing Document | Missing Document: Econsent not provided |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Investment | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | N/A | No |
| 223618174 | XX | XX |  | 33694661 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Rate/Term | C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618174 | XX | XX |  | 33694662 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Rate/Term | C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618174 | XX | XX |  | 33694663 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618174 | XX | XX |  | 33694665 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618174 | XX | XX |  | 33694666 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618174 | XX | XX |  | 33694667 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618175 | XX | XX |  | 33694669 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694670 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/04/2025 | 2 C B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694671 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694673 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694674 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618175 | XX | XX |  | 33694675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618175 | XX | XX |  | 33694676 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618175 | XX | XX |  | 33694677 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694678 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618175 | XX | XX |  | 33694679 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Limited Cash-out GSE | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618176 | XX | XX |  | 33694681 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2025-03-05): Exception Cleared - Post Disaster Inspection report/BPO received and updated in [redacted]. | 03/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618176 | XX | XX |  | 33694682 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: [redacted]was made "subject to" and Form [redacted]/[redacted]was not provided. |  | Appraisal completed "subject to completion", no [redacted]or other evidence provided. |  |  |  | Reviewer Comment (2025-03-18): Inspection letter in file stating the foundation and remedial measures are not required as this time. Appraisal report is dated[redacted] and inspection date is [redacted].<br>Seller Comment (2025-03-18): Form [redacted]/[redacted]was not required. Alternative document(s) per [redacted]/FHLMC temporary allowance obtained. The appraisal was made subject to a foundation inspection, in addition removal of non-accessible burglar bars on converted garage bedroom window. Foundation inspection, a photo showing the bars on the converted garage bedroom window have been removed and signed letter from the borrower attesting the repairs were satisfactorily completed, uploaded documentation to Net Road Show. | 03/18/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618177 | XX | XX |  | 33694683 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618177 | XX | XX |  | 33694684 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694685 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694686 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694688 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694689 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694690 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694691 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted]Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618178 | XX | XX |  | 33694692 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618178 | XX | XX |  | 33694693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618178 | XX | XX |  | 33694694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618179 | XX | XX |  | 33694697 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  |  |  |  | 3 C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694698 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694699 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694700 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694701 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694702 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694704 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694705 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary [redacted](GSE/Agency Eligible) does not match Due Diligence Loan Designation of [redacted] ([redacted]-Q). |  |  |  |  |  | 03/10/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618179 | XX | XX |  | 33694706 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694707 |  | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694709 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618179 | XX | XX |  | 33694710 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618179 | XX | XX |  | 33694711 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694712 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/04/2025 | 2 C B |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694713 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  |  | 03/17/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694714 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694715 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694716 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary [redacted](GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. |  |  |  |  |  | 03/17/2025 |  |  | 1 B A C |  | WV | Primary | Purchase | Lender to provide updated ATR/QM status C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618180 | XX | XX |  | 33694717 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694719 |  | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. |  |  |  |  |  |  | 03/17/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694720 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/17/2025 |  |  | 1 C A |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694721 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694722 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [redacted]): List of Homeownership Counseling Organizations not provided to applicant within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694723 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618180 | XX | XX |  | 33694724 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/17/2025 |  |  | 1 A |  | WV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618180 | XX | XX |  | 33694725 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/17/2025 |  |  | 1 A |  | WV | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618181 | XX | XX |  | 33694726 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694727 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Field review value not provided. |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694728 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694729 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694730 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694731 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694732 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694733 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/19/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618181 | XX | XX |  | 33694735 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694736 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618181 | XX | XX |  | 33694737 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618182 | XX | XX |  | 33694738 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618182 | XX | XX |  | 33694739 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618182 | XX | XX |  | 33694740 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618182 | XX | XX |  | 33694741 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618182 | XX | XX |  | 33694742 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618182 | XX | XX |  | 33694744 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618183 | XX | XX |  | 33694746 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694747 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694748 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694750 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694751 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694752 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618183 | XX | XX |  | 33694753 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618183 | XX | XX |  | 33694754 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618183 | XX | XX |  | 33694755 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618183 | XX | XX |  | 33694756 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618184 | XX | XX |  | 33694758 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618184 | XX | XX |  | 33694759 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618184 | XX | XX |  | 33694760 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618184 | XX | XX |  | 33694761 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-[redacted]/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618184 | XX | XX |  | 33694762 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618184 | XX | XX |  | 33694763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618184 | XX | XX |  | 33694765 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618185 | XX | XX |  | 33694766 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 3 A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694767 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  | Borrower has verified disposable income of at least $2500.00. | Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC |  |  |  | 03/19/2025 | 2 C B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694769 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 B A C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618185 | XX | XX |  | 33694770 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of [redacted]% is equal to or greater than the threshold of [redacted]%. |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618185 | XX | XX |  | 33694773 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/19/2025 |  | 1 A |  | NV | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618185 | XX | XX |  | 33694774 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  |  | Borrower has verified disposable income of at least $2500.00. | Borrower has verified disposable income of at least $2500.00. | Aggregator,SitusAMC |  |  |  | 03/19/2025 | 2 C B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618185 | XX | XX |  | 33694776 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/20/2025 |  |  | 1 A |  | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618185 | XX | XX |  | 33694777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223618186 | XX | XX |  | 33694778 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694779 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694780 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694781 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694782 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694783 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694784 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694785 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618186 | XX | XX |  | 33694787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618186 | XX | XX |  | 33694788 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618186 | XX | XX |  | 33694789 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618188 | XX | XX |  | 33694791 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618188 | XX | XX |  | 33694793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618188 | XX | XX |  | 33694794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618189 | XX | XX |  | 33694796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618189 | XX | XX |  | 33694797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694798 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694799 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Retirement Documentation | Qualified Mortgage (Dodd-Frank [redacted]): Retirement income documentation insufficient. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694801 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694802 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  | 03/11/2025 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223618189 | XX | XX |  | 33694803 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618189 | XX | XX |  | 33694804 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618190 | XX | XX |  | 33694805 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The last appraisal inspection date is [redacted]. There was FEMA disaster dated [redacted]. Need a post-disaster inspection from indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2025-03-05): Exception Cleared - Post Disaster Inspection report/BPO received and updated in [redacted]. | 03/05/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223618191 | XX | XX |  | 33694807 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618191 | XX | XX |  | 33694809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618192 | XX | XX |  | 33694811 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-14): Sufficient Cure Provided At Closing |  | 02/14/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694812 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694813 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/04/2025 | 2 C B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694814 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694815 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694816 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694817 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694818 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694819 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694820 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694821 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694822 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694823 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [redacted] is over disclosed by [redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694824 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694826 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618193 | XX | XX |  | 33694827 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694828 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694829 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618193 | XX | XX |  | 33694830 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694831 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694832 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694833 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of[redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694834 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618194 | XX | XX |  | 33694836 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694837 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694838 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694839 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694840 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694841 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618194 | XX | XX |  | 33694843 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694844 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694846 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694847 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694848 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694849 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618195 | XX | XX |  | 33694851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694853 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618195 | XX | XX |  | 33694854 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694855 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/04/2025 | 2 C B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694856 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694857 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694858 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694859 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694860 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694861 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694863 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/07/2025 |  |  | 1 B A |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618196 | XX | XX |  | 33694864 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694865 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694866 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024. | SitusAMC |  |  |  | 03/06/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694867 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/04/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694868 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694869 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694870 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694871 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694872 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694873 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | 03/31/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618197 | XX | XX |  | 33694874 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694875 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694877 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable [redacted]records. |  |  |  |  |  | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694879 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618197 | XX | XX |  | 33694880 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694881 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694882 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694883 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694884 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694885 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694886 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694887 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618198 | XX | XX |  | 33694889 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618198 | XX | XX |  | 33694890 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618199 | XX | XX |  | 33694891 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C B | VA Safe Harbor QM | VA Safe Harbor QM | No |
| 223618199 | XX | XX |  | 33694892 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | VA - Loan Summary Sheet 26-0286 is missing |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Purchase | D C B | VA Safe Harbor QM | VA Safe Harbor QM | No |
| 223618199 | XX | XX |  | 33694893 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | IL | Primary | Purchase | D C B | VA Safe Harbor QM | VA Safe Harbor QM | No |
| 223618199 | XX | XX |  | 33694894 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | D C B | VA Safe Harbor QM | VA Safe Harbor QM | No |
| 223618199 | XX | XX |  | 33694896 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Loan Guaranty Certificate is missing. |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Purchase | D C B | VA Safe Harbor QM | VA Safe Harbor QM | No |
| 223618200 | XX | XX |  | 33694899 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618200 | XX | XX |  | 33694900 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618200 | XX | XX |  | 33694901 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618201 | XX | XX |  | 33694903 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 C B |  | IL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618201 | XX | XX |  | 33694904 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618201 | XX | XX |  | 33694905 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618201 | XX | XX |  | 33694906 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618201 | XX | XX |  | 33694907 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | IL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694909 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694910 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694911 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694912 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694913 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694914 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694915 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694917 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694918 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least four ([redacted]) business days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618202 | XX | XX |  | 33694921 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618202 | XX | XX |  | 33694922 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618202 | XX | XX |  | 33694923 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694926 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694927 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694928 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694930 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618203 | XX | XX |  | 33694931 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618203 | XX | XX |  | 33694932 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618203 | XX | XX |  | 33694933 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618203 | XX | XX |  | 33694934 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618203 | XX | XX |  | 33694935 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694936 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694937 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694938 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618203 | XX | XX |  | 33694939 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694940 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694941 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694942 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694943 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694944 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694945 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  | 03/06/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694946 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694947 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694949 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694950 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618204 | XX | XX |  | 33694953 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). |  |  |  |  |  | 03/06/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618204 | XX | XX |  | 33694954 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618204 | XX | XX |  | 33694955 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618205 | XX | XX |  | 33694957 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618205 | XX | XX |  | 33694958 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | TX | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618205 | XX | XX |  | 33694959 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618205 | XX | XX |  | 33694961 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618205 | XX | XX |  | 33694962 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694965 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694966 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694967 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694968 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694969 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694970 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 3 C |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618206 | XX | XX |  | 33694972 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694974 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694975 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is[redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694977 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694978 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694979 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694980 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within[redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694981 |  | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted] days of the loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694982 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694983 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694984 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  |  |  |  | 3 C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694985 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694986 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | 03/10/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618207 | XX | XX |  | 33694987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. |  |  |  |  |  | 03/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618207 | XX | XX |  | 33694989 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  |  | 03/06/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618207 | XX | XX |  | 33694990 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694991 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694992 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694993 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694994 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694995 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted]did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 2 C B |  | CT | Primary | Purchase | Good Faith Redisclosure D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618208 | XX | XX |  | 33694996 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least three [redacted] business days prior to consummation |  |  |  |  |  |  |  |  | 2 C B |  | CT | Primary | Purchase | TRID timing exception, no remediation available. A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33694999 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33695000 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618208 | XX | XX |  | 33695001 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618209 | XX | XX |  | 33695003 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618209 | XX | XX |  | 33695004 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  |  |  |  |  | 3 C |  | WA | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618209 | XX | XX |  | 33695005 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618209 | XX | XX |  | 33695006 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | WA | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618209 | XX | XX |  | 33695007 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695009 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 C B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695010 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695011 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695012 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695013 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695014 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695015 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695017 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 C B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618210 | XX | XX |  | 33695018 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695019 |  | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695020 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted]contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 C B |  | MA | Primary | Purchase | TRID timing exception, no remediation available. C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695021 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618210 | XX | XX |  | 33695022 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618211 | XX | XX |  | 33695024 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  | 04/09/2025 |  |  | 1 D A |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695025 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695026 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695028 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  | 04/08/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618211 | XX | XX |  | 33695030 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Refinance, Cash-out - Other |  |  |  |  |  | 04/08/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695031 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618211 | XX | XX |  | 33695033 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 03/11/2025 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618211 | XX | XX |  | 33695034 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618211 | XX | XX |  | 33695035 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223618211 | XX | XX |  | 33695036 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695037 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  |  |  |  |  | 2 A B |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618211 | XX | XX |  | 33695039 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | MD | Primary | Refinance - Cash-out - Other | D A C B | Safe Harbor QM (APOR) | Non QM | No |
| 223618212 | XX | XX |  | 33695040 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618212 | XX | XX |  | 33695041 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618212 | XX | XX |  | 33695042 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 10/11/2024. | SitusAMC |  |  |  | 03/06/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618212 | XX | XX |  | 33695043 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618212 | XX | XX |  | 33695044 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618212 | XX | XX |  | 33695045 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Rate/Term | D C B | N/A | N/A | No |
| 223618213 | XX | XX |  | 33695048 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Investment | Refinance - Cash-out - Other | D C B | N/A | N/A | No |
| 223618213 | XX | XX |  | 33695049 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D C B | N/A | N/A | No |
| 223618213 | XX | XX |  | 33695050 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Investment | Refinance - Cash-out - Other | D C B | N/A | N/A | No |
| 223618213 | XX | XX |  | 33695051 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Investment | Refinance - Cash-out - Other | D C B | N/A | N/A | No |
| 223618213 | XX | XX |  | 33695052 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | PA | Investment | Refinance - Cash-out - Other | D C B | N/A | N/A | No |
| 223618214 | XX | XX |  | 33695054 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 |  |  |  |  |  |  |  |  |  | 3 D B C |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695055 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695056 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695057 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 C B |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618214 | XX | XX |  | 33695060 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618214 | XX | XX |  | 33695062 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695063 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  |  | 03/19/2025 |  |  | 1 C A |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695064 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618214 | XX | XX |  | 33695065 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | D C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695066 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 C B |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695067 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695068 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695069 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695070 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is[redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695071 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695072 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | WV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted] Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | WV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 3 C |  | WV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695076 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]0. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  | 03/18/2025 |  | 2 C B |  | WV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695077 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618215 | XX | XX |  | 33695078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted]that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C |  | WV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695079 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C |  | WV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618215 | XX | XX |  | 33695080 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695081 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695082 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695083 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695084 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695085 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695086 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 C |  | DC | Primary | Purchase | Good Faith Redisclosure D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618216 | XX | XX |  | 33695088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 C |  | DC | Primary | Purchase | Good Faith Redisclosure D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618216 | XX | XX |  | 33695089 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  |  |  |  | 3 C |  | DC | Primary | Purchase | Good Faith Redisclosure D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618216 | XX | XX |  | 33695090 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 3 C |  | DC | Primary | Purchase | TRID timing exception, no remediation available. A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618216 | XX | XX |  | 33695092 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 02/25/2025 |  | 1 A |  | DC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618216 | XX | XX |  | 33695093 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | DC | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618217 | XX | XX |  | 33695094 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695095 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695096 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  |  |  |  |  |  |  |  |  | 3 C |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695097 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695098 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695099 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618217 | XX | XX |  | 33695100 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted]which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Purchase | D C B | N/A | N/A | No |
| 223618218 | XX | XX |  | 33695101 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618218 | XX | XX |  | 33695102 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618218 | XX | XX |  | 33695103 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618218 | XX | XX |  | 33695105 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  | 03/18/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695106 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695107 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 C B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695108 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695109 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695110 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695111 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695112 |  | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted]% exceeds the state maximum of [redacted]%. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695113 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on[redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695114 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695116 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695117 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695118 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Good Faith Redisclosure D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695119 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on[redacted] are overdisclosed. |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695120 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a mortgage insurance payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695121 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223618219 | XX | XX |  | 33695122 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  | 03/11/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TRID timing exception, no remediation available. C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695125 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695126 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695127 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618219 | XX | XX |  | 33695128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  | 03/18/2025 |  |  | 1 A |  | NY | Primary | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695129 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695130 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC |  |  |  | 03/05/2025 | 2 C B |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695131 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  | 03/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695132 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  |  |  |  |  | 3 D |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695133 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695134 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695135 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695136 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  | 03/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695137 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | 03/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223618220 | XX | XX |  | 33695141 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619557 | XX | XX |  | 33697079 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2024-08-12): Received in trailing documents.<br>Seller Comment (2024-08-09): Comment from [redacted] ([redacted].): Attached. | 08/12/2024 |  |  | 1 B A |  | LA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223619558 | XX | XX |  | 33697081 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per the appraisal report, the subject has been owned since [redacted]. The file does not contain any other documentation to verify additional experience to meet the [redacted] year requirement. |  |  |  | Reviewer Comment (2024-09-03): Received in trailing documents.<br>Seller Comment (2024-09-03): experience docs | 09/03/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619559 | XX | XX | XX | 33697082 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-16): Received secondary valuation in trailing.<br>Reviewer Comment (2024-10-01): Buyer review<br>Seller Comment (2024-09-24): [redacted] is not responsible for secondary valuations on S&D sales | 10/16/2024 |  |  | 1 D A |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619559 | XX | XX | XX | 33697083 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Seller Comment (2024-10-04): buyer to clear as this was NOT a requirement at time of origination<br>Reviewer Comment (2024-10-03): Defer to buyer - business purpose cert is needed when loan is done as business purpose to ensure it is not for personal use regardless of individual or entity borrower<br>Seller Comment (2024-10-03): Per Onslow Bay this was not required when the loan closed due to closing date being prior to the change as well as the loan NOT closing in a LLC<br>Reviewer Comment (2024-10-01): Required on business purpose loans<br>Seller Comment (2024-09-24): why is this needed when the intent is to rent per the occupancy affidavit - this isn't being utilized for a business |  |  |  | 3 C |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619559 | XX | XX | XX | 33697084 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2024-09-26): Hazard Insurance Policy Effective Date covers Disbursement Date, exception cleared.<br>Seller Comment (2024-09-24): Funding Date was[redacted] | 09/26/2024 |  |  | 1 C A |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619559 | XX | XX | XX | 33697085 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is classified as Rural and is not allowed by guidelines. |  |  |  | Reviewer Comment (2024-09-24): S&D defect |  |  |  | 3 C |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619559 | XX | XX | XX | 33697086 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Investor ([redacted]) rejected the loan for purchase due to Guidelines not being met: Neighborhood Location Not Allowed for Program -- Subject property is located in "Rural" neighborhood location. Per guidelines, rural properties are not eligible for non-owner occupied properties. The borrower moved into the property and this loan was closed as an investor occupancy. An exception was requested from the investor, but they denied it. <br> In addition, Audited Reserves are less than Guideline Required Reserves (Number of Months)<br> Audited asset balance is $[redacted]. Closing requirement is $[redacted] and reserve requirement is $[redacted]. Audited asset balance is short for reserve requirement. Audited Reserves of [redacted] are less than Guideline Required Reserves of [redacted] |  |  |  | Reviewer Comment (2024-09-24): S&D Defect |  |  |  | 2 B |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619559 | XX | XX | XX | 33697087 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Per guidelines when using business assets - All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and<br> confirming the borrower's access to funds in the account. Missing letter of access to funds. Borrowers are [redacted]% owner of business |  |  |  | Reviewer Comment (2024-09-24): S&D reason |  |  |  | 3 C |  | TN | Investment | Purchase | D C A | N/A | N/A | No |
| 223619560 | XX | XX |  | 33697090 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-20): PDI prior to end date showing no damage |  |  | 12/20/2024 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 223619562 | XX | XX |  | 33697094 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC,Originator Pre-Close | Reviewer Comment (2024-09-25): Client elects to waive with compensating factors.<br>Buyer Comment (2024-09-25): [redacted] Team - at the time of underwriting, we had sufficient liquidity to meet the reserve requirements. At the closing table, the payoff ending up being higher than anticipated and the borrower had to come to the table with additional proceeds (which we required rather than change our leverage to remain at a conversative [redacted]% LTV). Please waive subject to the prior detail as well as the following compensating factors: [redacted]x DSCR, [redacted]% leverage, cash-neutral refinance. |  |  | 09/25/2024 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223619562 | XX | XX |  | 33697095 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background check required on all guarantors even if returned with no results. |  |  |  | Reviewer Comment (2024-09-06): Screenshot provided and verifies no result found.<br>Buyer Comment (2024-09-03): Screen shot of background, no results found. | 09/06/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223619562 | XX | XX |  | 33697096 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | Reviewer Comment (2024-09-17): Cleared.<br>Buyer Comment (2024-09-09): CIL | 09/17/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223619562 | XX | XX |  | 33697097 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2024-09-06): OFAC provided.<br>Buyer Comment (2024-09-03): OFAC results attached. | 09/06/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223619562 | XX | XX |  | 33697098 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verification of reserves is missing from file. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] | SitusAMC,Originator Pre-Close | Reviewer Comment (2024-09-25): Client elects to waive with compensating factors.<br>Buyer Comment (2024-09-25): [redacted] Team - at the time of underwriting, we had sufficient liquidity to meet the reserve requirements. At the closing table, the payoff ending up being higher than anticipated and the borrower had to come to the table with additional proceeds (which we required rather than change our leverage to remain at a conversative [redacted]% LTV). This included what we had previously vetted as reserves, and then additional proceeds on top of that. Please waive subject to the prior detail as well as the following compensating factors: [redacted]x DSCR, [redacted]% leverage, cash-neutral refinance. |  |  | 09/25/2024 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223619563 | XX | XX |  | 33697101 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  |  |  |  |  | Reviewer Comment (2024-10-28): R/T confirmed. [redacted]% LTV allowed.<br>Seller Comment (2024-10-28): Comment from [redacted](Long Run Partners): This appears to be a limited cash out transaction- permitted to [redacted] | 10/28/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223619565 | XX | XX |  | 33697103 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-08): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]<br>Seller Comment (2024-11-08): Comment from [redacted] |  |  | 11/08/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223619565 | XX | XX |  | 33697105 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject [redacted]) discrepancy. | Calculated Debt Service Coverage Ratio (Subject [redacted]) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject [redacted]) ___. |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted] | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-12-05): Approved waive per email, [redacted]<br>Reviewer Comment (2024-11-15): As noted in prior commentary, Missing buyer/investor exception approval. At the time of loan closing, DSCR of [redacted] does not meet minimum investor DSCR of[redacted]. Only loan seller credit exception approval has been provided.<br>Seller Comment (2024-11-14): Comment from [redacted]: Exception from file covers this.<br>Reviewer Comment (2024-11-11): Missing buyer/investor exception approval. At the time of loan closing, DSCR of [redacted] does not meet minimum investor DSCR of [redacted]<br>Seller Comment (2024-11-11): Comment from [redacted]: Exception from file covers this. Please advise.<br>Reviewer Comment (2024-11-09): Lease provided begins post-consummation. Verified payments not received. DSCR based on [redacted].<br>Seller Comment (2024-11-08): Comment from [redacted]: DSCR calc and supporting lease |  |  | 12/05/2024 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 223619566 | XX | XX |  | 33697108 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted], [redacted], etc.) not provided |  |  |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents.<br>Buyer Comment (2024-11-27): Comment from ([redacted]): [redacted] bathroom is below grade and not counted towards the total bathroom count on the appraisal; but for [redacted] purposes there are [redacted] bathrooms<br>Reviewer Comment (2024-11-27): [redacted] Report provided does not match the subject property. Per appraisal, subject is [redacted] bedroom, [redacted] bath. [redacted] Report reflects [redacted]bedroom, [redacted] bath. Corrected report required for use as potential income.<br>Seller Comment (2024-11-26): Comment from [redacted] | 11/27/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223619566 | XX | XX |  | 33697109 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2024-11-27): Received in trailing documents.<br>Buyer Comment (2024-11-27): Comment from ([redacted]): [redacted] bathroom is below grade and not counted towards the total bathroom count on the appraisal; but for [redacted] purposes there are[redacted] bathrooms<br>Reviewer Comment (2024-11-27): [redacted] Report provided does not match the subject property. Per appraisal, subject is [redacted] bedroom, [redacted] bath. [redacted] Report reflects [redacted] bedroom, [redacted] bath. Corrected report required for use as potential income.<br>Seller Comment (2024-11-26): Comment from [redacted] ([redacted]): [redacted] used for rental income calc | 11/27/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223619566 | XX | XX |  | 33697111 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The application reflects $[redacted] in secured borrowed funds; however, these funds were not documented in the file. |  |  |  | Reviewer Comment (2024-11-27): Received evidence of access to HELOC funds.<br>Seller Comment (2024-11-26): Comment from [redacted] ([redacted]): Secured funds | 11/27/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223619566 | XX | XX |  | 33697112 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The application reflects $[redacted] in secured borrowed funds; however, these funds were not documented in the file. |  |  |  | Reviewer Comment (2024-11-27): Received evidence of access to HELOC funds.<br>Seller Comment (2024-11-26): Comment from [redacted] ([redacted]): Secured funds | 11/27/2024 |  |  | 1 C A |  | TN | Investment | Purchase | C A |  | N/A | No |
| 223619567 | XX | XX |  | 33697114 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than [redacted] days prior to Closing. |  |  |  |  |  | Reviewer Comment (2024-12-03): [redacted] Allowed per [Redacted]. GLs defer.<br>Buyer Comment (2024-12-02): Comment from [redacted]l [Redacted]): The Edge guidelines default to Fannie if not addressed in guidelines and how long the assets are good for is not addressed in the Edge guidelines.<br> Fannie is [redacted]days | 12/03/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619568 | XX | XX |  | 33697117 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2024-12-17): Received in trailing documents.<br>Seller Comment (2024-12-17): Comment from [redacted]: oops sorry forgot to attach the other docs<br>Reviewer Comment (2024-12-17): Received lender correspondence stating funds for closing came from a HELOC. Missing documentation and evidence of transfer from HELOC account.<br>Seller Comment (2024-12-16): Comment from [redacted] ([redacted]): See attached | 12/17/2024 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223619568 | XX | XX |  | 33697118 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate missing Notary stamp. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC | Reviewer Comment (2025-01-13): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Reviewer Comment (2025-01-07): Received post-closing Business Purpose Certificate [redacted]. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2025-01-07): Comment from [redacted]: See attached |  |  | 01/13/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223619569 | XX | XX |  | 33697119 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619569 | XX | XX |  | 33697120 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619570 | XX | XX |  | 33697122 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2024-03-28): Received Certificate of Good Standing, Exception Cleared.<br>Seller Comment (2024-03-28): Comment from [redacted]: Please see Cert Good Standing submitted for review, thank you!<br>Reviewer Comment (2024-03-19): Received COG dated [redacted]. Updated COG required.<br>Seller Comment (2024-03-19): Comment from[redacted]: Please see certificate submitted for review, thank you! | 03/28/2024 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223619570 | XX | XX |  | 33697123 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note discloses the borrowing entity as[redacted], A [redacted] - "[redacted]" is misspelled and should read "...[redacted]..". An executed Corrective Addendum is needed along with evidence that it was sent for recording. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. |  | SitusAMC | Reviewer Comment (2024-05-10): Affidavit of Destroyed Note received in trailing. Approved by investor.<br>Seller Comment (2024-05-10): Comment from [redacted].): Both the borrower and Lender Affidavits are set to arrive today.<br>Reviewer Comment (2024-05-08): Moved to buyer queue for approval.<br>Seller Comment (2024-05-07): Comment from [redacted]): Please see executed Lender and Borrower affidavits requested as well as the shipping label. Thank you<br>Reviewer Comment (2024-04-08): Received corrected Security Instrument with Intent to Re-Record. Also received a corrected Note. A Corrective Addendum to the Promissory note was not received. There are now two "live" Notes on the subject property. Destroyed Note Affidavit required and is subject to investor approval.<br>Seller Comment (2024-04-08): Comment from [redacted].): Please see updated Note and Intent to re-record, thank you. |  |  | 05/10/2024 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 223619571 | XX | XX |  | 33697125 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | [redacted] Reason - A business decision has been approved for this loan to be closed, funded with cash and held in portfolio. The loan is a [redacted] program, with an accommodation for LTV/short term rental income ratio to compete with a [redacted] offering. |  |  |  | Reviewer Comment (2024-05-03): Reason for S&D. |  |  |  | 2 B |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619571 | XX | XX |  | 33697126 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | Update is required. |  |  |  | Reviewer Comment (2024-05-08): Per commentary, business decision, unable to clear<br>Seller Comment (2024-05-06): as disclosed on the bid tape this was a business decision to close/fund with cash - appraisal was a transfer from [redacted] |  |  |  | 3 C |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619571 | XX | XX |  | 33697127 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Account ownership not provided. |  |  |  | Reviewer Comment (2024-05-08): borrower name is also on bank statements<br>Seller Comment (2024-05-03): Bank STatements in the file are in the name of the borrower and business | 05/08/2024 |  |  | 1 C A |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619571 | XX | XX |  | 33697128 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2024-05-08): Borrower name is also on bank statements<br>Seller Comment (2024-05-03): where in the provided guideline are you seeing a [redacted] month reserve requirement? | 05/08/2024 |  |  | 1 C A |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619571 | XX | XX |  | 33697129 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Square feet on the Appraisal does not match the square feet on the BPO. |  |  |  |  |  | Reviewer Comment (2024-06-18): Updated BPO received in [redacted]. | 06/18/2024 |  |  | 1 A |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619571 | XX | XX |  | 33697130 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. [redacted] and [redacted] results are contradictory. Highest level secondary valuation was [redacted] and does not support the value used to qualify. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 A C |  | KY | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 223619574 | XX | XX |  | 33697134 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  | Note P&I of $[redacted] does not match Calculated P&I of $[redacted]. |  |  |  | Reviewer Comment (2024-11-08): First Amendment to Note received in trailing documents.<br>Buyer Comment (2024-11-08): Lender signature page attached.<br>Reviewer Comment (2024-08-17): Amendment received; however, it is not signed by Lender. Fully executed amendment required to clear condition.<br>Buyer Comment (2024-08-08): Note Amendment | 11/08/2024 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223619574 | XX | XX |  | 33697135 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing Credit Report Authoziation. |  |  |  | Reviewer Comment (2024-07-30): Received Credit Report Authorization. Exception cleared.<br>Buyer Comment (2024-07-29): credit authorization | 07/30/2024 |  |  | 1 C A D |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223619574 | XX | XX |  | 33697136 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-11-15): Received PDI dated [redacted] in trailing docs. The property is free and clear of disaster related damage.<br>Buyer Comment (2024-11-15): PDI | 11/15/2024 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 223619576 | XX | XX |  | 33697138 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | Reviewer Comment (2022-05-20): Prior policy provided.<br>Seller Comment (2022-05-19): previous policy showing coverage | 05/20/2022 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223619576 | XX | XX |  | 33697139 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is a layered entity ownersip of the borrowing entity. [redacted] to advise if they wish to clear. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[redacted]. | DSCR | SitusAMC,Aggregator | Reviewer Comment (2022-11-04): Downgraded per [redacted]<br>Reviewer Comment (2022-05-20): Client accepts.<br>Buyer Comment (2022-05-19): Ok to waive<br>Reviewer Comment (2022-05-19): Moved to buyer queue to accept.<br>Seller Comment (2022-05-17): please move to [redacted] queue |  |  | 05/20/2022 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 223619577 | XX | XX |  | 33697140 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619577 | XX | XX |  | 33697141 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619577 | XX | XX |  | 33697142 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619577 | XX | XX |  | 33697144 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619578 | XX | XX |  | 33697146 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a fully executed Operating Agreement. Copy in file is not signed on page [redacted] of [redacted]. |  |  |  | Reviewer Comment (2024-04-03): Signed version included in TD.<br>Seller Comment (2024-04-03): [redacted]- Uploaded OA | 04/03/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619583 | XX | XX |  | 33697152 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223619583 | XX | XX |  | 33697153 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-09-06): Received UCDP Submission Summary Report, Exception Cleared.<br>Seller Comment (2024-09-06): Uploaded fannie mae report, CU score under [redacted] | 09/06/2024 |  |  | 1 D A |  | TX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 223619584 | XX | XX |  | 33697155 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Borrowing Authorization in file is not legible. |  |  |  | Reviewer Comment (2024-12-03): Received Corporate Resolution, Exception Cleared<br>Seller Comment (2024-12-03): Uploaded Borrowing Auth and Addendum to OA<br>Reviewer Comment (2024-11-28): Uploaded document is Business Purpose Certificate and legible copy of Corporate Resolution is required, exception remains.<br>Seller Comment (2024-11-27): Borrowing Authorization | 12/03/2024 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 223619585 | XX | XX |  | 33697156 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal photos include the plat map of the two subject dwellings and the parcels on which they sit. It appears that a [redacted] dwelling ([redacted]) is partially on the second parcel that is included on the title, note and mortgage for the subject property. This [redacted] dwelling is not a part of the subject transaction. Please provide detail from the title company describing the potential affect this dwelling has on the subject transaction given the fact that it exists partially on one of the two subject parcels referenced on the title commitment, note, security instrument, etc. |  |  |  | Reviewer Comment (2025-02-11): Trailing surveyor confirmed that the GIS drawing the appraisal is not accurate. No deficiency as the GIS mapping of parcels is often slightly off and the surveyor confirmed the same (no encroachment)<br>Seller Comment (2025-02-07): here is the letter from the surveyor who did a pin drop location identifying the GIS was wrong and the property has no encrachments<br>Reviewer Comment (2025-01-15): The appraisal illustration reflects a [redacted] dwelling is partially encroaching on the subject parcels (not a garage).<br>Seller Comment (2025-01-08): The additional structure referenced is a garage on the property, included in appraisal pictures | 02/11/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223619586 | XX | XX |  | 33697160 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The market value is not bracketed by the comparable sales. Only [redacted] of the four comp sales supports the value determination. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. | High FICO | Aggregator,SitusAMC | Reviewer Comment (2025-01-21): Waived and downgraded per [redacted] email / sheet. |  |  | 01/21/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 223619587 | XX | XX |  | 33697162 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 223619588 | XX | XX | XX | 33697164 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval is in file to allow the loan to close without the [redacted]-[redacted]and [redacted] -[redacted] title endorsements which are typically required for cross collateralized loans (multiple properties/ APNs). |  |  |  | Reviewer Comment (2022-07-26): Moved to [redacted] for waiver and downgrade consideration.<br>Seller Comment (2022-07-25): It appears you already have this CAR on file. Please clear. |  |  |  | 3 C |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697165 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. |  | There are 2 properties for this loan. Appraisal and Flood Certificate is required for each specific property. Need the value and correct LTV of each property. |  |  |  | Reviewer Comment (2022-10-20): Exception Detail Updated from: Address: [redacted] |  |  |  | 3 D |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697166 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ | Need appraisals for each property to clear this exception. |  |  |  | Reviewer Comment (2022-10-20): Exception Detail Updated from: Address: [redacted]<br> Exception Explanation Updated from: Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted]<br> Disaster End Date: [redacted]<br> Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted]<br> Disaster End Date: [redacted]<br>Reviewer Comment (2022-07-26): Appraisals for each property are needed to determine the leverage calculations for each of the [redacted] properties individually/ separately. This is a portfolio loan consisting of [redacted] separate properties/ parcels that can be sold off individually.<br>Seller Comment (2022-07-25): This is a [redacted] unit property in two buildings. See explanation and all four addresses on appraisal. | 07/06/2023 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697168 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Address: [redacted], [redacted], [redacted][redacted] | Two properties for this loan. Need individual Flood Certificate for each property. |  |  |  |  |  |  |  | 3 C |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697169 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [redacted], [redacted], [redacted] [redacted] |  |  |  |  | Reviewer Comment (2022-07-26): Appraisals for each property are needed to determine the leverage calculations for each of the [redacted] properties individually/ separately. This is a portfolio loan consisting of [redacted] separate properties/ parcels that can be sold off individually.<br>Seller Comment (2022-07-25): This is a [redacted] unit property in two buildings. See explanation and all four addresses on appraisal. |  |  |  | 3 D |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697170 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Address: [redacted], [redacted], [redacted] [redacted] |  |  |  |  | Reviewer Comment (2022-07-26): Appraisals for each property are needed to determine the leverage calculations for each of the [redacted] properties individually/ separately. This is a portfolio loan consisting of [redacted] separate properties/ parcels that can be sold off individually.<br>Seller Comment (2022-07-25): [redacted] - This is a [redacted] unit property in two buildings. See explanation and all four addresses on appraisal.<br>Seller Comment (2022-07-25): This is a [redacted] unit property in two buildings. See explanation and all four addresses on appraisal. |  |  |  | 3 D |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697171 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. |  |  |  |  |  | Reviewer Comment (2022-10-20): Exception Detail Updated from: Address:[redacted]<br>Reviewer Comment (2022-09-06): Need separate appraisals for each [redacted] unit property (not an appraisal as a [redacted] unit property) before we can order the [redacted] CDAs<br>Reviewer Comment (2022-08-05): Please provide the [redacted] Exception remians. |  |  |  | 3 D |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697173 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Address: [redacted], [redacted], [redacted] [redacted] | Two properties for this loan. Need individual Flood Certificate for each property. |  |  |  |  |  |  |  | 3 C |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697174 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Appraisals for each property are needed to determine. |  |  |  | Reviewer Comment (2022-07-26): Appraisals for each property are needed to determine the leverage calculations for each of the [redacted] properties individually/ separately. This is a portfolio loan consisting of [redacted] separate properties/ parcels that can be sold off individually.<br>Seller Comment (2022-07-25): The LTV is under [redacted]% |  |  |  | 3 C |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619588 | XX | XX | XX | 33697175 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B |  |  | Investment | Refinance - Cash-out - Other | D |  | N/A | No |
| 223619589 | XX | XX |  | 33697176 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec [redacted] : [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2023-07-13): Moved to [redacted] for waiver consideration of this grade [redacted] exception. |  |  |  | 2 A B |  | MO | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223619598 | XX | XX |  | 33697206 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697207 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | Federal HOEPA Ability to Repay Reliable Documentation | Truth in Lending Act (HOEPA): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697208 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the [redacted] for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697209 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697210 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697211 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of [redacted] was used for Compliance testing. The loan would result in a High Cost failure due rate test failure on the following application dates [redacted], [redacted] |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697212 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619598 | XX | XX |  | 33697213 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619599 | XX | XX |  | 33697214 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Prepayment Penalty) | Truth in Lending Act (HOEPA): Mortgage loan contains an impermissible prepayment penalty. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697215 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - FIR Not Used on ARM Loan) | Truth in Lending Act (HOEPA): Fully-indexed rate not used to determine ability to repay on ARM loan. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697216 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Ability to Repay) | Truth in Lending Act (HOEPA): File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697217 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the [redacted] for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697218 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697219 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697220 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of[redacted] was used for Compliance testing. The loan would result in a High Cost failure due rate test failure on the following application dates [redacted], [redacted], [redacted]. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697221 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619599 | XX | XX |  | 33697222 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Wisconsin Covered Loan (Ability to Repay not Verified) | [redacted] Covered Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. |  |  | No |
| 223619599 | XX | XX |  | 33697223 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Calculated APR/Rate) | [redacted] Responsible High-Cost Mortgage Lending Act: APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the [redacted] for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. |  |  | Yes |
| 223619599 | XX | XX |  | 33697224 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | [redacted] Covered Loan: Borrower not provided with Consumer Caution Notice. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. |  |  | No |
| 223619599 | XX | XX |  | 33697225 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (PPP Loan Product Choice Disclosure Not Provided) | [redacted] Covered Loan: Loan Product Choice disclosure not provided to borrower on covered loan with a prepayment penalty. |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. |  |  | No |
| 223619599 | XX | XX |  | 33697226 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Wisconsin Covered Loan (Impermissible Prepayment Penalty) | [redacted] Covered Loan: Mortgage loan contains an impermissible prepayment penalty (ARM loan or loan amount < $[redacted]). |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. |  |  | No |
| 223619599 | XX | XX |  | 33697227 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty ARM Test | [redacted] Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619600 | XX | XX | XX | 33697229 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  | Reviewer Comment (2022-03-24): Final Application received; exception cleared.<br>Seller Comment (2022-03-24): Trailing documents received. | 03/24/2022 |  |  | 1 C A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697230 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697231 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2022-03-24): HUD received. Exception cleared. | 03/24/2022 |  |  | 1 B A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697232 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final[redacted] No Document Used For Fee Testing Material | Missing Final [redacted]. No document containing fees provided. Any applicable Federal, [redacted] or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2022-03-24): HUD received. Exception cleared.<br>Seller Comment (2022-03-24): Trailing documents received. | 03/24/2022 |  |  | 1 D A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697233 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing [redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2022-03-24): Exception replaced. | 03/24/2022 |  |  | 1 B A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697234 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697235 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | No Defined Cure |  |  | No |
| 223619600 | XX | XX | XX | 33697236 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | No Defined Cure |  |  | No |
| 223619600 | XX | XX | XX | 33697237 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697238 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697239 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697240 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  | Reviewer Comment (2022-03-24): Final Loan Application received. Exception cleared. | 03/24/2022 |  |  | 1 B A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697241 |  | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Arbitration Clause) | [redacted] Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause. |  |  |  |  | Reviewer Comment (2022-03-24): Cleared after re-review. | 03/24/2022 |  |  | 1 B A |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697242 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of [redacted] was used for Compliance testing. The loan would result in a High Cost failure due to points and fees test failure based on the following application dates [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted]. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697243 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final [redacted]: [redacted] Not Signed or Stamped Used For Fee Testing Material | Missing Final [redacted]: [redacted] Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697244 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | D |  |  | No |
| 223619600 | XX | XX | XX | 33697245 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Ability to Repay not Verified) | [redacted] High-Cost Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | See any available cure under the Georgia High Cost Loan threshold exception. D |  |  | No |
| 223619600 | XX | XX | XX | 33697246 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Counseling Requirement) | [redacted] High-Cost Loan: No evidence that borrower received counseling on the advisability of the loan transaction. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | See any available cure under the Georgia High Cost Loan threshold exception. D |  |  | No |
| 223619600 | XX | XX | XX | 33697247 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Georgia High-Cost Loan (Fair Lending Notice Not on Note and/or Security Instrument) | [redacted] High-Cost Loan: Required GFLA Notice is not displayed on all documents that create a debt or pledge property as collateral. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | See any available cure under the Georgia High Cost Loan threshold exception. D |  |  | No |
| 223619600 | XX | XX | XX | 33697248 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Impermissible Prepayment Penalty) | [redacted] High-Cost Loan: Mortgage loan contains an impermissible prepayment penalty. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | See any available cure under the Georgia High Cost Loan threshold exception. D |  |  | No |
| 223619600 | XX | XX | XX | 33697249 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Georgia High-Cost Loan (Points and Fees) | [redacted] Fair Lending Act: Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%). Non-Compliant High-Cost Loans. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | Within 90 days of loan closing and prior to receiving notice from the borrower: (a) offer restitution and make appropriate adjustments; or (b) to correct failure related to financing of insurance, make appropriate restitution by returning premiums paid plus interest charged on the premiums upon receipt of the notice of compliance failure.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D |  |  | Yes |
| 223619600 | XX | XX | XX | 33697250 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Balloon Feature) | [redacted] High-Cost Loan: Mortgage loan contains an impermissible balloon payment. |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | See any available cure under the Georgia High Cost Loan threshold exception. D |  |  | No |
| 223619601 | XX | XX | XX | 33697252 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697253 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697254 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) | Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697255 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697256 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of[redacted]used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697257 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697258 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697259 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619601 | XX | XX | XX | 33697260 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619601 | XX | XX | XX | 33697261 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619602 | XX | XX |  | 33697262 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Loan Program Info Disclosure is missing | Disclosure: Loan Program Info Disclosure | Verified the Loan Program Disclosure is missing from the file. |  |  |  |  |  |  |  | 2 C B |  | NY | Primary | Purchase | C B |  |  | No |
| 223619603 | XX | XX |  | 33697263 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Good Faith Estimate (GFE) not provided |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619603 | XX | XX |  | 33697264 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619603 | XX | XX |  | 33697265 |  | Compliance | Compliance | Miscellaneous Compliance | TILA | Missing Document: TIL Initial not provided |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619603 | XX | XX |  | 33697266 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619603 | XX | XX |  | 33697268 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619603 | XX | XX |  | 33697269 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619603 | XX | XX |  | 33697270 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619604 | XX | XX | XX | 33697271 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | MO | Primary | Purchase | B |  |  | No |
| 223619604 | XX | XX | XX | 33697272 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | B |  |  | No |
| 223619604 | XX | XX | XX | 33697273 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing |  |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | No Defined Cure B |  |  | No |
| 223619604 | XX | XX | XX | 33697274 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status |  |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | No Defined Cure B |  |  | No |
| 223619606 | XX | XX |  | 33697275 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Purchase | B |  |  | No |
| 223619606 | XX | XX |  | 33697276 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Purchase | B |  |  | No |
| 223619610 | XX | XX |  | 33697278 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 223619611 | XX | XX |  | 33697279 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  | 3 D |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697280 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697281 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final [redacted] No Document Used For Fee Testing |  |  |  |  |  |  |  |  |  | 3 D |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697282 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697283 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619611 | XX | XX |  | 33697284 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697285 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697286 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619611 | XX | XX |  | 33697287 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619612 | XX | XX |  | 33697288 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed |  | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619613 | XX | XX |  | 33697289 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619613 | XX | XX |  | 33697290 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619613 | XX | XX |  | 33697291 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed |  | TIL itemization did not include $[redacted] application fee in the prepaid finance charges but did include a $[redacted] [redacted] fee and a $-[redacted] loan discount fee in the prepaids. |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619613 | XX | XX |  | 33697292 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: [redacted] |  |  |  |  |  |  |  |  | 3 D |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619614 | XX | XX | XX | 33697293 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697294 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697295 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697296 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697297 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697298 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697299 |  | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697300 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is Missing. |  |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697301 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Amendatory Clause is missing. | Disclosure: FHA - Amendatory Clause (Government Documents) |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697302 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Real Estate Certification is missing. | Disclosure: FHA - Real Estate Certification (Government Documents) |  |  |  |  |  |  |  |  | 3 C |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697303 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2019-08-01): HUD received | 04/27/2018 |  |  | 1 B A |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697304 |  | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697305 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final [redacted] No document containing fees provided. Any applicable Federal, [redacted] or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2019-08-01): HUD received | 04/27/2018 |  |  | 1 D A |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697306 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. Due to missing [redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2019-08-01): HUD received | 04/27/2018 |  |  | 1 B A |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697307 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  | Reviewer Comment (2019-08-01): HUD received | 04/27/2018 |  |  | 1 B A |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697308 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697309 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697310 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697311 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2019-08-01): HUD received indicates transaction was a purchase | 04/27/2018 |  |  | 1 B A |  | WI | Primary | Purchase | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Yes |
| 223619614 | XX | XX | XX | 33697312 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697313 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697314 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697315 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA ([redacted]): Initial payment on Final [redacted] does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697316 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619614 | XX | XX | XX | 33697317 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Purchase | D C |  |  | No |
| 223619615 | XX | XX |  | 33697318 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619615 | XX | XX |  | 33697319 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619616 | XX | XX |  | 33697320 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619616 | XX | XX |  | 33697321 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted] (a)([redacted]): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the [redacted] Endorsement, there is no evidence the Title Policy includes the [redacted] [redacted].[redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B |  |  | No |
| 223619616 | XX | XX |  | 33697322 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted](a)([redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. |  |  |  |  | Reviewer Comment (2019-07-08): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. Offer to Refinance expires [redacted]. |  | 07/17/2018 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B |  |  | Yes |
| 223619616 | XX | XX |  | 33697323 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619617 | XX | XX |  | 33697324 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument not provided |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619617 | XX | XX |  | 33697325 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619617 | XX | XX |  | 33697326 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619617 | XX | XX |  | 33697327 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619617 | XX | XX |  | 33697328 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619618 | XX | XX |  | 33697329 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619618 | XX | XX |  | 33697330 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619618 | XX | XX |  | 33697331 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619618 | XX | XX |  | 33697333 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619618 | XX | XX |  | 33697334 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619619 | XX | XX |  | 33697335 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | WV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619619 | XX | XX |  | 33697336 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619619 | XX | XX |  | 33697340 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted] [redacted] AM. |  |  |  |  |  |  |  |  | 2 B |  | WV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619620 | XX | XX |  | 33697341 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: [redacted]-A not provided |  |  |  |  |  |  |  |  |  | 3 C |  | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619620 | XX | XX |  | 33697342 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619620 | XX | XX |  | 33697343 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | VA - Loan Summary Sheet [redacted]-[redacted]is missing |  |  |  |  |  |  |  |  |  | 3 C |  | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619620 | XX | XX |  | 33697344 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619621 | XX | XX |  | 33697346 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697347 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697348 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697349 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697350 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697352 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697353 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619621 | XX | XX |  | 33697354 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619621 | XX | XX |  | 33697355 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619622 | XX | XX |  | 33697356 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619622 | XX | XX |  | 33697358 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619623 | XX | XX |  | 33697359 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Purchase | B |  |  | No |
| 223619623 | XX | XX |  | 33697360 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Purchase | B |  |  | No |
| 223619623 | XX | XX |  | 33697361 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Purchase | B |  |  | No |
| 223619623 | XX | XX |  | 33697362 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Purchase | B |  |  | No |
| 223619624 | XX | XX |  | 33697363 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | B |  |  | No |
| 223619625 | XX | XX |  | 33697364 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619625 | XX | XX |  | 33697365 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619625 | XX | XX |  | 33697366 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619625 | XX | XX |  | 33697368 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619625 | XX | XX |  | 33697370 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of[redacted] [redacted]AM. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619625 | XX | XX |  | 33697371 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619626 | XX | XX |  | 33697372 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 223619627 | XX | XX |  | 33697374 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697375 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697376 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697377 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: [redacted]-A not provided |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697378 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697379 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final [redacted]: No Document Used For Fee Testing | Missing Final [redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697380 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. Due to missing [redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697381 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697382 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619627 | XX | XX |  | 33697383 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697384 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697385 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697386 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697387 |  | Credit | Guideline | Guideline Issue | Guideline | Non-Borrower-Paid Cash/Credit is missing. |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697388 |  | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619627 | XX | XX |  | 33697389 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | MI | UTD | UTD - UTD | D |  |  | No |
| 223619628 | XX | XX |  | 33697390 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Disclosed payment on Note of $[redacted] does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619629 | XX | XX |  | 33697391 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | OH | Primary | Purchase | B |  |  | No |
| 223619629 | XX | XX |  | 33697392 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | [redacted] Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | OH | Primary | Purchase | B |  |  | No |
| 223619629 | XX | XX |  | 33697393 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Small Loan | [redacted] Prepayment Penalty: Prepayment penalty not permissible on a first lien loan less than $[redacted]. | PPP expired. No prepayment may be charge on loan s less than $[redacted] per state - [redacted] . Note states [redacted] months interest. Lender is [redacted], N.A. |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | OH | Primary | Purchase | B |  |  | No |
| 223619629 | XX | XX |  | 33697394 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was[redacted] |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | OH | Primary | Purchase | B |  |  | No |
| 223619629 | XX | XX |  | 33697395 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted]([redacted]) business days of application due to missing information. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | OH | Primary | Purchase | B |  |  | No |
| 223619630 | XX | XX |  | 33697396 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619630 | XX | XX |  | 33697397 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form [redacted]/[redacted]used for incorrect Subject property type. | - ___ |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619630 | XX | XX |  | 33697398 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619631 | XX | XX |  | 33697399 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | ND | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619631 | XX | XX |  | 33697400 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | ND | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619631 | XX | XX |  | 33697401 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | ND | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619631 | XX | XX |  | 33697402 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Loan contains prepayment penalty which was not disclosed separately to the borrower. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | ND | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619632 | XX | XX |  | 33697403 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | [redacted] Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  | Reviewer Comment (2019-06-26): Client requested to close exception<br>Buyer Comment (2019-06-24): Waived |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619633 | XX | XX |  | 33697404 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619633 | XX | XX |  | 33697405 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619633 | XX | XX |  | 33697406 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) | [redacted] Rate Spread Home Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Cash-out - Other | See any available cure under the North Carolina Rate Spread Home Loan threshold exception. |  |  | No |
| 223619633 | XX | XX |  | 33697407 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Rate Spread Threshold Test Non-Compliant | [redacted] Rate Spread Home Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of [redacted] Treasury [redacted] % + [redacted] %, or [redacted] % and Conventional Mortgage Rate [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Cash-out - Other | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes |
| 223619633 | XX | XX |  | 33697408 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | Yes |
| 223619633 | XX | XX |  | 33697409 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 223619633 | XX | XX |  | 33697410 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to three ([redacted]) business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Yes |
| 223619634 | XX | XX |  | 33697411 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619634 | XX | XX |  | 33697412 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619635 | XX | XX |  | 33697413 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619635 | XX | XX |  | 33697414 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by . [redacted] %. APR of [redacted] % exceeds a threshold of [redacted] % based on the US Treasury for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted] %. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2019-07-26): Provided with trailing documents. | 07/26/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B |  |  | Yes |
| 223619635 | XX | XX |  | 33697415 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  | Reviewer Comment (2019-07-26): Provided with trailing documents. | 07/26/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619635 | XX | XX |  | 33697416 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  | Reviewer Comment (2019-07-26): Provided with trailing documents. | 07/26/2019 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619635 | XX | XX |  | 33697417 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Georgia High-Cost Loan (Calculated APR/Rate) | [redacted] Fair Lending Act: APR Threshold is exceeded by . [redacted] %. APR of [redacted] % exceeds a threshold of [redacted] % based on the US Treasury for comparable maturities of [redacted] % plus jurisdiction allowable margin of [redacted] %. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2019-07-26): Provided with trailing documents. | 07/26/2019 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Within 90 days of loan closing and prior to receiving notice from the borrower: (a) offer restitution and make appropriate adjustments; or (b) to correct failure related to financing of insurance, make appropriate restitution by returning premiums paid plus interest charged on the premiums upon receipt of the notice of compliance failure.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes |
| 223619635 | XX | XX |  | 33697418 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619635 | XX | XX |  | 33697419 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619636 | XX | XX |  | 33697420 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619636 | XX | XX |  | 33697421 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619636 | XX | XX |  | 33697422 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619636 | XX | XX |  | 33697423 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to three ([redacted]) business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619636 | XX | XX |  | 33697424 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619636 | XX | XX |  | 33697425 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 C |  | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619637 | XX | XX |  | 33697426 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697427 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697428 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697429 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697430 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] . Due to missing HUD- [redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697431 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697432 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697433 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Purchase | D |  |  | No |
| 223619637 | XX | XX |  | 33697434 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | D |  |  | No |
| 223619638 | XX | XX |  | 33697435 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697436 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697437 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697438 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697439 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697440 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697441 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697442 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619638 | XX | XX |  | 33697443 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619638 | XX | XX |  | 33697444 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619639 | XX | XX |  | 33697446 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of [redacted] was used for Compliance testing. The loan would result in a High Cost failure due rate test failure on the following application dates [redacted] |  |  |  |  |  |  |  |  | 3 C |  | SC | Primary | Purchase | C |  |  | No |
| 223619639 | XX | XX |  | 33697447 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | C |  |  | No |
| 223619639 | XX | XX |  | 33697448 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | C |  |  | No |
| 223619639 | XX | XX |  | 33697449 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | C |  |  | No |
| 223619639 | XX | XX |  | 33697450 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) South Carolina High-Cost Loan (Calculated APR) | [redacted] High-Cost and Consumer Home Loan Act: Loan is high-cost as APR Threshold is exceeded by . [redacted] %. APR of [redacted] % exceeds a threshold of [redacted] % based on the US Treasury for comparable maturities of [redacted] % plus jurisdiction allowable margin of [redacted] %. Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | SC | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days after the discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes |
| 223619639 | XX | XX |  | 33697451 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | C |  |  | No |
| 223619639 | XX | XX |  | 33697452 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | No Defined Cure |  |  | No |
| 223619639 | XX | XX |  | 33697453 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | No Defined Cure |  |  | No |
| 223619640 | XX | XX |  | 33697454 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619640 | XX | XX |  | 33697455 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619640 | XX | XX |  | 33697456 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619640 | XX | XX |  | 33697457 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619641 | XX | XX | XX | 33697459 |  | Compliance | Compliance | State Compliance | State Defect | [redacted]CHL Complaint Agency Disclosure Timing Test | [redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619641 | XX | XX | XX | 33697460 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) South Carolina High-Cost Loan (Points and Fees) | [redacted] High-Cost and Consumer Home Loan Act: Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted] %). Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | SC | Primary | Refinance - Cash-out - Debt Consolidation | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days after the discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes |
| 223619642 | XX | XX | XX | 33697461 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NJ | Investment | Purchase | A |  |  | No |
| 223619643 | XX | XX | XX | 33697463 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619643 | XX | XX | XX | 33697465 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619643 | XX | XX | XX | 33697466 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Under disclosure due to lender final TIL reflects MI for [redacted] months and actual TIL reflects MI will drop off at [redacted] months. |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | Yes |
| 223619644 | XX | XX |  | 33697467 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619644 | XX | XX |  | 33697468 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619645 | XX | XX |  | 33697469 |  | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. |  |  |  |  |  |  |  |  |  | 3 C |  | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619645 | XX | XX |  | 33697470 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619645 | XX | XX |  | 33697471 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619645 | XX | XX |  | 33697472 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to three ([redacted] business days from transaction date of [redacted] . |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619646 | XX | XX | XX | 33697473 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619646 | XX | XX | XX | 33697474 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619646 | XX | XX | XX | 33697475 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619646 | XX | XX | XX | 33697476 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619648 | XX | XX |  | 33697477 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | B |  |  | No |
| 223619648 | XX | XX |  | 33697478 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD- [redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619648 | XX | XX |  | 33697479 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] Late Charge Percent Testing | [redacted] Late Charge: Note late charge percent of [redacted] % exceeds the state maximum of [redacted] %. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619648 | XX | XX |  | 33697480 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than [redacted] % is [redacted] months. Loan with an interest rate of [redacted] % contracts for a prepay term of [redacted] months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619648 | XX | XX |  | 33697481 |  | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of [redacted] % is underdisclosed from calculated APR of [redacted] % outside of [redacted] % tolerance. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619648 | XX | XX |  | 33697482 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Under disclosure due to lender disclosed loan with lower index than available within look back. Lowest index within look back is [redacted] %. |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619649 | XX | XX | XX | 33697483 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697484 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697485 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697486 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697487 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD- [redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697488 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619649 | XX | XX | XX | 33697489 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619649 | XX | XX | XX | 33697490 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619650 | XX | XX | XX | 33697491 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697492 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697493 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697494 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697495 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697496 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD- [redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697497 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619650 | XX | XX | XX | 33697498 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | NY | UTD | Purchase | B |  |  | No |
| 223619651 | XX | XX |  | 33697499 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697500 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697501 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-[redacted] Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD- [redacted] : HUD- [redacted] Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697502 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697503 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | [redacted] Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697504 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | [redacted] Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697505 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | [redacted] Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697506 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Maximum calculated prepay of $[redacted] exceeds the state maximum for first lien loans of [redacted] % of the prepaid balance ($[redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619651 | XX | XX |  | 33697507 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 223619651 | XX | XX |  | 33697508 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 223619651 | XX | XX |  | 33697509 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619651 | XX | XX |  | 33697510 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619652 | XX | XX |  | 33697511 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619652 | XX | XX |  | 33697512 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619652 | XX | XX |  | 33697513 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD- [redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619652 | XX | XX |  | 33697514 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619652 | XX | XX |  | 33697516 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619653 | XX | XX |  | 33697517 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697518 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697519 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697520 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697521 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697522 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Incorrect TIL form used for loan originated after January 31, 2011. |  |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697523 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697524 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697525 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697526 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: Estimated HUD-[redacted]Used For Fee Testing Material | Missing Final HUD- [redacted] : Estimated HUD- [redacted] used for any applicable Federal, State or Local compliance testing. | HUD appears to be final; however, page [redacted] indicates property tax escrows and no escrows in [redacted] section and no fees in any section [redacted] through [redacted] . |  |  |  | Reviewer Comment (2024-03-05): S&D reason. |  |  |  | 3 D |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697527 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697529 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697530 |  | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697531 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD- [redacted] for GFE and HUD [redacted] % Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check |  |  | Yes |
| 223619653 | XX | XX |  | 33697532 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD- [redacted] for GFE Block [redacted] /HUD 801 Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check |  |  | Yes |
| 223619653 | XX | XX |  | 33697533 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD- [redacted] for GFE Block [redacted] /HUD [redacted] Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check |  |  | Yes |
| 223619653 | XX | XX |  | 33697534 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD- [redacted] for GFE Block [redacted] /HUD [redacted] Transfer Tax Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check |  |  | Yes |
| 223619653 | XX | XX |  | 33697535 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD- [redacted] for GFE Block A/HUD [redacted] Fees without a cure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check |  |  | Yes |
| 223619653 | XX | XX |  | 33697536 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697537 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | Unable to determine if the Good Faith Estimate column on page [redacted] of the Final HUD- [redacted] is accurate as compared to the most recently disclosed Good Faith Estimate due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697538 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Incorrect GFE Form Used | RESPA ([redacted]) - Good Faith Estimate not on the proper [redacted] GFE form. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697539 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697540 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | Unable to determine if the Final GFE indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697541 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697542 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697543 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697544 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual payment due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697545 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA ([redacted]) - HUD- [redacted] column on page [redacted] of Final HUD- [redacted] does not match charges on page [redacted] of disclosure. |  |  |  |  | Reviewer Comment (2024-03-05): S&D reason. |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697546 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | RESPA ([redacted]): Existence of escrow account disclosed on Final HUD-1 does not match actual terms. |  |  |  |  | Reviewer Comment (2024-03-05): S&D reason. |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697547 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | Unable to determine if the Final HUD- [redacted] Settlement Statement is on the proper [redacted] form due to missing information. |  |  |  |  | Reviewer Comment (2024-03-05): S&D reason. |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697548 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697549 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697550 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697551 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | Unable to determine if the Good Faith Estimate was provided due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697552 |  | Compliance | Compliance | State Compliance | State Late Charge | [redacted] First Lien Late Charge Grace Period Testing | [redacted] Late Charge: Note grace period of [redacted] days is less than the state minimum of [redacted] days. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697553 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697554 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Unable to test the Escrow Payment on the Final TIL due to missing information. |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697555 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Interest Rate Inaccurate | Unable to test Introductory Interest Rate due to missing information. |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697556 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - P&I Payment Inaccurate | Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information. |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697557 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information. |  |  |  |  | Reviewer Comment (2024-03-06): Known Defect |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697558 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | Incorrect TIL Form Used | Unable to determine if the lender is using the new model disclosure due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697559 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing | Unable to test required Final TIL verbiage due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697560 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619653 | XX | XX |  | 33697561 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Missing HUD- [redacted] /CFD to Mortgage conversion via Modification - No originatin docs available for complia |  |  |  | Reviewer Comment (2024-03-05): S&D reason. |  |  |  | 2 B |  | PA | UTD | Purchase | D |  |  | No |
| 223619654 | XX | XX |  | 33697562 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Refinance - UTD | D |  |  | No |
| 223619654 | XX | XX |  | 33697563 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD- [redacted]: No Document Used For Fee Testing Material | Missing Final HUD- [redacted] . No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | RI | Primary | Refinance - UTD | D |  |  | No |
| 223619654 | XX | XX |  | 33697566 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty NonPurchase Test | Rhode Island Prepayment Penalty: Non-purchase loan contains a prepayment penalty which was not disclosed to the borrower in writing. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Refinance - UTD | D |  |  | No |
| 223619654 | XX | XX |  | 33697568 |  | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Refinance - UTD | D |  |  | No |
| 223619654 | XX | XX |  | 33697569 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Refinance - UTD | No Defined Cure |  |  | No |
| 223619655 | XX | XX |  | 33697570 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697571 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697572 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted] does not match calculated P&I of $[redacted] . Calculated P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697573 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697575 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697577 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619655 | XX | XX |  | 33697578 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697579 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697580 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619655 | XX | XX |  | 33697581 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619656 | XX | XX |  | 33697582 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697583 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697584 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697585 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697586 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697587 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697588 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697589 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697590 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD- [redacted]: HUD- [redacted] Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD- [redacted] : HUD- [redacted] Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697591 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697593 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697595 |  | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous [redacted] [redacted] (a)([redacted]) loan due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619656 | XX | XX |  | 33697596 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | Yes |
| 223619656 | XX | XX |  | 33697597 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619656 | XX | XX |  | 33697598 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 223619657 | XX | XX |  | 33697599 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619657 | XX | XX |  | 33697600 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619657 | XX | XX |  | 33697601 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619657 | XX | XX |  | 33697603 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acceleration Due to Decrease in Market Value) | [redacted] Constitution Section [redacted] (a)([redacted]): Loan contains impermissible acceleration due to decrease in market value or because of the owner's default for another debt not secured by a valid prior encumbrance against the homestead. |  |  |  |  | Reviewer Comment (2024-03-25): Cleared upon subsequent review of loan file | 03/25/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Send the borrower a written notice modifying any other amount, percentage, term, or other provision prohibited by this section to a permitted amount, percentage, term, or other provision and adjusting the account of the borrower to ensure that the borrower is not required to pay more than an amount permitted by this section and is not subject to any other term or provision prohibited by this section. C B |  |  | Yes |
| 223619657 | XX | XX |  | 33697604 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted] Constitution Section [redacted] (a)([redacted]): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least [redacted] days prior to closing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B |  |  | Yes |
| 223619657 | XX | XX |  | 33697605 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619657 | XX | XX |  | 33697606 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619657 | XX | XX |  | 33697607 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C B |  |  | Yes |
| 223619657 | XX | XX |  | 33697608 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619657 | XX | XX |  | 33697609 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619658 | XX | XX |  | 33697610 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Purchase | B |  |  | No |
| 223619658 | XX | XX |  | 33697611 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619658 | XX | XX |  | 33697612 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619658 | XX | XX |  | 33697613 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | B |  |  | No |
| 223619660 | XX | XX |  | 33697616 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697617 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697618 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697619 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697620 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619660 | XX | XX |  | 33697621 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697622 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697623 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697624 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619660 | XX | XX |  | 33697625 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing |  | Missing RTC |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619661 | XX | XX |  | 33697626 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697627 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697628 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697629 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided |  |  |  |  |  | Reviewer Comment (2018-07-27): Fees disclosed on the HELOC agreement | 07/27/2018 |  |  | 1 D A |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697630 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing |  |  |  |  |  | Reviewer Comment (2018-07-27): Fees on HELOC are [redacted] , clearing exception. | 07/27/2018 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697631 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees |  |  |  |  |  | Reviewer Comment (2018-07-27): Fees on HELOC are [redacted], clearing exception. | 07/27/2018 |  |  | 1 B A |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697632 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619661 | XX | XX |  | 33697633 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697634 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697635 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619661 | XX | XX |  | 33697636 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619662 | XX | XX |  | 33697637 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument not provided |  |  |  |  |  |  |  |  |  | 3 D |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697638 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697639 |  | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697640 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697641 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697642 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619662 | XX | XX |  | 33697643 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619662 | XX | XX |  | 33697644 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date |  |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619663 | XX | XX | XX | 33697645 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | B |  |  | No |
| 223619664 | XX | XX |  | 33697646 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619664 | XX | XX |  | 33697649 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (HOEPA): Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of the greater of [redacted] % of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or . [redacted] %). Non-Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 3 C |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D |  |  | Yes |
| 223619664 | XX | XX |  | 33697650 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD- [redacted]: Estimated HUD- [redacted]Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619664 | XX | XX |  | 33697652 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Nevada High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Law: Points and Fees on subject loan of [redacted] % is in excess of the allowable maximum of the greater of [redacted] % of the Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or . [redacted] %). Non-Compliant Home Loan. |  |  |  |  |  |  |  |  | 3 C |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | No obvious cure D |  |  | No |
| 223619664 | XX | XX |  | 33697653 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 223619664 | XX | XX |  | 33697654 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to three ([redacted]) business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619664 | XX | XX |  | 33697656 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223619664 | XX | XX |  | 33697657 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure |  |  | No |
| 223619665 | XX | XX |  | 33697659 |  | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is Missing |  | Missing Final Title Policy |  |  |  |  |  |  |  | 1 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697660 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML) Federal Higher-Priced Mortgage Loan (Stated APR Exceeds HPML Threshold) | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 3 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697661 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697662 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA ([redacted]): [redacted] % tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | Yes |
| 223619665 | XX | XX |  | 33697663 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | RESPA ([redacted]): [redacted]% tolerance violation for [redacted] fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | Yes |
| 223619665 | XX | XX |  | 33697664 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA ([redacted]): [redacted] % tolerance violation for [redacted] fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | Yes |
| 223619665 | XX | XX |  | 33697665 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA ([redacted]): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697666 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA ([redacted]): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697667 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA ([redacted]): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619665 | XX | XX |  | 33697668 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Lender's Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619666 | XX | XX |  | 33697669 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619667 | XX | XX |  | 33697670 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Lender's Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697671 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697672 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A [redacted] month lookback was used to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697673 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD- [redacted] | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697674 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697675 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697676 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697677 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section [redacted] (a)([redacted]): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D |  |  | Yes |
| 223619667 | XX | XX |  | 33697678 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [redacted] Constitution Section [redacted] (a)([redacted]): [redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. [redacted] has credited $[redacted] to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $[redacted]. [redacted] also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. |  |  | Yes |
| 223619667 | XX | XX |  | 33697679 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T- [redacted] and T- [redacted] Endorsement due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation D |  |  | No |
| 223619667 | XX | XX |  | 33697680 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | [redacted] Constitution Section [redacted] (a)([redacted]): Borrower did not receive Notice Concerning Extensions of Credit. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D |  |  | Yes |
| 223619667 | XX | XX |  | 33697681 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | [redacted] Constitution Section [redacted] (a)([redacted] : Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower along with AFMV signed by lender for borrower to execute and return. Rather than wait for return, [redacted] also elected to provide borrower with a $[redacted] credit to be applied to the principal on their loan and offer to refinance their loan. [redacted] confirmed the $[redacted] was applied to the borrower's account. Outside counsel has advised this was sufficient to cure this exception. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. |  |  | Yes |
| 223619667 | XX | XX |  | 33697682 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application) | [redacted] Constitution Section [redacted] (a)([redacted]): No evidence the borrower(s) received a copy of the final loan application at or prior to closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. [redacted] has credited $[redacted] to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $[redacted]. [redacted] also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D |  |  | Yes |
| 223619667 | XX | XX |  | 33697683 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [redacted] Constitution Section [redacted] (a)([redacted]): Final Itemized disclosure of fees, points, costs and charges not provided to borrower. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D |  |  | Yes |
| 223619667 | XX | XX |  | 33697684 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697685 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619667 | XX | XX |  | 33697686 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697687 |  | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is Missing |  |  |  |  |  |  |  |  |  | 1 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697688 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697689 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697690 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697691 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted](a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value. |  |  |  |  |  |  |  |  | 2 B A |  | TX | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223619667 | XX | XX |  | 33697692 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | Unable to determine if loan was closed an authorized location due to missing information. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. |  | 08/18/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. D |  |  | Yes |
| 223619668 | XX | XX | XX | 33697693 |  | Credit | Loan Package Documentation | Closing / Title | Title | Final Title Policy is Missing |  |  |  |  |  |  |  |  |  | 1 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697694 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697695 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697696 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697697 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | [redacted] Constitution Section [redacted] (a)([redacted]): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  |  | 2 B A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697698 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | [redacted] Constitution Section [redacted] (a)([redacted]): [redacted] Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. [redacted] has credited $[redacted]to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $[redacted]. [redacted] also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. |  | 08/17/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B |  |  | Yes |
| 223619668 | XX | XX | XX | 33697699 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B |  |  | No |
| 223619668 | XX | XX | XX | 33697700 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | [redacted] Constitution Section [redacted] (a)([redacted]): Points and fees on subject loan of [redacted] % is in excess of the allowable maximum of [redacted] % of the Original Principal Loan Amount. Points and Fees total $[redacted] on an Original Principal Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted] %.) |  |  |  |  | Reviewer Comment (2019-06-05): Re-graded to an EV2-B based on Outside Counsels feedback on the lenders rebuttal that the loans were made in accordance with existing case law at time of origination which provides that Origination charges to lender constitutes "interest" and is therefore excluded from [redacted] [redacted]% points and fees. |  |  |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Yes |
| 223619668 | XX | XX | XX | 33697701 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) | [redacted] Constitution Section [redacted]([redacted])([redacted]): [redacted] Cash-out Loan. Borrower was not provided copy of Application [redacted] day prior to closing. |  |  |  |  | Reviewer Comment (2019-06-05): [redacted] provided copy of letter sent to borrower indicating they have credited $[redacted] to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $[redacted]. Outside counsel advised this was sufficient to cure this exception. |  | 08/15/2017 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B |  |  | Yes |
| 223619668 | XX | XX | XX | 33697702 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | RESPA ([redacted]): Interest Rate on Final HUD- [redacted] does not match Note. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619668 | XX | XX | XX | 33697703 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619669 | XX | XX |  | 33697704 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619669 | XX | XX |  | 33697705 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619669 | XX | XX |  | 33697706 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619669 | XX | XX |  | 33697707 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to three ([redacted]) business days from transaction date of [redacted] |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619669 | XX | XX |  | 33697708 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted] . | Under disclosure appears to be fee payment stream related due to daily simple interest calculation. |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619669 | XX | XX |  | 33697709 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619669 | XX | XX |  | 33697710 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619670 | XX | XX |  | 33697711 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619670 | XX | XX |  | 33697712 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619670 | XX | XX |  | 33697713 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223619671 | XX | XX |  | 33697714 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted] (a)([redacted]): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the [redacted] Endorsement, there is no evidence the Title Policy includes the [redacted] [redacted] endorsement. (The loan is a [redacted] Section [redacted] (a)([redacted]) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No |
| 223619672 | XX | XX |  | 33697715 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Lender's Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | CT | Primary | Refinance - Streamlined | A |  |  | No |
| 223619672 | XX | XX |  | 33697716 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and may not contain standard legal language. |  |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Streamlined | A |  |  | No |
| 223619672 | XX | XX |  | 33697717 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | LDP results indicate a party to the transaction is excluded from eligibility. |  | All parties are not shown on the LDP search. |  |  |  |  |  |  |  | 3 C |  | CT | Primary | Refinance - Streamlined | A |  |  | No |
| 223619673 | XX | XX |  | 33697718 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 223619673 | XX | XX |  | 33697719 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] month(s) prior to consummation. A [redacted] month lookback was used to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 223619673 | XX | XX |  | 33697720 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] CHL Tangible Net Benefit Test | [redacted] Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 223619673 | XX | XX |  | 33697721 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 223619674 | XX | XX |  | 33697722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619674 | XX | XX |  | 33697723 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Ability to Repay) | Unable to determine if borrower's ability to repay requirements have been met due to missing information. |  |  |  |  | Reviewer Comment (2019-06-05): High cost cleared, exception is no longer valid. | 10/23/2018 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619674 | XX | XX |  | 33697724 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by . [redacted] %. APR of [redacted] % exceeds a threshold of [redacted] % based on the [redacted] Treasury for comparable maturities of [redacted] % plus jurisdiction allowable margin of [redacted] %. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2019-06-05): At the direction of the client, due to missing the initial application AMC used an application date systematically produced by the originator for compliance testing. Using this date, loan is no longer high cost. | 10/23/2018 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B |  |  | Yes |
| 223619674 | XX | XX |  | 33697725 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Refi Within 1 year - No TNB) | Unable to test due to missing consumer interest information. |  |  |  |  | Reviewer Comment (2019-06-05): High cost cleared, exception is no longer valid. | 10/23/2018 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619674 | XX | XX |  | 33697726 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2019-06-05): High cost cleared, exception is no longer valid. | 10/23/2018 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619674 | XX | XX |  | 33697727 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] 8 which is [redacted] [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted] |  |  |  |  | Reviewer Comment (2019-06-05): At the direction of the client, due to missing the initial application AMC used an application date systematically produced by the originator for compliance testing. | 10/23/2018 |  |  | 1 B A |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619674 | XX | XX |  | 33697728 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application AMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | C B |  |  | No |
| 223619675 | XX | XX |  | 33697729 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619675 | XX | XX |  | 33697730 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619676 | XX | XX |  | 33697731 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619676 | XX | XX |  | 33697732 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619676 | XX | XX |  | 33697733 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 223619676 | XX | XX |  | 33697734 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) | Unable to determine if borrower's ability to repay has been verified due to missing information. |  |  |  |  |  |  |  |  | 3 C |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under the North Carolina Rate Spread Home Loan threshold exception. |  |  | No |
| 223619676 | XX | XX |  | 33697735 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Rate Spread Threshold Test | [redacted] Rate Spread Home Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of US Treasury [redacted]% + [redacted]%, or [redacted]% and Conventional Mortgage Rate [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Rate Spread Home Loan. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | Within 90 days of closing and prior to institution of any action against the lender, (1) notify the borrower, and (2) make appropriate restitution at the option of the borrower to either (a) make the loan comply with prohibited acts and practices or (b) change the terms of the loan in a manner beneficial to the borrower so the loan is no longer rate spread. <br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a rate spread home loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-rate spread loan or (b) keep loan as a rate spread loan and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes |
| 223619677 | XX | XX |  | 33697736 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | B |  |  | No |
| 223619677 | XX | XX |  | 33697737 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | B |  |  | No |
| 223619677 | XX | XX |  | 33697738 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | B |  |  | No |
| 223619678 | XX | XX |  | 33697739 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697740 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697741 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697742 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697743 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697744 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697745 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA [redacted]-A not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697746 |  | Credit | Disclosure | Missing Document | Disclosure | FHA Informed Consumer Choice Disclosure is missing. |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697747 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697748 |  | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697749 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697750 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697751 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697752 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697753 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697754 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697755 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619678 | XX | XX |  | 33697756 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697757 |  | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  |  |  |  |  |  |  | 3 C |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619678 | XX | XX |  | 33697758 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B |  | GA | UTD | UTD - UTD | D |  |  | No |
| 223619679 | XX | XX |  | 33697759 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  | Reviewer Comment (2024-01-25): Document provided. Exception cleared. | 01/25/2024 |  |  | 1 C A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697760 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2024-01-25): Cert provided. Exception cleared. | 01/25/2024 |  |  | 1 C A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697761 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697762 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  | Reviewer Comment (2024-01-25): Document provided. Exception cleared. | 01/25/2024 |  |  | 1 B A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697763 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  | Reviewer Comment (2024-01-25): Application provided. Exception cleared. | 01/25/2024 |  |  | 1 B A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697764 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2024-01-25): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  | 2 B |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697765 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  | Reviewer Comment (2024-01-25): Cert provided. Exception cleared. | 01/25/2024 |  |  | 1 B A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697766 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2024-01-25): HUD provided. Exception cleared. | 01/25/2024 |  |  | 1 D A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697767 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2024-01-25): HUD provided. Exception replaced. | 01/25/2024 |  |  | 1 B A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697768 |  | Compliance | Compliance | Federal Compliance | Compliance | Note Interest Accrual Start Date | Disbursement Date is missing. Unable to determine Interest Accrual Start Date from the Note due to missing information. |  |  |  |  | Reviewer Comment (2024-01-25): HUD provided. Exception cleared | 01/25/2024 |  |  | 1 A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697769 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  | Reviewer Comment (2024-01-25): TIL provided. Exception cleared. | 01/25/2024 |  |  | 1 B A |  | OH | Primary | Purchase | D B |  |  | No |
| 223619679 | XX | XX |  | 33697770 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | D B |  |  | No |
| 223619680 | XX | XX |  | 33697771 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | SC | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619680 | XX | XX |  | 33697772 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | SC | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619680 | XX | XX |  | 33697773 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of final[redacted] | 08/10/2023 |  |  | 1 D A |  | SC | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619680 | XX | XX |  | 33697774 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2023-08-10): Cleared on receipt of final[redacted] | 08/10/2023 |  |  | 1 B A |  | SC | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619680 | XX | XX |  | 33697775 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | SC | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697776 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697777 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697778 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697779 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697780 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2023-08-15): Cleared on receipt of Final[redacted] | 08/15/2023 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697781 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697782 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2023-08-15): Cleared on receipt of Final [redacted] | 08/15/2023 |  |  | 1 D A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697783 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2023-08-15): Cleared on receipt of Final [redacted] | 08/15/2023 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697784 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619681 | XX | XX |  | 33697785 |  | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. |  |  |  |  |  |  |  |  |  | 3 C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697786 |  | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619681 | XX | XX |  | 33697787 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619682 | XX | XX |  | 33697788 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697789 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697790 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697791 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697792 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697793 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697794 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697795 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619682 | XX | XX |  | 33697796 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 223619682 | XX | XX |  | 33697797 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619682 | XX | XX |  | 33697798 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 223619683 | XX | XX |  | 33697799 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697800 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2023-08-10): Exception remains. Flood Certificate provided is not from origination. |  |  |  | 3 C |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697801 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697802 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697803 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697804 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  | Reviewer Comment (2023-08-10): Exception remains. Flood Certificate provided is not from origination. |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697805 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697806 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697807 |  | Compliance | Compliance | State Compliance | Misc. State Level | Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided | [redacted] Interest Act: [redacted] Disclosure not provided to loan applicant. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697808 |  | Compliance | Compliance | State Compliance | Misc. State Level | Vermont Interest Act - VT High Rate, High Point Disclosure Not Compliant | [redacted] Interest Act: [redacted] Disclosure not in compliance with state requirements. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697809 |  | Compliance | Compliance | State Compliance | State HPML | Vermont Interest Act - Vermont High Rate, High Point Loan (Interest Rate and/or Points and Fees) | [redacted] Interest Act: Note Rate on subject loan of [redacted]% is in excess of allowable threshold of Declared Rate [redacted]% + [redacted]%, or [redacted], or Points on the loan of [redacted]% exceed the allowable threshold of [redacted]%. Non-Compliant Loan. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697810 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619683 | XX | XX |  | 33697811 |  | Compliance | Compliance | State Compliance | Misc. State Level | Vermont Interest Act - VT High Rate, High Point Disclosure Not Provided Timely | [redacted] Interest Act: [redacted] Disclosure was not provided to the borrower prior to closing. | Unable to determine due to missing initial application date |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | D |  |  | No |
| 223619683 | XX | XX |  | 33697812 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Disclosed payment on note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B |  | VT | Primary | Refinance - UTD | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | Yes |
| 223619684 | XX | XX |  | 33697813 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619684 | XX | XX |  | 33697814 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619684 | XX | XX |  | 33697815 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619684 | XX | XX |  | 33697816 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619685 | XX | XX |  | 33697817 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619685 | XX | XX |  | 33697818 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619685 | XX | XX |  | 33697819 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619686 | XX | XX |  | 33697820 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | B |  |  | No |
| 223619686 | XX | XX |  | 33697821 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Under disclosure is fee related sourced to the itemization of amount financed not disclosing a closing protection letter fee of $[redacted], an email/e-doc fee of $[redacted]nor a settlement fee of $[redacted]as prepaid finance charges. |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619687 | XX | XX |  | 33697822 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619687 | XX | XX |  | 33697823 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within [redacted]business days of the loan application. |  |  |  |  |  |  |  |  |  | 3 C |  | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619687 | XX | XX |  | 33697824 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619687 | XX | XX |  | 33697825 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619687 | XX | XX |  | 33697826 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619688 | XX | XX |  | 33697827 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C |  | GA | Primary | Purchase | B |  |  | No |
| 223619688 | XX | XX |  | 33697828 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | B |  |  | No |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223619688 | XX | XX |  | 33697829 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | B |  |  | No |
| 223619689 | XX | XX |  | 33697832 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619690 | XX | XX |  | 33697837 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Missing HUD and Note |  |  |  | Reviewer Comment (2024-06-18): Cleared- Note received | 06/18/2024 |  |  | 1 D A | D | A D |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697838 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697839 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697840 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697841 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697842 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697843 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697844 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697845 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697846 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697847 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | D | D |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697848 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697850 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | D |  |  | No |
| 223619690 | XX | XX |  | 33697851 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619691 | XX | XX |  | 33697852 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619691 | XX | XX |  | 33697853 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619691 | XX | XX |  | 33697854 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619691 | XX | XX |  | 33697856 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619691 | XX | XX |  | 33697857 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619692 | XX | XX |  | 33697858 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697859 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697860 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Yes |
| 223619692 | XX | XX |  | 33697861 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697862 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | Federal HOEPA Ability to Repay Reliable Documentation | Truth in Lending Act (HOEPA): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697863 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697864 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697865 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (HOEPA): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619692 | XX | XX |  | 33697866 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Florida High-Cost Loan (Ability to Repay not Verified) | [redacted] High-Cost Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under the Florida High-Cost Home Loan threshold exception. D |  |  | No |
| 223619692 | XX | XX |  | 33697867 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Florida High-Cost Loan (APR Disclosure Not Provided) | [redacted] High-Cost Loan: APR Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under the Florida High-Cost Home Loan threshold exception. D |  |  | No |
| 223619692 | XX | XX |  | 33697868 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Florida High-Cost Loan (High Cost Disclosure Not Provided) | [redacted] High-Cost Loan: [redacted] Notice to the Borrower was not provided to borrower. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under the Florida High-Cost Home Loan threshold exception. D |  |  | No |
| 223619692 | XX | XX |  | 33697869 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Florida High-Cost Loan (Points and Fees) | [redacted] Fair Lending Act (Threshold Test): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of the greater of [redacted]% of the Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of receiving any notice from borrower of the compliance failure, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D |  |  | Yes |
| 223619692 | XX | XX |  | 33697870 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Florida High-Cost Loan (Notice to Assignee Not Provided) | [redacted] High-Cost Loan: Notice to Purchasers or Assignees was not contained in the mortgage loan file. |  |  |  |  | Reviewer Comment (2023-08-23): HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. | 08/23/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under the Florida High-Cost Home Loan threshold exception. D |  |  | No |
| 223619692 | XX | XX |  | 33697871 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: Illegible HUD-[redacted] Used For Fee Testing Material | Missing Final HUD-[redacted]: Illegible HUD-[redacted] used for any applicable Federal, State or Local compliance testing. | HUD is blurry and some fees are illegible. Compliance results are not final and could result in a different finding if a clear copy of the HUD is provided. |  |  |  |  |  |  |  | 3 D |  | D |  | FL | Primary | Refinance - Cash-out - Debt Consolidation | C D |  |  | No |
| 223619695 | XX | XX |  | 33697872 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697873 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697874 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | Reviewer Comment (2022-07-20): Appraisal received; exception cleared. | 07/20/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697875 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697876 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2022-07-19): HUD reviewed; exception cleared. | 07/19/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697877 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2022-07-19): HUD reviewed; exception cleared. | 07/19/2022 |  |  | 1 D A | D | A D |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697878 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  | Reviewer Comment (2022-07-19): Exception replaced. | 07/19/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697879 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697880 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619695 | XX | XX |  | 33697881 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697882 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Reviewer Comment (2022-07-20): Trailing documents reviewed; exception cleared. | 07/20/2022 |  |  | 1 A |  | A |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | D B |  |  | No |
| 223619695 | XX | XX |  | 33697883 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | TIL Itemization did not disclose the Title Courier fee in the amount of $[redacted] as prepaid finance charges. |  |  |  |  |  |  |  | 2 B |  | B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619696 | XX | XX |  | 33697884 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within [redacted]business days of the loan application. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619696 | XX | XX |  | 33697885 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619697 | XX | XX |  | 33697886 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | B |  |  | No |
| 223619697 | XX | XX |  | 33697887 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | B |  |  | No |
| 223619698 | XX | XX |  | 33697888 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619698 | XX | XX |  | 33697889 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619698 | XX | XX |  | 33697890 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619698 | XX | XX |  | 33697891 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619698 | XX | XX |  | 33697892 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619698 | XX | XX |  | 33697893 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-[redacted] Form was used and property is in the [redacted]rd circuit) |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619698 | XX | XX |  | 33697894 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223619698 | XX | XX |  | 33697895 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619698 | XX | XX |  | 33697896 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619699 | XX | XX |  | 33697897 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697898 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697899 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697900 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697901 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA [redacted]-A not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697902 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697903 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697904 |  | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697905 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697906 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697907 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619699 | XX | XX |  | 33697908 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Under disclosure is in the payments. Final TIL has MIP included in the payments for the first [redacted]months; however, MIP is included in the calculated payments for the life of the loan. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619699 | XX | XX |  | 33697909 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619700 | XX | XX |  | 33697910 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697911 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697912 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697913 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697914 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697915 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697916 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697917 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619700 | XX | XX |  | 33697918 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PR | UTD | Purchase | B |  |  | No |
| 223619701 | XX | XX |  | 33697919 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | B |  |  | No |
| 223619701 | XX | XX |  | 33697920 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | B |  |  | No |
| 223619702 | XX | XX |  | 33697921 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619702 | XX | XX |  | 33697923 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223619702 | XX | XX |  | 33697924 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619703 | XX | XX |  | 33697925 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | B |  |  | No |
| 223619703 | XX | XX |  | 33697926 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | B |  |  | No |
| 223619703 | XX | XX |  | 33697927 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | B |  |  | No |
| 223619703 | XX | XX |  | 33697928 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | B |  |  | No |
| 223619703 | XX | XX |  | 33697929 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | B |  |  | No |
| 223619704 | XX | XX |  | 33697930 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619704 | XX | XX |  | 33697931 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619704 | XX | XX |  | 33697932 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619704 | XX | XX |  | 33697934 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619704 | XX | XX |  | 33697935 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619704 | XX | XX |  | 33697936 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619704 | XX | XX |  | 33697937 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619705 | XX | XX |  | 33697938 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | B |  |  | No |
| 223619705 | XX | XX |  | 33697939 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | B |  |  | No |
| 223619705 | XX | XX |  | 33697940 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | B |  |  | No |
| 223619706 | XX | XX |  | 33697941 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697942 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697943 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697944 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697945 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-[redacted]: No Document Used For Fee Testing Material | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | D | D |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697946 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697948 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697950 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619706 | XX | XX |  | 33697951 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697952 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697953 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619706 | XX | XX |  | 33697954 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | UTD | Refinance - UTD | D |  |  | No |
| 223619707 | XX | XX |  | 33697955 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Investment | Purchase | B |  |  | No |
| 223619707 | XX | XX |  | 33697956 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-[redacted] or final closing disclosure of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Investment | Purchase | B |  |  | No |
| 223619708 | XX | XX |  | 33697957 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697958 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697959 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697960 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697961 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $[redacted]does not match calculated P&I of $[redacted]. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697962 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697963 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697965 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619708 | XX | XX |  | 33697966 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619708 | XX | XX |  | 33697967 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619709 | XX | XX |  | 33697968 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619709 | XX | XX |  | 33697969 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619709 | XX | XX |  | 33697970 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619709 | XX | XX |  | 33697971 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619709 | XX | XX |  | 33697972 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619709 | XX | XX |  | 33697975 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted] [redacted] AM. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619709 | XX | XX |  | 33697976 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619710 | XX | XX |  | 33697977 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619710 | XX | XX |  | 33697978 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619710 | XX | XX |  | 33697979 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619710 | XX | XX |  | 33697980 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | ME | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619711 | XX | XX |  | 33697981 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Purchase | B |  |  | No |
| 223619711 | XX | XX |  | 33697982 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Purchase | B |  |  | No |
| 223619711 | XX | XX |  | 33697983 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | B |  |  | No |
| 223619711 | XX | XX |  | 33697984 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | B |  |  | No |
| 223619711 | XX | XX |  | 33697985 |  | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven ([redacted]) business days prior to note date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | B |  |  | No |
| 223619712 | XX | XX |  | 33697986 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  | 04/23/2019 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697987 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  | 04/23/2019 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697988 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697989 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697990 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  | 04/23/2019 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697991 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697992 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697993 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-[redacted]. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  | 04/23/2019 |  |  | 1 D A | D | A D |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697994 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. Due to missing HUD-[redacted] or Closing Disclosure, no fees were used in testing. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697995 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697996 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three ([redacted]) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697997 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619712 | XX | XX |  | 33697998 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33697999 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least [redacted] ([redacted]) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  | 04/23/2019 |  |  | 1 B A | B | A B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33698000 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | ARM Error: Initial Rate Minimum was not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33698001 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  | 04/23/2019 |  |  | 1 A |  | A |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33698002 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | [redacted] Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  |  | 2 B |  | B |  | SC | Primary | Refinance - Cash-out - Other | D B |  |  | No |
| 223619712 | XX | XX |  | 33698003 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | B |  | SC | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619712 | XX | XX |  | 33698004 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three ([redacted]) days of application. |  |  |  |  |  |  |  |  | 2 B |  | B |  | SC | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223619712 | XX | XX |  | 33698005 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. |  |  |  |  |  |  |  |  | 2 B |  | B |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619713 | XX | XX |  | 33698006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698007 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698008 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | Federal HOEPA Ability to Repay Reliable Documentation | Truth in Lending Act (HOEPA): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  | Reviewer Comment (2019-03-22): At request of Client, used alternate source for application date (GFE and Lender cover letter). Using this date for testing, loan is not high cost. Exception cleared. | 03/22/2019 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698009 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Calculated APR/Rate) | Truth in Lending Act (HOEPA): APR Threshold is exceeded by .[redacted]%. APR of [redacted]% exceeds a threshold of [redacted]% based on the US Treasury for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2019-03-22): At request of Client, used alternate source for application date (GFE and Lender cover letter). Using this date for testing, loan is not high cost. Exception cleared. | 03/22/2019 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B |  |  | Yes |
| 223619713 | XX | XX |  | 33698010 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2019-03-22): At request of Client, used alternate source for application date (GFE and Lender cover letter). Using this date for testing, loan is not high cost. Exception cleared. | 03/22/2019 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698011 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  | Reviewer Comment (2019-03-22): At request of Client, used alternate source for application date (GFE and Lender cover letter). Exception cleared. | 03/22/2019 |  |  | 1 B A | B | A B |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698012 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619713 | XX | XX |  | 33698013 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | Unable to determine the under disclosure verified all fees per itemization of financed |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223619713 | XX | XX |  | 33698014 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At request of Client, used alternate source for application date (GFE and Lender cover letter). |  |  |  |  |  |  |  | 2 B |  | B |  | PA | Primary | Refinance - Cash-out - Other | C B |  |  | No |
| 223619714 | XX | XX |  | 33698015 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619714 | XX | XX |  | 33698016 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[redacted]form was used, the H-[redacted]form should have been used. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WI | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619715 | XX | XX |  | 33698017 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619715 | XX | XX |  | 33698018 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619715 | XX | XX |  | 33698019 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619715 | XX | XX |  | 33698020 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619715 | XX | XX |  | 33698021 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619715 | XX | XX |  | 33698022 |  | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619715 | XX | XX |  | 33698023 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619716 | XX | XX |  | 33698024 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | B |  |  | No |
| 223619716 | XX | XX |  | 33698025 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA ([redacted]): GFE does not provide minimum ten ([redacted]) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | B |  |  | No |
| 223619716 | XX | XX |  | 33698026 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | B |  |  | No |
| 223619716 | XX | XX |  | 33698027 |  | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | [redacted] HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | B |  |  | No |
| 223619716 | XX | XX |  | 33698028 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698029 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698030 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698031 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698032 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698033 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698034 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698035 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698036 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619717 | XX | XX |  | 33698037 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223619718 | XX | XX |  | 33698039 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619718 | XX | XX |  | 33698040 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619718 | XX | XX |  | 33698041 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619719 | XX | XX |  | 33698042 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619720 | XX | XX |  | 33698043 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619720 | XX | XX |  | 33698044 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619720 | XX | XX |  | 33698045 |  | Compliance | Compliance | State Compliance | State Defect | Alabama Prepayment Penalty | Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619720 | XX | XX |  | 33698046 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619722 | XX | XX |  | 33698047 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223619723 | XX | XX |  | 33698048 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619723 | XX | XX |  | 33698049 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619723 | XX | XX |  | 33698050 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [Redacted]Prepayment Penalty ([Redacted]Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than [Redacted]%. Loan contracts for an interest rate of [Redacted]%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223619723 | XX | XX |  | 33698051 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619723 | XX | XX |  | 33698052 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223619724 | XX | XX |  | 33698053 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698054 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698055 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698056 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698057 |  | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698058 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698059 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698060 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | D | D |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698061 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is [Redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | D |  |  | No |
| 223619724 | XX | XX |  | 33698062 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223619725 | XX | XX |  | 33698063 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [Redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698064 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698065 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698066 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a [Redacted] form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698067 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [Redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698068 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | [redacted] Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698069 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698070 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | [redacted] Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698071 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted] Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698072 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] Prepayment Penalty: Maximum calculated prepay of $[Redacted]exceeds the state maximum of [Redacted]% of the original balance ($[Redacted]). |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 223619725 | XX | XX |  | 33698073 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223619729 | XX | XX | XX | 33698085 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619729 | XX | XX | XX | 33698086 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619729 | XX | XX | XX | 33698089 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - \*\*Unable to clear\*\* TRID issue - CD dated[Redacted] discloses an APR of [Redacted]% and final CD dated [Redacted] discloses an APR of [Redacted]%; increase above tolerance. Finance charge increased by [Redacted]from initial CD to final CD. Unable to determine the reason for increase. Loan costs decreased from Initial CD to Final CD. |  |  |  | Reviewer Comment (2024-06-25): S&D reason |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619730 | XX | XX | XX | 33698090 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619730 | XX | XX | XX | 33698091 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received secondary valuation, Exception Cleared | 07/17/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619730 | XX | XX | XX | 33698095 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - DTI [Redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619730 | XX | XX | XX | 33698096 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A |  | A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619731 | XX | XX | XX | 33698097 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619731 | XX | XX | XX | 33698098 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-01): Received [redacted] | 08/01/2024 |  |  | 1 D A | N/A | A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619731 | XX | XX | XX | 33698100 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | Missing signature page |  |  |  | Reviewer Comment (2024-08-06): Received fully executed mortgage<br>Seller Comment (2024-08-02): [redacted] | 08/06/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619731 | XX | XX | XX | 33698101 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Mortgage provided is missing pages [Redacted] |  |  |  | Reviewer Comment (2024-08-06): Received fully executed mortgage<br>Seller Comment (2024-08-02): [redacted] | 08/06/2024 |  |  | 1 D A | D | A D |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619731 | XX | XX | XX | 33698102 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Missing signature/notary page of mortgage |  |  |  | Reviewer Comment (2024-08-06): Received fully executed mortgage | 08/06/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619731 | XX | XX | XX | 33698103 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - DTI [Redacted] |  |  |  | Reviewer Comment (2024-08-01): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619732 | XX | XX | XX | 33698105 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698106 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/19/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698108 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 3 B C | B | B C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619732 | XX | XX | XX | 33698109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI is exceeding due to low income of the borrower as the UW has incorrectly calculated the income. |  |  |  | Reviewer Comment (2024-06-28): S&D reason |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698110 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI is exceeding guideline limits due to low income of the borrower. |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698111 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-06-28): Due to DTI, S&D reason |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698112 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason: DTI = [Redacted]%. |  |  |  | Reviewer Comment (2024-06-28): S&S reason |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698113 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Variance of -[Redacted]% |  |  |  |  |  |  |  | 3 C A |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619732 | XX | XX | XX | 33698114 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619733 | XX | XX | XX | 33698115 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | IL | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619733 | XX | XX | XX | 33698116 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | IL | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619733 | XX | XX | XX | 33698119 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - High Cost [redacted] remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619733 | XX | XX | XX | 33698120 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-12): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619734 | XX | XX | XX | 33698121 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-07-17): Property Inspection Report was is in file, Exception cleared | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619734 | XX | XX | XX | 33698122 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619734 | XX | XX | XX | 33698123 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [Redacted] . Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619734 | XX | XX | XX | 33698126 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost MN remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-25): S&D |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619735 | XX | XX | XX | 33698128 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619735 | XX | XX | XX | 33698131 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[Redacted] form was used, the H-[Redacted] form should have been used. |  |  |  |  | Reviewer Comment (2024-07-17): Prior Lender is same as New lender & [redacted] form is used - Meets guideline // Exception Cleared<br>Seller Comment (2024-07-12): Response | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619735 | XX | XX | XX | 33698132 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619735 | XX | XX | XX | 33698133 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619736 | XX | XX | XX | 33698134 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619736 | XX | XX | XX | 33698135 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/23/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619736 | XX | XX | XX | 33698138 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed. |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619736 | XX | XX | XX | 33698139 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-12): hoi | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619737 | XX | XX | XX | 33698140 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619737 | XX | XX | XX | 33698143 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - High Cost MN remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619737 | XX | XX | XX | 33698144 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): recieved<br>Seller Comment (2024-07-13): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619737 | XX | XX | XX | 33698145 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619738 | XX | XX | XX | 33698146 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-07-17): Received secondary valuation, Exception Cleared | 07/17/2024 |  |  | 1 D A | D | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619738 | XX | XX | XX | 33698147 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/23/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619738 | XX | XX | XX | 33698150 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - High Cost MN remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619738 | XX | XX | XX | 33698151 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-13): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619739 | XX | XX | XX | 33698152 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/19/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619739 | XX | XX | XX | 33698155 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost MN remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619740 | XX | XX | XX | 33698156 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-07-17): Property Inspection Report was is in file, Exception cleared | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619740 | XX | XX | XX | 33698157 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619740 | XX | XX | XX | 33698158 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [Redacted]. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619740 | XX | XX | XX | 33698161 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619740 | XX | XX | XX | 33698162 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-13): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619741 | XX | XX | XX | 33698163 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619741 | XX | XX | XX | 33698164 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619741 | XX | XX | XX | 33698165 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619741 | XX | XX | XX | 33698168 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | [Redacted]Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619741 | XX | XX | XX | 33698169 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619742 | XX | XX | XX | 33698170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-07-17): Property Inspection Report was is in file, Exception cleared | 07/17/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619742 | XX | XX | XX | 33698171 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619742 | XX | XX | XX | 33698174 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | [Redacted]Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619742 | XX | XX | XX | 33698175 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-[Redacted] form was used, the H-[Redacted] form should have been used. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619742 | XX | XX | XX | 33698176 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619742 | XX | XX | XX | 33698177 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619743 | XX | XX | XX | 33698178 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-06-28): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619743 | XX | XX | XX | 33698179 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/25/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619743 | XX | XX | XX | 33698183 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | [Redacted]Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619744 | XX | XX | XX | 33698184 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619744 | XX | XX | XX | 33698185 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619744 | XX | XX | XX | 33698186 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/25/2024 | 2 A | A | A |  | MN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619744 | XX | XX | XX | 33698189 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | [redacted] Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698190 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698191 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared | 07/17/2024 |  |  | 1 D A | N/A | A D |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698192 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-07-31): Received income docs and updated loan<br>Seller Comment (2024-07-22): Loan is HPML QM Rebuttable Presumption - <br> Lock Date [redacted]<br> APR [redacted]%<br> Loan Term [redacted]years<br> Rate Spread [redacted]%<br> APOR [redacted]% +[redacted]% =[redacted]% | 07/31/2024 |  |  | 1 C A | C | A C |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698193 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [Redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-07-31): Received income docs and updated loan | 07/31/2024 |  |  | 1 B A | B | A B |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698194 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-07-31): Received income docs and updated loan<br>Seller Comment (2024-07-22): Loan is HPML QM Rebuttable Presumption - Appraisal not required | 07/31/2024 |  |  | 1 C A | C | A C |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698196 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-07-31): Received income docs and updated loan<br>Seller Comment (2024-07-16): income docs | 07/31/2024 |  |  | 1 C A | C | A C |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619745 | XX | XX | XX | 33698197 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The file is missing P&L. |  |  |  | Reviewer Comment (2024-07-31): Received income docs and updated loan<br>Seller Comment (2024-07-16): Income docs uploaded | 07/31/2024 |  |  | 1 B A C | B | A C B |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619745 | XX | XX | XX | 33698198 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost [Redacted]remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | NM | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619746 | XX | XX | XX | 33698200 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/21/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619746 | XX | XX | XX | 33698201 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619746 | XX | XX | XX | 33698204 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619746 | XX | XX | XX | 33698205 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619747 | XX | XX | XX | 33698206 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619747 | XX | XX | XX | 33698207 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-29): Received BPO, Exception cleared. | 07/29/2024 |  |  | 1 D A | N/A | A D |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619747 | XX | XX | XX | 33698210 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619747 | XX | XX | XX | 33698211 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Variance of -[Redacted]% |  |  |  |  |  |  |  | 3 C A |  | C |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619747 | XX | XX | XX | 33698212 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | SC | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619748 | XX | XX | XX | 33698213 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| 223619748 | XX | XX | XX | 33698214 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-29): Received BPO, Exception Cleared | 07/29/2024 |  |  | 1 D A | N/A | A D |  | SC | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| 223619749 | XX | XX | XX | 33698216 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619749 | XX | XX | XX | 33698217 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/19/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619749 | XX | XX | XX | 33698220 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619750 | XX | XX | XX | 33698223 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619750 | XX | XX | XX | 33698224 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-07-26): Received evidence of appraisal delivery. Data and testing updated.<br>Seller Comment (2024-07-13): Copy of appraisal email uploaded | 07/26/2024 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619750 | XX | XX | XX | 33698225 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-07-26): Received evidence of appraisal delivery. Data and testing updated.<br>Seller Comment (2024-07-13): Copy of appraisal email | 07/26/2024 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619750 | XX | XX | XX | 33698227 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  | Reviewer Comment (2024-06-28): S&D reason |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619751 | XX | XX | XX | 33698229 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/21/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619751 | XX | XX | XX | 33698232 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619751 | XX | XX | XX | 33698233 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | SC | Primary | Refinance - Cash-out - Other | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619752 | XX | XX | XX | 33698234 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619752 | XX | XX | XX | 33698235 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require legible copy of the paystub from the employer [Redacted]. The paystub in file is not legible. |  |  |  | Reviewer Comment (2024-07-31): Received same paystub, able to decipher hourly wage<br>Seller Comment (2024-07-13): Paystub | 07/31/2024 |  |  | 1 C A | C | A C |  | SC | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619752 | XX | XX | XX | 33698238 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  | Reviewer Comment (2024-07-31): S&D |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619753 | XX | XX | XX | 33698239 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619753 | XX | XX | XX | 33698240 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619753 | XX | XX | XX | 33698243 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor kick - tpr firm incorrectly calculated high cost failure - [Redacted]high cost failure |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | SC | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619754 | XX | XX | XX | 33698244 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2024-07-31): received<br>Seller Comment (2024-07-26): Please see attached<br>Reviewer Comment (2024-07-23): received screenshot of EConsent Status showing accepted, missing actual disclosure<br>Seller Comment (2024-07-14): Econsent | 07/31/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698245 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698246 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-07-23): Received inspection report<br>Seller Comment (2024-07-22): PDI | 07/23/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698247 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-08-06): received<br>Seller Comment (2024-08-02): Note | 08/06/2024 |  |  | 1 D A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698248 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698249 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698252 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 B C | B | B C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Non QM | ATR Fail | Yes |
| 223619754 | XX | XX | XX | 33698253 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[Redacted] | Ability to Repay (Dodd-Frank [Redacted]): Unable to verify current Wages/W-[Redacted] employment status using reasonably reliable third-party records. | Unable to verify current Wages/W-[Redacted] employment status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698254 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [Redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 1 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698256 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Missing VVOE |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698257 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619754 | XX | XX | XX | 33698258 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | ATR Fail | No |
| 223619755 | XX | XX | XX | 33698259 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698260 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. Appraisal was provided. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received [redacted], Exception cleared. | 07/17/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698263 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698264 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698265 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Occupancy inconclusive- water bill used to support occupancy |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698266 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | All borrower's mortgage statements, credit card statements, bank statements, W[Redacted]s, paystubs, and Driver license show other address. LOE states the other address is her spouse and she uses it since they file joint taxes, letter is not signed. |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619755 | XX | XX | XX | 33698267 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 A |  | A B |  | MD | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619756 | XX | XX | XX | 33698268 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619756 | XX | XX | XX | 33698270 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payment [Redacted] payment made[Redacted] payment made on [Redacted] |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619756 | XX | XX | XX | 33698271 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received [redacted], Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619756 | XX | XX | XX | 33698273 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lists lender only |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-14): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619757 | XX | XX | XX | 33698274 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payment no comments |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MO | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619757 | XX | XX | XX | 33698275 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-29): Received BPO, Exception Cleared | 07/29/2024 |  |  | 1 D A | N/A | A D |  | MO | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619757 | XX | XX | XX | 33698276 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/25/2024 | 2 A | A | A |  | MO | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619758 | XX | XX | XX | 33698279 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-29): Received BPO, Exception Cleared | 07/29/2024 |  |  | 1 D A | N/A | A D |  | PA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619758 | XX | XX | XX | 33698280 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619758 | XX | XX | XX | 33698283 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Pay String - Missed Payment First payment due [Redacted] and [Redacted] payments made [Redacted]. No comments re DQ. |  |  |  | Reviewer Comment (2024-06-28): S&D Reason |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619758 | XX | XX | XX | 33698284 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-14): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619759 | XX | XX | XX | 33698285 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | IN | Primary | Refinance - Cash-out - Other | D C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619759 | XX | XX | XX | 33698286 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | IN | Primary | Refinance - Cash-out - Other | D C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619759 | XX | XX | XX | 33698288 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Other | D C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619759 | XX | XX | XX | 33698290 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payment First payment due [Redacted]and [Redacted] payments made[Redacted]. Customer service made contact with the borrower on[Redacted] to advise that her payment is due; however, the borrower did not have her banking information with her. The call was disconnected before customer service was able to get additional information. |  |  |  | Reviewer Comment (2024-07-01): S&D Reason |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Other | D C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619759 | XX | XX | XX | 33698291 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Variance of -[Redacted]% |  |  |  |  |  |  |  | 3 C A |  | C |  | IN | Primary | Refinance - Cash-out - Other | D C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698292 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698293 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698294 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2024-08-06): Received RCE<br>Seller Comment (2024-08-02): RCE uploaded<br>Reviewer Comment (2024-07-31): [redacted] is based on the greater of [redacted]% of value or loan amount, Value at $[redacted]at [redacted]% is $[redacted] therefore shortfall is $[redacted]<br>Seller Comment (2024-07-14): Dwelling coverage amount of $[redacted]covers the [redacted] and [redacted]lien | 08/06/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698295 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-08-06): Received<br>Seller Comment (2024-08-02): Note | 08/06/2024 |  |  | 1 D A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698296 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Paystub dated [Redacted] for the period [Redacted] to [Redacted] is not legible. Require legible copy for the same. |  |  |  | Reviewer Comment (2024-07-31): Used prior paystub<br>Seller Comment (2024-07-15): Paystub is legible | 07/31/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698298 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619760 | XX | XX | XX | 33698301 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payment FPD [Redacted] [Redacted] payment made[Redacted]. Borrower had made consistent PR payments since the inception of the loan. A PR payment of $[Redacted]made [Redacted], the borrower likely thought the payment was going toward the [Redacted] payment as well. |  |  |  | Reviewer Comment (2024-07-31): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619761 | XX | XX | XX | 33698302 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619761 | XX | XX | XX | 33698304 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payment, no contact has been made with the borrower |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619761 | XX | XX | XX | 33698305 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619762 | XX | XX | XX | 33698306 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619762 | XX | XX | XX | 33698307 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | DE | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619762 | XX | XX | XX | 33698308 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | DE | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619762 | XX | XX | XX | 33698310 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Pay String - Missed Payments- no contact has been made with the borrower |  |  |  | Reviewer Comment (2024-07-01): S&D Reason |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 223619763 | XX | XX | XX | 33698311 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO with inspection report date, Exception cleared. | 07/17/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619763 | XX | XX | XX | 33698312 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619763 | XX | XX | XX | 33698313 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/24/2024 | 2 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619763 | XX | XX | XX | 33698316 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2024-07-31): Received VOE<br>Seller Comment (2024-07-14): VOE uploaded [redacted] [redacted] . Note date [redacted] - within [redacted] business days of the Note date | 07/31/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619763 | XX | XX | XX | 33698317 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-07-31): Received VOE<br>Seller Comment (2024-07-14): VOE uploaded [redacted] [redacted]. Note date [redacted] - within [redacted] business days of the Note date | 07/31/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619763 | XX | XX | XX | 33698318 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - SCRA Loan - [Redacted]to [Redacted]Interest Drop due to SCRA - Expires on [Redacted] |  |  |  | Reviewer Comment (2024-07-31): S&D |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698319 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-17): Received BPO, Exception cleared. | 07/17/2024 |  |  | 1 D A | N/A | A D |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698320 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 06/20/2024 | 2 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698323 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | [redacted] Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. |  |  |  |  | Reviewer Comment (2024-08-06): for review<br>Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698324 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | [redacted] Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. |  |  |  |  | Reviewer Comment (2024-08-06): for review<br>Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698325 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698326 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698327 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | [redacted] Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698328 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | [redacted] Predatory Lending Law: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted]on a Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-08-06): for review<br>Reviewer Comment (2024-07-01): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698329 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[Redacted] form was used, the H-[Redacted] form should have been used. |  |  |  |  | Reviewer Comment (2024-07-17): Same lender [redacted]<br>Seller Comment (2024-07-15): [redacted] Lien is with [redacted]. This is a refi with same lender. Correct [redacted] form was used. Uploaded statement and Note for [redacted]lien<br>Seller Comment (2024-07-15): [redacted] Lien is with [redacted]. This is a refi with same lender. Correct [redacted] form was used. Uploaded statement and Note for [redacted] lien | 07/17/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619764 | XX | XX | XX | 33698330 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - High Cost MD remediated - funds reimbursed |  |  |  | Reviewer Comment (2024-07-01): S&D reason |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619764 | XX | XX | XX | 33698331 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-07-17): received<br>Seller Comment (2024-07-14): HOI | 07/17/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619765 | XX | XX |  | 33698332 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 07/10/2024 | 2 A | A | A |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619765 | XX | XX |  | 33698333 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-12): Received Desk Review, Exception Cleared<br>Reviewer Comment (2024-07-23): Moved to buyer queue for consideration.<br>Seller Comment (2024-07-19): [redacted] down to [redacted] rating - [redacted] is not responsible for secondary valuations on S&D sales | 08/12/2024 |  |  | 1 D A | N/A | A D |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619765 | XX | XX |  | 33698334 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank [Redacted]): Employment history requirement not met. | Borrower does not have [Redacted] year work history. Borrower was a student and student history provided |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [redacted] CFR [redacted].<br>Reviewer Comment (2024-08-06): Please provide signed attestation of exemption<br>Seller Comment (2024-07-19): what are you looking for as education (student), prior and current employment were captured | 08/07/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619765 | XX | XX |  | 33698335 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | Borrower does not have [Redacted] year work history. Borrower was a student and student history provided |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [redacted]CFR [redacted].<br>Reviewer Comment (2024-08-06): Please provide signed attestation of exemption<br>Seller Comment (2024-07-19): education, prior and current employment captured - what isn't meeting guidelines? | 08/07/2024 |  |  | 1 B A C | B | A C B |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Exempt from ATR | Exempt from ATR | Yes |
| 223619765 | XX | XX |  | 33698336 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Investor ([Redacted]) rejected the loan for purchase due to the borrowers inability to occupy the property within [Redacted]days of consummating the transaction, they are not compliant with [Redacted]guidelines and the guidelines outlined in our mortgage rider.<br>Unfortunately the borrower has been trying to get the tenant to move out as evidenced by the notice of quit and the eviction notice but as of yet they have been unsuccessful." |  |  |  | Reviewer Comment (2024-07-10): S&D reason |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619766 | XX | XX |  | 33698337 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 07/10/2024 | 2 A | A | A |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619766 | XX | XX |  | 33698338 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Income Documents are missing hence could not calculated the DTI |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619766 | XX | XX |  | 33698339 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | due to excessive DTI |  |  |  | Reviewer Comment (2024-07-11): S&D reason |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619766 | XX | XX |  | 33698340 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Repurchased loan due to Incorrect Rental Income Calculation - Excessive DTI - Invalid AUS Findings: The Borrower retained their prior residence in[Redacted]. The Lender used [Redacted]% of the gross rental<br> income of $[Redacted]minus the first mortgage payment of $[Redacted]to qualify. The resulting rental loss of $[Redacted]per month was included in the Borrower's liabilities.<br> \* The Borrower had a second lien with [Redacted] with a monthly payment of $[Redacted]per month on their prior residence, that was not included in the rental calculation.<br> \* When the $[Redacted]per month is included in the rental income calculation, the net loss increased to $[Redacted]per month. <br>The $[Redacted]per month must be included in the Borrower's liabilities. The rental income from the Borrower's prior residence cannot be used to qualify. The lease agreement in file supported gross monthly rental income of $[Redacted]per month on the prior residence. Freddie Mac guide section [Redacted]requires the rental income to be supported by evidence of [Redacted]-months receipts. Evidence of [Redacted]-months receipts was not included in the original file and cited as a deficiency. As the rental income could not be verified and used to offset the mortgages on the Borrower's prior residence, the full PITI of $[Redacted]per month including the [Redacted]nd mortgage, on the Borrower's prior residence must be included in the Borrower's TDTI.<br> Using the PITI on the subject property of $[Redacted]per month, PITI on the prior residence of $[Redacted], and other debts of $[Redacted], the Borrower's total monthly obligations were $[Redacted]per month.<br> Using income of $[Redacted]per month, and total obligations of $[Redacted]per month, the Borrower's final TDTI increase to [Redacted]%. This invalided the LPA findings and indicated insufficient income to support total obligations." |  |  |  | Reviewer Comment (2024-07-11): S&D reason |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619766 | XX | XX |  | 33698341 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-07-11): S&D |  |  |  | 3 B C | B | B C |  | MN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Exempt from ATR | ATR Risk | Yes |
| 223619766 | XX | XX |  | 33698342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [Redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds [Redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  | Reviewer Comment (2024-07-11): S&D |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619766 | XX | XX |  | 33698343 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted] of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2024-07-11): S&D |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C A | Exempt from ATR | ATR Risk | No |
| 223619767 | XX | XX | XX | 33698345 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 07/11/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619767 | XX | XX | XX | 33698346 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-07): Received BPO, Exception cleared | 08/07/2024 |  |  | 1 D A | N/A | A D |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619767 | XX | XX | XX | 33698349 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - income docs |  |  |  | Reviewer Comment (2024-08-14): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619767 | XX | XX | XX | 33698350 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ | Variance of -[Redacted]% |  |  |  |  |  |  |  | 3 C A |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619767 | XX | XX | XX | 33698351 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619768 | XX | XX | XX | 33698352 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [Redacted]. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-07): Received BPO, Exception cleared | 08/07/2024 |  |  | 1 D A | N/A | A D |  | WA | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619768 | XX | XX | XX | 33698353 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 07/11/2024 | 2 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619768 | XX | XX | XX | 33698356 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2024-08-01): [Redacted] received Corrected CD, LOE to borrower and copy of principle reduction to borrower balance of $[redacted]. However, to cure this material disclosure violation on a rescindable transaction, must also provide proof of reopening of rescission to all consumers. In addition a material disclosure violation cannot be cured via principal reduction. Must refund total underdisclosure amount via a refund check with proof of mailing. The SFA guidance is based, in part on feedback from various law firms and on the ADMINISTRATIVE ENFORCEMENT OF THE TRUTH IN LENDING ACT - RESTITUTION Joint Statement of Policy and corresponding Q&As. Excerpts below: Restitution Provisions - Definitions: Except as provided below, all definitions are those found in the Truth in Lending Act (Act) and Regulation Z, [redacted]CFR Part [redacted]. [redacted]."Current examination" - the most recent examination begun on or after March [redacted], [redacted], in which compliance with Regulation Z was reviewed. [redacted]."Irregular Mortgage Transaction" means a loan secured by real estate for which the annual percentage rate (APR) cannot be calculated using Volume I of the Federal Reserve System's Truth in Lending, Regulation Z, Annual Percentage Rate Tables. [redacted]. "Lump sum method" means a method of reimbursement in which a cash payment equal to the total adjustment will be made to a consumer. [redacted]"Lump sum/payment reduction method" means a method of reimbursement in which the total adjustment to a consumer will be made in two stages: a. A cash payment that fully adjusts the consumer's account up to the time of the cash payment; and, b. A reduction of the remaining payment amounts on the loan. Methods of Adjustment: [redacted]. Q. Must reimbursements resulting from understated finance charges always be made as a single "lump sum" amount? A. No. Reimbursements resulting from the creditor's failure to include prepaid finance charges in the total finance charge "Must Always Be Refunded As A Lump Sum Payment", but reimbursements resulting from failure to include finance charge components that accrue over time may be prorated on a straight-line basis (no time value) over the life of the loan and refunded under the lump sum/payment reduction method, thus a cure refund check to borrower.<br>Seller Comment (2024-07-31): Tolerance cure of $[redacted]provided for under disclosed finance charge. No further cure is required |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619768 | XX | XX | XX | 33698357 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Final/[Redacted]) |  |  |  | Reviewer Comment (2024-08-01): [Redacted] received Corrected CD, LOE to borrower and copy of principle reduction to borrower balance of $[redacted]. However, to cure this material disclosure violation on a rescindable transaction, must also provide proof of reopening of rescission to all consumers. In addition a material disclosure violation cannot be cured via principal reduction. Must refund total underdisclosure amount via a refund check with proof of mailing. The SFA guidance is based, in part on feedback from various law firms and on the ADMINISTRATIVE ENFORCEMENT OF THE TRUTH IN LENDING ACT - RESTITUTION Joint Statement of Policy and corresponding Q&As. Excerpts below: Restitution Provisions - Definitions: Except as provided below, all definitions are those found in the Truth in Lending Act (Act) and Regulation Z, [redacted]CFR Part [redacted]. [redacted] ."Current examination" - the most recent examination begun on or after March [redacted], in which compliance with Regulation Z was reviewed. [redacted] ."Irregular Mortgage Transaction" means a loan secured by real estate for which the annual percentage rate (APR) cannot be calculated using Volume I of the Federal Reserve System's Truth in Lending, Regulation Z, Annual Percentage Rate Tables. 3. "Lump sum method" means a method of reimbursement in which a cash payment equal to the total adjustment will be made to a consumer. [redacted]. "Lump sum/payment reduction method" means a method of reimbursement in which the total adjustment to a consumer will be made in two stages: a. A cash payment that fully adjusts the consumer's account up to the time of the cash payment; and, b. A reduction of the remaining payment amounts on the loan. Methods of Adjustment: [redacted]. Q. Must reimbursements resulting from understated finance charges always be made as a single "lump sum" amount? A. No. Reimbursements resulting from the creditor's failure to include prepaid finance charges in the total finance charge "Must Always Be Refunded As A Lump Sum Payment", but reimbursements resulting from failure to include finance charge components that accrue over time may be prorated on a straight-line basis (no time value) over the life of the loan and refunded under the lump sum/payment reduction method, thus a cure refund check to borrower.<br>Seller Comment (2024-07-31): response |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619768 | XX | XX | XX | 33698358 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Income verification does not meet guidelines |  |  |  | Reviewer Comment (2024-07-22): S&D reason |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | D C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 223619769 | XX | XX | XX | 33698359 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 07/11/2024 | 2 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698360 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-07): Received BPO, Exception cleared | 08/07/2024 |  |  | 1 D A | N/A | A D |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698362 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - VVOE |  |  |  | Reviewer Comment (2024-07-22): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698363 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Per VOE dated [Redacted] borrower is no longer employed |  |  |  | Reviewer Comment (2024-07-22): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698364 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-07-22): Loan failed QM due to no longer being employed and no income therefore rolled to HPML testing |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698365 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [Redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698366 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-07-22): Loan failed QM due to no longer being employed and no income therefore rolled to HPML testing and appraisal was not done |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Per VOE dated [Redacted] borrower is no longer employed |  |  |  | Reviewer Comment (2024-07-22): S&D |  |  |  | 3 B C | B | B C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Higher Priced QM (APOR) | QM (APOR) Fail | Yes |
| 223619769 | XX | XX | XX | 33698368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - No Income Provided | General QM: No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Per VOE dated[Redacted] borrower is no longer employed |  |  |  | Reviewer Comment (2024-07-22): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Per VOE dated [redacted] borrower is no longer employed |  |  |  | Reviewer Comment (2024-07-22): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619769 | XX | XX | XX | 33698370 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C A | Higher Priced QM (APOR) | QM (APOR) Fail | No |
| 223619770 | XX | XX | XX | 33698373 |  | Compliance | TRID | Transaction Error | TRID | This loan was reviewed to a limited compliance scope. Some testing for TILA-RESPA Integrated Disclosure (TRID) compliance under the SFA TRID Grid is outside of the scope of review. This exception is for informational purposes only and does not impact grading. |  |  |  |  |  |  |  |  | 10/09/2024 | 2 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698374 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698375 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-11-11): received PDI<br>Reviewer Comment (2024-11-08): Please provide post disaster inspection, this is from the [redacted]declared disasters (DR-[redacted]-KY)<br>Seller Comment (2024-11-07): please attached<br>Seller Comment (2024-11-07): [redacted] county has not been declared as a FEMA disaster. Please see attached from FEMA website.<br>Reviewer Comment (2024-10-28): PDI not provided.<br>Seller Comment (2024-10-24): I am not seeing xx County in a FEMA disaster area at time of funding [redacted] | 11/11/2024 |  |  | 1 C A | C | A C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698376 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [Redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-11-08): Per uploaded commentary loan is HPML - this exception is stating loan is Higher Priced but not compliant and it is not compliant because there is no appraisal.<br>Seller Comment (2024-11-07): The QM Price based threshold for a second lien with a loan amount under $[redacted]is the APOR plus [redacted]%. Even if they use the lower APOR of [redacted], that would make the threshold [redacted]% and the APR on the loan is [redacted]%, which is way below the threshold.<br>Seller Comment (2024-11-07): Attached is the response from our Compliance Officer<br>Reviewer Comment (2024-11-06): The rate lock shows the rate of [redacted]which is not the rate the loan closed with - therefore used lowest APOR between Note data and lock date. Please provide documentation showing rate lock date and rate lock amount.<br>Seller Comment (2024-11-04): Please see attached<br>Reviewer Comment (2024-10-31): Rate lock dated [redacted] shows locked rate of [redacted]%; however note rate is [redacted]% therefore used lowest APOR between Note data and lock date. Please provide documentation showing rate lock date and rate lock amount.<br>Seller Comment (2024-10-25): Our compliance has reviewed over the finding. This loan is compliant. The QM threshold is APOR + [redacted]and APOR is [redacted]not [redacted]. |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698377 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [Redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-11-08): Per uploaded commentary loan is HPML - loan is Higher Priced but not compliant and it is not compliant because there is no appraisal.<br>Seller Comment (2024-11-07): The QM Price based threshold for a second lien with a loan amount under $[redacted]is the APOR plus [redacted]%. Even if they use the lower APOR of [redacted], that would make the threshold [redacted]% and the APR on the loan is [redacted]%, which is way below the threshold.<br>Seller Comment (2024-11-07): Please see attached response from our Compliance Officer<br>Reviewer Comment (2024-10-31): Rate lock dated [redacted] shows locked rate of [redacted]%; however note rate is [redacted]% therefore used lowest APOR between Note data and lock date. Please provide documentation showing rate lock date and rate lock amount.<br>Seller Comment (2024-10-25): Our compliance has reviewed over the finding. This loan is compliant. The QM threshold is APOR + [redacted]and APOR is [redacted]not [redacted]. |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698378 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  | Reviewer Comment (2024-11-08): HPML loans require apprsaisals<br>Seller Comment (2024-11-07): The QM Price based threshold for a second lien with a loan amount under $[redacted] is the APOR plus [redacted]%. Even if they use the lower APOR of [redacted], that would make the threshold [redacted]% and the APR on the loan is [redacted]%, which is way below the threshold.<br>Seller Comment (2024-11-07): Please see attached response from our compliance officer<br>Reviewer Comment (2024-11-06): The rate lock shows the rate of [redacted]which is not the rate the loan closed with - therefore used lowest APOR between Note data and lock date. Please provide documentation showing rate lock date and rate lock amount.<br>Seller Comment (2024-11-04): This is an HPML loan but interior appraisal was exempt since the loan amount was <=$[redacted]<br>Reviewer Comment (2024-10-31): Rate lock dated[redacted] shows locked rate of [redacted]%; however note rate is [redacted]% therefore used lowest APOR between Note data and lock date. Please provide documentation showing rate lock date and rate lock amount.<br>Seller Comment (2024-10-25): Our compliance has reviewed over the finding. This loan is compliant. The QM threshold is APOR + [redacted]and APOR is [redacted] not [redacted]. A interior inspection is not needed. |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698380 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698381 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 B C | B | B C |  | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619770 | XX | XX | XX | 33698382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) |  |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698383 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall condition due to excessive DTI |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619770 | XX | XX | XX | 33698384 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Defect - underwriter used full gross income and did not take into consideration the borrower's ex-wife was awarded half the pension in the divorce decree. DTI now [redacted] |  |  |  | Reviewer Comment (2024-10-14): S&D defect |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619772 | XX | XX | XX | 33698401 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report was not provided |  |  |  | Reviewer Comment (2023-01-12): Guidelines were not provided for this review and have not been utilized.<br>Seller Comment (2023-01-12): Please clear, Fraud report not required for this loan. This is a refinance, prior loan serviced by Mr Cooper, FICO over [redacted], and DTI under [redacted]%. |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619772 | XX | XX | XX | 33698402 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619772 | XX | XX | XX | 33698403 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Counseling Requirement) | [redacted]High-Cost Loan: No evidence that borrower received counseling on the advisability of the loan transaction. |  |  |  |  | Reviewer Comment (2022-11-14): Scratch and Dent reason [Redacted] |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Rate/Term | See any available cure under the Georgia High Cost Loan threshold exception. | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619772 | XX | XX | XX | 33698404 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Georgia High-Cost Loan (Fair Lending Notice Not on Note and/or Security Instrument) | [redacted]High-Cost Loan: Required GFLA Notice is not displayed on all documents that create a debt or pledge property as collateral. |  |  |  |  | Reviewer Comment (2022-11-14): Scratch and Dent reason [Redacted] |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Rate/Term | See any available cure under the Georgia High Cost Loan threshold exception. | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619772 | XX | XX | XX | 33698405 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Georgia High-Cost Loan (Points and Fees) | [redacted]Fair Lending Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted]or [redacted]%). Non-Compliant High-Cost Loans. |  |  |  |  | Reviewer Comment (2022-11-14): Scratch and Dent reason [Redacted] |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Rate/Term | Within 90 days of loan closing and prior to receiving notice from the borrower: (a) offer restitution and make appropriate adjustments; or (b) to correct failure related to financing of insurance, make appropriate restitution by returning premiums paid plus interest charged on the premiums upon receipt of the notice of compliance failure.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Temporary SHQM (GSE/Agency Eligible) | Non QM | Yes |
| 223619772 | XX | XX | XX | 33698407 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Ineligible - NSM Repurchase ; Freddie Mac Repurchase - High Cost Loan.<br> Here are the details of our calculation: Benchmark Date used: [redacted] (Benchmark Date is ten business days before the Transaction Date) Benchmark Instrument: [redacted] Benchmark Rate: [redacted]Beginning/Par Rate before discount: [redacted]% Par/Benchmark Difference: [redacted]% (The difference is greater than [redacted]%) |  |  |  | Reviewer Comment (2022-11-14): Disclosed defect<br>Reviewer Comment (2022-11-14): Moved comment status<br>Reviewer Comment (2022-10-20): Client has elected to waive. |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619772 | XX | XX | XX | 33698408 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Waterfall exception due to re-designation of Non-QM since loan is no longer agency salable |  |  |  | Reviewer Comment (2022-11-14): [Redacted] exception due to re-designation of Non-QM since loan is no longer agency salable |  |  |  | 2 A B |  | B A |  | GA | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Non QM | No |
| 223619773 | XX | XX |  | 33698409 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | File is missing a complete fraud report. |  |  |  | Reviewer Comment (2023-03-28): Fraud report provided, exception cleared. | 03/28/2023 |  |  | 1 C A | C | A C |  | PA | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| 223619773 | XX | XX |  | 33698410 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | ___ | Insurance verification is missing for [redacted][redacted]. Tax verification, Insurance verification, HOA verification & Mortgage Statement missing for [redacted]. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>The representative FICO score is above [redacted].<br>Borrower has verified disposable income of at least $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-19): Client elects to downgrade based on compensating factors.<br>Reviewer Comment (2023-04-19): The data tree provided is cut off and no mortgage PITIA break provided. Exception remains.<br>Reviewer Comment (2023-04-14): Insurance provided, missing mortgage statement for REO, [redacted].<br>Reviewer Comment (2023-04-14): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted]<br> EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification<br> HOA Verification, Insurance Verification, Statement, Tax Verification<br>Reviewer Comment (2023-04-12): REO, [redacted] ., property search reflects no HOA and taxes. Missing the HOI and mortgage statement. |  |  | 04/19/2023 | 2 C B | C | B C |  | PA | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| 223619773 | XX | XX |  | 33698411 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing insurance verification |  |  |  | Reviewer Comment (2023-04-14): HOI provided | 04/14/2023 |  |  | 1 C A | C | A C |  | PA | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| 223619773 | XX | XX |  | 33698412 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Verified stated defect. The loan is a cash out investment REO, and the borrower has not been on title for [redacted]months or more. Title reflects the borrower as the current vested but not listed on the title chain history. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has worked in the same position for more than [redacted]years.<br>The representative FICO score is above [redacted].<br>Borrower has verified disposable income of at least $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-17): Client elects to downgrade based on compensating factors. |  |  | 04/17/2023 | 2 D B | D | B D |  | PA | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| 223619773 | XX | XX |  | 33698413 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Scratch and Dent reason: Loan was delivered as cash-out, but did not qualify as such. Also rental income not supported. |  |  |  | Reviewer Comment (2023-03-24): Duplicate exception and it's being cleared. | 03/24/2023 |  |  | 1 C A | C | A C |  | PA | Investment | Refinance - Cash-out - Other | D B A | N/A | N/A | No |
| 223619774 | XX | XX |  | 33698414 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The loan file is missing a copy of the Tax Cert. The title in file reflects the annual taxes to be $[redacted]/ [redacted] Final closing disclosure reflects the monthly payment to be $[redacted].<br> . | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted]years. | Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. | Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2023-04-12): Client elects to down grade and waive using compensating factors.<br> Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Reviewer Comment (2023-04-10): Reviewed trailing documents; need tax millage calculation the lender used to come up with a monthly tax of $[redacted]or an annual tax of $[redacted]. Exception remains.<br>Reviewer Comment (2023-04-10): Seller's comment: See attached tax cert information from the service release back to [redacted] from [redacted] - loan is too new on our system to have tax cert back. |  |  | 04/12/2023 | 2 C B | C | B C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698415 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The loan file is missing a copy of the fraud report. |  |  |  | Reviewer Comment (2023-03-28): Fraud report provided. Exception cleared. | 03/28/2023 |  |  | 1 C A | C | A C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698416 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | The loan file is missing evidence to support the omission of collection in the amount of $[redacted]as required by [redacted]. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years. | Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2023-04-06): Client elects to down grade and waive using compensating factors.<br> Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. |  |  | 04/06/2023 | 2 B | B | B |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698418 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Qualified Mortgage Originator Loan Designation of Safe Harbor QM fails for DTI variance. Verified stated defect. |  |  |  | Reviewer Comment (2023-04-03): Exception cleared, due to waiving the outstanding DTI exception.<br>Reviewer Comment (2023-03-28): No documents provided to clear/cure the DTI defect issue. | 04/03/2023 |  |  | 1 B A C | B | A C B |  | NV | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619774 | XX | XX |  | 33698419 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Verified stated defect. Borrower's Lease is contradictory of monthly payment amount. Lease states borrower pays $[redacted]annually which totals $[redacted]per month. however, it states payable as follows $[redacted]is due a month the first of each month. Audit value using $[redacted]monthly (most conservative) as the qualifying payment. Loan file does not contain VOR or documentation to support borrower monthly rent as $[redacted]monthly. DTI is [redacted]%. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has worked in the same position for more than [redacted]years. | Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2023-04-03): Client elects to down grade and waive using compensating factors.<br> Original LTV is [redacted]. <br> The borrower has worked [redacted] years in their field of work.<br>Reviewer Comment (2023-03-28): No documents provided to clear/cure the DTI defect issue. |  |  | 04/03/2023 | 2 C B | C | B C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698420 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Verified stated defect. Borrower's Lease is contradictory of monthly payment amount. Lease states borrower pays $[redacted]annually which totals $[redacted]per month. however, it states payable as follows $[redacted]is due a month the first of each month. Audit value using $[redacted]monthly (most conservative) as the qualifying payment. Loan file does not contain VOR or documentation to support borrower monthly rent as $[redacted]monthly. DTI is [redacted]%. | Borrower has worked in the same position for more than [redacted]years.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%. | Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2023-04-03): Client elects to down grade and waive using compensating factors.<br> Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Reviewer Comment (2023-03-28): No documents provided to clear/cure the DTI defect issue. |  |  | 04/03/2023 | 2 C B | C | B C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698421 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is not agency salable. Appraisal and secondary valuation are required.; Sec ID: [redacted] |  | Verified stated defect. The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-03-28): [redacted] provided, exception cleared. | 03/28/2023 |  |  | 1 D A | D | A D |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698422 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Verified stated defect. Based on the loan failing one or more guideline components, the loan is at QM risk due to the DTI issue. |  |  |  | Reviewer Comment (2023-04-03): Exception cleared, due to waiving outstanding DTI exception.<br>Reviewer Comment (2023-03-28): No documents provided to clear/cure the DTI defect issue. | 04/03/2023 |  |  | 1 C A | C | A C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698423 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verified stated defect with missing verification of rent for the primary residence, [redacted]., to confirm no lates within the last [redacted]months and to confirm the current rent amount. Expired lease in file states the rental amount is for $[redacted]and $[redacted]was used. Provide renewed lease to confirm a $[redacted]monthly lease amount; otherwise, the DTI goes up to [redacted]%, which does not match LP/Freddie Mac. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years. | Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work.<br>Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2023-04-06): Client elects to down grade and waive using compensating factors.<br> Original LTV is [redacted]. <br> The borrower has worked [redacted]years in their field of work. |  |  | 04/06/2023 | 2 C B | C | B C |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698424 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Verified stated defect. Automated Collateral Evaluation (ACE) requirements were not met. No appraisal was obtained. Freddie Mac is unable to determine that the subject property was acceptable collateral. The valuations provided are appraisal waiver, BPO and [redacted]/exterior appraisal. The loan was approved with an appraisal waiver, and the [redacted]and BPO are dated post-closing. |  |  |  |  |  |  |  | 3 D | D | D |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698425 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is not agency salable. Secondary valuation is in file. Missing primary valuation (URAR or Interior Hybrid). Sec ID: [redacted] |  | The valuations provided are appraisal waiver, BPO and [redacted]/exterior appraisal. The loan was approved with an appraisal waiver, and the [redacted]and BPO are dated post-closing. |  |  |  | Reviewer Comment (2023-09-07): BPO and Drive by are in file. Exception cleared.<br>Reviewer Comment (2023-04-04): The appraisal exception is valid. The loan was approved with an appraisal waiver, and the [redacted] and BPO are dated post-closing. | 09/07/2023 |  |  | 1 A |  | A |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619774 | XX | XX |  | 33698426 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: [redacted] | Lien Position: ___ |  |  |  |  | Reviewer Comment (2023-09-07): BPO and Drive by are in file. Exception cleared. | 09/07/2023 |  |  | 1 A |  | A |  | NV | Second Home | Refinance - Cash-out - Other | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619777 | XX | XX |  | 33698427 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: Investor Guidelines not met - The credit report is showing that the borrowers mortgage is in forbearance/deferred payments. This was cleared prior to closing however, loan has been reviewed and determined to be ineligible for [redacted] to purchase due to the following: loan does not comply with [redacted] guidelines regarding mortgage forbearance and/or mortgage modification. |  |  |  | Reviewer Comment (2022-03-28): S&D loan.<br>Seller Comment (2022-03-25): Waterdall down to [redacted]- reason for selling the loan - |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698428 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard insurance document is not in the loan file. |  |  |  | Reviewer Comment (2022-03-28): Rec'd insurance.<br>Seller Comment (2022-03-28): HOI Tobin<br>Seller Comment (2022-03-28): Please see Home Owners Policy attached. Thank you!<br>Reviewer Comment (2022-03-28): Evidence of sufficient hazard insurance is required. Exception remains.<br>Seller Comment (2022-03-25): Escrow waiver -[redacted] lien<br>Seller Comment (2022-03-25): [redacted] lien- Escrow waiver attached. | 03/28/2022 |  |  | 1 C A | C | A C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | Missing guidelines used to underwrite the loan. |  |  |  | Reviewer Comment (2022-03-28): Rec'd guidelines<br>Seller Comment (2022-03-25): Guidelines<br>Seller Comment (2022-03-25): Guidelines attached. | 03/28/2022 |  |  | 1 C A | C | A C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted] Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Missing guidelines used to underwrite the loan. |  |  |  | Reviewer Comment (2022-03-28): Rec'd guidelines<br>Seller Comment (2022-03-25): Guidelines -<br>Seller Comment (2022-03-25): Please see guidelines upload | 03/28/2022 |  |  | 1 C A | C | A C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698432 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Reason not provided on document. |  |  |  | Reviewer Comment (2022-04-01): [Redacted] received a corrected CD and LOE.<br>Seller Comment (2022-03-31): PCCD and LOE<br>Seller Comment (2022-03-31): Please see PCCD and LOE attached<br>Reviewer Comment (2022-03-30): [Redacted] received CD however a reason for not having an escrow account on page [redacted]is not completed and the CD also must be post dated close with a LOE to cure.<br>Seller Comment (2022-03-28): Please see attached 1st final CD that includes Escrows- In section L- you will see Proceeds from [redacted] HELOC amount applied.<br>Seller Comment (2022-03-28): Please see final CD attached/uploaded.<br>Reviewer Comment (2022-03-28): [Redacted] upon further review required Post CD with will not have an escrow account box to be checked either with you declined it or your lender does not offer one box to be checked along with LOX in order to clear the exception.<br>Seller Comment (2022-03-25): Escrow waiver<br>Seller Comment (2022-03-25): Escrow waiver attached- [redacted]lien |  | 04/01/2022 |  | 2 C B | C | B C |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619777 | XX | XX |  | 33698433 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. |  |  |  | Reviewer Comment (2022-03-25): Sufficient Cure Provided At Closing |  | 03/25/2022 |  | 1 A | A | A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223619777 | XX | XX |  | 33698435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2022-04-01): Rec'd Future Employment / Future Income guidelines.<br>Seller Comment (2022-03-30): Compliance Report<br>Seller Comment (2022-03-30): Please see attached [redacted] lien compliance report - This is a [redacted] lien so it doesn't need to be ran for ATR/QM findings | 04/01/2022 |  |  | 1 B A C | B | A C B |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619777 | XX | XX |  | 33698436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted]of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted].) |  |  |  |  | Reviewer Comment (2022-04-01): Rec'd Future Employment / Future Income guidelines.<br>Seller Comment (2022-03-31): Documents<br>Seller Comment (2022-03-31): Please see docs attached.<br>Seller Comment (2022-03-30): Please see attachment/upload-compliance report from [redacted].<br>Reviewer Comment (2022-03-28): The lender used future earnings to qualify; the co-borrower had not started the new position prior to closing. Review used current earnings. | 04/01/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698437 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The lender used future earnings to qualify; the borrower had not started the new position prior to closing. Review used current earnings. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years. | More than [redacted] years of employment<br>Same profession greater than [redacted]years | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-04-21): Client accepts the DTI<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-05): DTI of [redacted]% exceeds guideline maximum of [redacted]%. For buyer's review.<br>Reviewer Comment (2022-04-05): Exception Explanation Updated from: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>Seller Comment (2022-04-05): [redacted] loan approval<br>Seller Comment (2022-04-05): [redacted] loan approval<br>Reviewer Comment (2022-04-04): Rec'd AUS for first lien. The subject is a [redacted]mortgage and income/debts match the [redacted]in file dated[redacted] that reflects a DTI of [redacted]%. Exception remains.<br>Seller Comment (2022-04-01): AUS approval w/DTI- 1st including 2nd.<br>Reviewer Comment (2022-04-01): Updated DTI based on future earnings. DTI of [redacted]% exceeds maximum [redacted]%.<br>Reviewer Comment (2022-03-30): The $[redacted] earnings used to qualify are based upon co-borrower's new job with a start date of [redacted]. The loan closed [redacted]. Used current earnings to qualify, resulting in a DTI of [redacted]%.<br>Seller Comment (2022-03-29): Per final Loan Application - CO-[redacted]- Susanna Tobin income is $[redacted]a month<br>Reviewer Comment (2022-03-28): PITIA Subject: $[redacted]<br> REO $[redacted]<br> Credit Debt $[redacted]<br> Divided by total current income of $[redacted]= [redacted]%<br> (Income: Borrower $[redacted], co-borrower $[redacted])<br>Seller Comment (2022-03-28): Can you please advise how you are calculating the DTI calculation on your end? Thank you! |  |  | 04/21/2022 | 2 B |  | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted]or more guideline components, the loan is at ATR risk. | Due to DTI |  |  |  | Reviewer Comment (2022-04-21): Client waived DTI<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-07): For buyer's review<br>Seller Comment (2022-04-06): Please send to buyer for review.<br>Reviewer Comment (2022-04-05): DTI of [redacted]% exceeds guideline maximum of [redacted]%. For buyer's review.<br>Seller Comment (2022-04-05): please see upload/attached<br>Reviewer Comment (2022-04-04): Rec'd AUS for first lien. The subject is a [redacted]nd mortgage and income/debts match the [redacted]in file dated [redacted] that reflects a DTI of [redacted]%. Exception remains.<br>Seller Comment (2022-04-01): AUS approval with DTI<br>Reviewer Comment (2022-04-01): [redacted]% DTI exceeds guideline max of [redacted]%.<br>Seller Comment (2022-03-31): Guidelines | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698439 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Per Option [redacted]guidelines, [redacted]months of reserves are required. |  |  |  | Reviewer Comment (2022-04-04): Per guidelines, follow AUS for closing / reserves funds. No reserves required per AUS.<br>Seller Comment (2022-04-01): AUS findings<br>Seller Comment (2022-04-01): AUS findings - clarification [redacted]months reserves requested | 04/04/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698440 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): received<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): Please see VOE attached/uploaded.<br>Seller Comment (2022-04-01): VOE<br>Seller Comment (2022-04-01): Please see attached VOE. | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698441 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): Received<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): VOE attached. | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): Cleared based on receipt of WVOE and VVOE<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): Compliance Report<br>Seller Comment (2022-04-01): Compliance Report/ATR risk | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223619777 | XX | XX |  | 33698443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted]employment status using reasonably reliable third-party records. | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): Received VOE<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Seller Comment (2022-04-15): Per guideline, a formal approval is per FIMC policy only if option [redacted] was used. In this case option [redacted]was used and all requirements of option [redacted] are met.<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): [redacted] | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verity income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): Cleared based on receipt of WVOE and VVOE<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Seller Comment (2022-04-15): Per guideline, a formal exception is required per FIMC policy only if option [redacted]was used. In this case option [redacted]was used and all requirements for option [redacted] were met.<br>Reviewer Comment (2022-04-15): For client's review.<br>Seller Comment (2022-04-14): VOE attached<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): W2-paystubs income worksheet | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698445 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]: The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Missing formal exception required for Future Employment / Future Income. | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted]. | More than [redacted] years of employment<br>Same profession greater than [redacted]years<br>More than #[redacted]K in disposable income | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2022-04-21): Client approves and waives and downgrades<br>Reviewer Comment (2022-04-21): to review<br>Reviewer Comment (2022-04-19): Move to unable to clear per client email<br>Reviewer Comment (2022-04-15): For client's review.<br>Seller Comment (2022-04-14): Attached.<br>Reviewer Comment (2022-04-05): Loan was approved using co-borrower's future income, VOE not provided. For buyer's review.<br>Seller Comment (2022-04-05): No further action on seller part, please assign to buyer. Thank you<br>Reviewer Comment (2022-04-04): Per Future Employment, Future Income guidelines provided by lender, a formal exception is required. Exception remains.<br>Seller Comment (2022-04-01): Please see AUS final and findings uploaded. Please see DTI. |  |  | 04/21/2022 | 2 B |  | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619777 | XX | XX |  | 33698446 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Missing formal exception required for Future Employment / Future Income. |  |  |  | Reviewer Comment (2022-04-21): Cleared based on receipt of WVOE and VVOE | 04/21/2022 |  |  | 1 A |  | A |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619778 | XX | XX |  | 33698447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing AUS or guidelines to which the loan was underwritten. |  |  |  | Reviewer Comment (2022-07-06): Loan is ATR Fail due to no inome or asset verification, as it is no longer agency salable.<br>Seller Comment (2022-07-05): We use the Streamline Refinance guidelines in the FHA [redacted] HUD Handbook for the guidelines directly from FHA's site, https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh<br>Reviewer Comment (2022-06-30): NRZ/Caliber please provide guidelines<br>Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 B C | B | B C |  | NJ | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status D C | Non QM | ATR Fail | Yes |
| 223619778 | XX | XX |  | 33698449 |  | Credit | Guideline | Guideline Issue | Guideline | FHA Streamline - Unable to verify occupancy due to missing utility bill. |  |  |  |  |  | Reviewer Comment (2022-06-15): received<br>Seller Comment (2022-06-14): Please see attached Utility Bill. | 06/15/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698450 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2022-07-11): received post inspection report | 07/11/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698451 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  | Reviewer Comment (2022-06-06): Uninsurable S&D loan |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698452 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  |  |  |  |  | Reviewer Comment (2022-07-01): received Notary identification statement<br>Seller Comment (2022-06-30): Identification Verification | 07/01/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698453 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 D | D | D |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698454 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2022-06-06): S&D Loan. No secondary valuation provided. |  |  |  | 3 D | D | D |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698455 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-[redacted]form was used, the H-[redacted]form should have been used. |  |  |  |  | Reviewer Comment (2022-07-18): Received LOE, RTC, and tracking<br>Reviewer Comment (2022-07-05): Received updated RCE, LOE and mailing label to borrower. Exception to be updated following verification of delivery (label currently shows as "created") and following expiration date of[redacted] per RCE form.<br>Seller Comment (2022-07-05): RTC |  | 07/18/2022 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Streamlined | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | ATR Fail | Yes |
| 223619778 | XX | XX |  | 33698458 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2022-06-23): Rec'd guideline information.<br>Seller Comment (2022-06-22): This is not an assumption. We use the Streamline Refinance guidelines in the FHA [redacted]HUD Handbook for the guidelines directly from FHA's site, https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh<br>Reviewer Comment (2022-06-22): Please provide guidelines used to underwrite the loan. An assumption of which guidelines were used cannot be made.<br>Seller Comment (2022-06-22): Loan was underwritten to FHA Streamline Refinance guidelines | 06/23/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698459 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698461 |  | Credit | Guideline | Guideline Issue | Guideline | FHA Streamline - Missing copy of the Note on the Prior Loan |  |  |  |  |  | Reviewer Comment (2022-06-15): received<br>Seller Comment (2022-06-14): Please see attached Prior Note. | 06/15/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698462 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: Uninsurable FHA loan. Bor was in FB and still DQ so can not be insured. |  |  |  | Reviewer Comment (2022-06-06): S&D loan |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698463 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | $[redacted]shortfall. |  |  |  | Reviewer Comment (2022-07-05): Increased policy and RCE provided.<br>Seller Comment (2022-07-05): rce<br>Seller Comment (2022-07-05): HOI | 07/05/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698464 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698465 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698466 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted]employment status using reasonably reliable third-party records. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698467 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted]employment status using reasonably reliable third-party records. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698468 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verity income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698469 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank [redacted]): Unable to verity income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698470 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: , Occupancy: Primary, Purpose: Refinance, Streamlined | Not required for FHA Streamline, however, the loan is no longer agency saleable. |  |  |  | Reviewer Comment (2022-06-23): Rec'd guideline information. | 06/23/2022 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619778 | XX | XX |  | 33698471 |  | Credit | Guideline | Guideline Issue | Guideline | FHA Streamline - At least [redacted] months from Prior First Payment Due Date to Case Number Assignment Date must have passed to be eligible. | Prior First Payment Due Date: ___; Case Number Assignment Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | NJ | Primary | Refinance - Streamlined | D C | Non QM | ATR Fail | No |
| 223619779 | XX | XX |  | 33698472 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2023-04-11): Received PDI<br>Reviewer Comment (2023-04-11): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [redacted]<br> Disaster End Date:[redacted]<br> Disaster Name: SEVERE WINTER STORMS<br> Disaster Declaration Date: [redacted]<br>Seller Comment (2023-04-10): FEMA Inspection | 04/11/2023 |  |  | 1 C A | C | A C |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223619779 | XX | XX |  | 33698473 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | There is no evidence in loan file showing collection being paid per [redacted]any accounts with a balance of $[redacted]must be paid before or at closing. |  |  |  | Reviewer Comment (2023-04-11): Credit exception approval by lender provided based on [redacted] Score, [redacted]% DTI... Move to buyer's queue to review for downgrade and waiver<br>Seller Comment (2023-04-07): CRSE<br>Seller Comment (2023-04-07): medical collection |  |  |  | 2 B | B | B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223619779 | XX | XX |  | 33698474 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: Collateral unacceptable due to inadequate comparable adjustments, use of physically dissimilar comparable sales(s) - gross living area |  |  |  | Reviewer Comment (2023-04-11): S&D<br>Seller Comment (2023-04-10): Seller requests buyer review: unable to clear |  |  |  | 2 B | B | B |  | TX | Investment | Purchase | C B A | N/A | N/A | No |
| 223619780 | XX | XX |  | 33698476 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-05-02): Received CDA in trailing documents.<br>Reviewer Comment (2023-05-02): Received CDA<br>Reviewer Comment (2023-04-12): S&D with no secondary<br>Seller Comment (2023-04-12): Secondary valuation not available. Please assign to buyer. | 05/02/2023 |  |  | 1 D A | D | A D |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698477 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]- [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Original Loan Amount. Points and Fees total $[redacted]on a Original Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). |  |  |  |  | Reviewer Comment (2023-04-12): Buyer to review<br>Seller Comment (2023-04-12): [redacted]. Please assign to buyer. |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 223619780 | XX | XX |  | 33698479 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2023-04-12): Buyer to review per seller as EV[redacted]<br>Seller Comment (2023-04-12): [redacted]. Please assign to buyer. |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year [redacted]Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on [redacted] not accurate. | Appraisal does not indicate it is located in a PUD nor was Supporting documentation provided for HOA dues but loan was qualified with HOA by the Lender. |  |  |  | Reviewer Comment (2023-04-12): Move to buyer as EV[redacted] per seller<br>Seller Comment (2023-04-12): [redacted]. Please assign to buyer. |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619780 | XX | XX |  | 33698481 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  | General Services Administration not provided. |  |  |  | Reviewer Comment (2023-04-12): Received in trailing documents.<br>Seller Comment (2023-04-12): attached. | 04/12/2023 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698482 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation (LDP) not provided |  | LDP not Provided. |  |  |  | Reviewer Comment (2023-04-12): HUD LDP provided as part of FraudGuard<br>Seller Comment (2023-04-12): attached. | 04/12/2023 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698483 |  | Credit | Document Error | General | Document Error | VA - Lender Loan Quality Certification was not provided. |  | Lender Loan Quality Certification was not provided. |  |  |  | Reviewer Comment (2023-04-12): Received in trailing documents.<br>Seller Comment (2023-04-12): attached. | 04/12/2023 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698484 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Loan Guaranty Certificate is missing. |  | Loan Guaranty Certificate is missing. |  |  |  | Reviewer Comment (2023-04-24): received the LGC<br>Seller Comment (2023-04-19): See attached.<br>Reviewer Comment (2023-04-18): VA Form [redacted]<br>Seller Comment (2023-04-17): COE is used for Loan Guaranty Benefits. What VA Form Number are you looking for?<br>Reviewer Comment (2023-04-12): Received Certificate of Eligibility. Missing Loan Guaranty Certificate.<br>Seller Comment (2023-04-12): attached. | 04/24/2023 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619780 | XX | XX |  | 33698487 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Loan: Unable to sell the loan to the investor due to not meeting the seasoning requirement. Mavent Fail due to [redacted]days seasoning requirement not met on a [redacted]Loan. Loan file is also missing the document [redacted] |  |  |  | Reviewer Comment (2023-04-11): S&D |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619781 | XX | XX | XX | 33698489 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 D A | D | N/A D |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619781 | XX | XX | XX | 33698490 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Document missing in file to verify [redacted]mortgage payment proof for Pennymac Loan Services #[redacted]. |  |  |  | Reviewer Comment (2023-08-09): Received in trailing documents.<br>Seller Comment (2023-08-08): Please see attached | 08/09/2023 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619781 | XX | XX | XX | 33698492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted]Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted]of on Final Closing Disclosure provided on [redacted] are underdisclosed |  |  |  |  | Reviewer Comment (2023-08-08): [Redacted] received post CD and LOX.<br>Seller Comment (2023-08-07): pcd | 08/08/2023 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619781 | XX | XX | XX | 33698493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. | Loan is second lien and escrow account is not required. |  |  |  | Reviewer Comment (2023-08-09): Cured prior to discovery.<br>Seller Comment (2023-08-07): pcd |  | 08/09/2023 |  | 2 C B | C | B C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619781 | XX | XX | XX | 33698494 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]did not disclose Estimated Property Costs over Year [redacted]for loan with no escrow account established. | Final Closing Disclosure did not quote any taxes or insurance for the property |  |  |  | Reviewer Comment (2023-08-08): [Redacted] received post CD and LOX.<br>Seller Comment (2023-08-07): pcd | 08/08/2023 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619781 | XX | XX | XX | 33698495 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure did not quote any taxes or insurance for the property |  |  |  | Reviewer Comment (2023-08-08): [Redacted] received post CD and LOX.<br>Reviewer Comment (2023-08-07): Received O&E Report. Missing Preliminary or Final Title policy.<br>Seller Comment (2023-08-07): pcd | 08/08/2023 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619781 | XX | XX | XX | 33698496 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-08-28): Received O&E Report. Sufficient for stand-alone secondary liens.<br>Seller Comment (2023-08-23): Title response<br>Reviewer Comment (2023-08-14): No title provided<br>Seller Comment (2023-08-11): Since this is a Closed End Second, property report and the title certificate were provided<br>Reviewer Comment (2023-08-09): Received O&E Report. Missing Title Report.<br>Seller Comment (2023-08-07): title | 08/28/2023 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619781 | XX | XX | XX | 33698497 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: EPD. [redacted]payment made [redacted]. Loan is a [redacted]lien. |  |  |  | Reviewer Comment (2023-08-02): Reason for S&D. |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698499 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Missing senior lien document. |  |  |  | Reviewer Comment (2023-09-12): received mortgage statement not same as senior lien note<br>Seller Comment (2023-09-11): Please see attached<br>Reviewer Comment (2023-08-28): Copy of Note for senior lien not provided.<br>Seller Comment (2023-08-25): Please see attached<br>Reviewer Comment (2023-08-24): Senior lien not provided.<br>Seller Comment (2023-08-24): Please see attached |  |  |  | 3 D | D | D |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698500 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-08-28): Received origination appraisal in trailing documents. Data and testing updated. | 08/28/2023 |  |  | 1 D A | D | A D |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698501 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2023-08-25): Received PDI no damage<br>Seller Comment (2023-08-24): Please see attached | 08/25/2023 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698502 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2023-08-28): Received origination appraisal in trailing documents. Data and testing updated.<br>Seller Comment (2023-08-25): Appraisal attached<br>Reviewer Comment (2023-08-24): Appraisal not provided.<br>Seller Comment (2023-08-24): Please see attached | 08/28/2023 |  |  | 1 D A | D | A D |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698503 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  |  | Reviewer Comment (2023-08-28): Received origination appraisal in trailing documents. Data and testing updated.<br>Seller Comment (2023-08-25): Please see attached appraisal<br>Reviewer Comment (2023-08-24): Appraisal not provided.<br>Seller Comment (2023-08-24): Please see attached | 08/28/2023 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698504 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2023-08-28): Received origination appraisal in trailing documents. Data and testing updated.<br>Seller Comment (2023-08-25): Please see attached appraisal<br>Reviewer Comment (2023-08-24): Appraisal not provided. TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.<br>Seller Comment (2023-08-24): Loan is Rebuttable Presumption. Uploaded is the Mavent Report<br>Seller Comment (2023-08-24): Loan is Rebuttable Presumption. Please see Compliance Report | 08/28/2023 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698505 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698506 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2023-08-28): Received origination appraisal in trailing documents. Data and testing updated.<br>Seller Comment (2023-08-25): Appraisal uploaded<br>Reviewer Comment (2023-08-24): Appraisal not provided. TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied.<br>Seller Comment (2023-08-24): Appraisal uploaded | 08/28/2023 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698507 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Owners Coverage Premium (Optional). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2023-08-03): Sufficient Cure Provided within [redacted]Days of Closing |  | 08/03/2023 |  | 1 A | A | A |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | Non QM | Non QM | Yes |
| 223619782 | XX | XX | XX | 33698508 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D - Excessive DTI. Income for [redacted]not likely to continue. Removal of her income leads to a revised DTI of [redacted]%. Loan is a [redacted]lien. |  |  |  | Reviewer Comment (2023-08-04): Reason for S&D. |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619782 | XX | XX | XX | 33698510 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Added following receipt of primary valuation in trailing documents. |  |  |  |  |  |  |  | 2 D A |  | N/A D |  | WA | Primary | Refinance - Cash-out - Debt Consolidation | D C B | Non QM | Non QM | No |
| 223619783 | XX | XX | XX | 33698513 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid [redacted]for this fee, nor evidence of cure in file. A copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2023-10-06): Sufficient Cure Provided At Closing |  | 10/06/2023 |  | 1 A | A | A |  | OR | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223619783 | XX | XX | XX | 33698514 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The HOI policy provided has an effective date of[redacted]. A policy with an effective date prior to the closing date of is required. |  |  |  | Reviewer Comment (2023-10-20): The HOI policy provided has an effective date of [redacted]. A policy with an effective date prior to the subject closing date of [redacted] is required. |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619783 | XX | XX | XX | 33698515 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason Provided: Loan submitted with[redacted]mo income associated with borrower's employment position as co-host of a morning radio show, post closing verifications indicate borrower's morning show ended on [redacted], prior to the note date. A press release was also located form the former employer stating borrower is exiting the radio business to concentrate full time on real estate career. Income submitted to FHLMC is not an acceptable source of qualifying income. Borrower is delinquent as of [redacted] |  |  |  | Reviewer Comment (2023-10-20): This is a know defect of this loan.<br>Reviewer Comment (2023-10-09): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619784 | XX | XX |  | 33698516 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2023-11-07): Updated policy received in trailing documents.<br>Seller Comment (2023-11-06): Comment from Tina Bilby ([redacted]): see attached | 11/07/2023 |  |  | 1 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223619784 | XX | XX |  | 33698518 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Reviewer Comment (2023-11-07): Received Initial [redacted]in trailing documents.<br>Seller Comment (2023-11-06): Comment from Tina Bilby ([redacted]): see attached | 11/07/2023 |  |  | 1 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223619784 | XX | XX |  | 33698519 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  | Reviewer Comment (2023-11-07): Received Initial [redacted]in trailing documents.<br>Seller Comment (2023-11-06): Comment from [redacted] ([redacted]): see attached | 11/07/2023 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223619784 | XX | XX |  | 33698521 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  | Reviewer Comment (2023-11-07): Received Initial [redacted]in trailing documents.<br>Seller Comment (2023-11-06): Comment from Tina Bilby ([redacted]): see attached | 11/07/2023 |  |  | 1 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223619784 | XX | XX |  | 33698523 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [redacted]Constitution Section [redacted]: Unable to test refinance within ([redacted]) month period due to missing documentation. |  |  |  |  | Reviewer Comment (2023-11-08): received commitment title<br>Seller Comment (2023-11-08): Comment from Tina Bilby ([redacted]): Prop f/c | 11/08/2023 |  |  | 1 B A | B | A B |  | TX | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 223619784 | XX | XX |  | 33698524 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [redacted]Constitution Section [redacted]: Previous loan refinanced within ([redacted]) month period of consummation | Prior loan is for a tax lien agreement against the property dated[redacted] per schedule C[redacted] of title commitment |  |  |  | Reviewer Comment (2023-11-14): Last Transaction Date updated to [redacted] as shown in the Property History Report. Tax Lien Date not to be used for [redacted] a [redacted] purposes.<br>Seller Comment (2023-11-10): Comment from [redacted] ([redacted]): The attorney that closed the loan is requesting explaination why the transfer of lien and loan to pay off the tax lien is being considered a [redacted] home equity loan subject to Article [redacted]§[redacted](a)([redacted]) of the [redacted] Constitution.<br>Seller Comment (2023-11-10): Comment from Tina Bilby ([redacted]): Please see letter from attorney and explain why the transfer of lien and loan to pay off the tax lien is being considered a [redacted] home equity loan subject to Article [redacted]§[redacted](a)([redacted]) of the [redacted] Constitution. | 11/14/2023 |  |  | 1 A |  | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A B | Non QM | Non QM | Yes |
| 223619785 | XX | XX | XX | 33698525 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Declarations are incomplete: D. [redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698526 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Declarations are incomplete: D. [redacted]. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698528 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [redacted]Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698529 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Copy of fraud report is missing in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698530 |  | Credit | Disclosure | Missing Document | Disclosure | FHA Lender Certification (Condo Financing) is missing. |  | FHA Lender Certification (Condo Financing) is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698531 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign consent evidence not in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698532 |  | Credit | Disclosure | Missing Document | Disclosure | FHA Connection Condominiums List is missing. |  | FHA Connection Condominiums List is missing in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698533 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within [redacted]business days of the loan application. |  | FHA - Informed Consumer Choice Disclosure not provided to borrower within [redacted]business days of the loan application. |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698534 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application [redacted]-A was not provided within [redacted] days of the application date. |  | FHA - Initial HUD Addendum to the Loan Application [redacted]-A was not provided within [redacted] days of the application date. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698536 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer ([redacted]-B) was not provided within [redacted] days of the application date. |  | FHA - Important Notice to Homebuyer ([redacted]-B) was not provided within [redacted]days of the application date. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698537 |  | Credit | Disclosure | Missing Document | Disclosure | CAIVRS Authorization is missing. |  | CAIVRS Authorization is missing in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698538 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is not available in the file. |  |  |  |  |  |  |  | 3 D | D | D |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698539 |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698540 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new [redacted] Legal Documents. |  | Loan is not using Version [redacted] [redacted] Legal Document |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698541 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  | General Services Administration is not in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698542 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation (LDP) not provided |  | Limited Denials of Participation is not in the file |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698543 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure provided was the final, it was issued on same day as closing. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | No Defined Cure A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on[redacted]Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619785 | XX | XX | XX | 33698545 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on[redacted]Closing Disclosure with no valid change evident. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619785 | XX | XX | XX | 33698546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | No Income Provided | Qualified Mortgage (Dodd-Frank [redacted]): No income was provided to demonstrate compliance with Appendix Q requirements. |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698549 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698551 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Do Not Address [redacted]ATR Factors | Ability to Repay (Dodd-Frank [redacted]): Guidelines provided do not address all [redacted]factors of ATR. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698553 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD [redacted] QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 B C | B | B C |  | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D C | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619785 | XX | XX | XX | 33698554 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. | Waterfall due to missing credit report |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698555 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank [redacted]): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698556 |  | Credit | Asset | Document Error | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619785 | XX | XX | XX | 33698557 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA Conditional Commitment DE Statement of Appraised Value ([redacted]) is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Rate/Term | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619786 | XX | XX | XX | 33698558 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report document is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698559 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  | [redacted] search document is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698560 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation ([redacted]) not provided |  | Limited Denials of Participation document is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698561 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698562 |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698563 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | [redacted]Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Tangible Net Benefit Worksheet not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Insurance Premium fee was disclosed as $[redacted]on initial Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Streamlined | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619786 | XX | XX | XX | 33698565 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage insurance premium fee increased to [redacted]without valid change evident or cure not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Streamlined | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619786 | XX | XX | XX | 33698566 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Recentv years [redacted]-C document is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619786 | XX | XX | XX | 33698568 |  | Credit | Guideline | Guideline Issue | Guideline | FHA Streamline - Missing copy of the Note on the Prior Loan |  | Prior mortgage Note document is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | OH | Primary | Refinance - Streamlined | C B A | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619787 | XX | XX |  | 33698569 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment dated within [redacted]business days prior to the note date as required by the [redacted]is missing. |  |  |  | Seller Comment (2023-10-27): as borrower worked for the county, they did not require a VOE - they were able to determine online he worked where he said he did. Can this be used to clear the issue? Alternatively, can they pull a VOE today that shows the borrower was employed at the time of origination to downgrade this exception?<br>Reviewer Comment (2023-10-18): Client acknowledges VVOE is missing. Refer to Buyer.<br>Seller Comment (2023-10-18): VOE missing |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698570 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Verification of employment dated within [redacted]business days prior to the note date as required by the [redacted]is missing. |  |  |  | Seller Comment (2023-10-27): as borrower worked for the county, they did not require a VOE - they were able to determine online he worked where he said he did. Can this be used to clear the issue? Alternatively, can they pull a VOE today that shows the borrower was employed at the time of origination to downgrade this exception?<br>Reviewer Comment (2023-10-18): Client acknowledges VVOE is missing. Refer to Buyer.<br>Seller Comment (2023-10-18): VOE missing |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698571 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. |  | Verification of employment dated within [redacted]business days prior to the note date as required by the [redacted]is missing. |  |  |  | Seller Comment (2023-10-27): as borrower worked for the county, they did not require a VOE - they were able to determine online he worked where he said he did. Can this be used to clear the issue? Alternatively, can they pull a VOE today that shows the borrower was employed at the time of origination to downgrade this exception?<br>Reviewer Comment (2023-10-18): Client acknowledges VVOE is missing. Refer to Buyer.<br>Seller Comment (2023-10-18): VOE missing |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation Test | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is ATR Fail. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698573 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification of employment dated within [redacted]business days prior to the note date as required by the [redacted]is missing. |  |  |  | Seller Comment (2023-10-18): VOE is missing but the ability to repay passed at origination |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698574 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank [redacted]): List of Homeownership Counseling Organizations was older than [redacted]days when provided to borrower. |  |  |  |  | Reviewer Comment (2023-10-18): The disclosure was provided [redacted], but the list was last updated [redacted].<br>Seller Comment (2023-10-18): The list was provided by the borrower on [redacted] which is the same day as the initial application and [redacted] days before closing. |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698575 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-10-18): The exception status is cured.<br>Seller Comment (2023-10-18): Cure provided through a lender credit on the CD.<br>Reviewer Comment (2023-10-03): Sufficient Cure Provided At Closing |  | 10/03/2023 |  | 1 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | UTD | ATR Fail | Yes |
| 223619787 | XX | XX |  | 33698576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted]employment status using reasonably reliable third-party records. | Provided verification of employment is not acceptable as it does not reflect employment information. A verification of employment within [redacted]business days of Note is required. |  |  |  | Seller Comment (2023-10-27): as borrower worked for the county, they did not require a VOE - they were able to determine online he worked where he said he did. Can this be used to clear the issue? Alternatively, can they pull a VOE today that shows the borrower was employed at the time of origination to downgrade this exception?<br>Seller Comment (2023-10-18): VOE is missing |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Unable to verify receipt [redacted]days prior to closing for closing disclosure issued on [redacted]. |  |  |  | Reviewer Comment (2023-10-18): The disclosure was provided within three days of applciation date.<br>Seller Comment (2023-10-18): Proof provided that the CD was emailed on [redacted]. [redacted] day rule was met. | 10/18/2023 |  |  | 1 B A | B | A B |  | MD | Primary | Refinance - Cash-out - Other | No Defined Cure A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698579 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provided verification of employment is not acceptable as it does not reflect employment information. A verification of employment within [redacted]business days of Note is required. |  |  |  | Seller Comment (2023-10-18): Loan passed ATR at origination |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | UTD | ATR Fail | No |
| 223619787 | XX | XX |  | 33698580 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $$[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. Based on review courier fee $[redacted]fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable. |  |  |  | Reviewer Comment (2023-10-18): The threshold is $[redacted]for loans that are subject to rescission. Understanding the lender did not originate a loan in foreclosure, the exception is cited because in the event the borrower does end up in foreclosure, they can rescind the loan based on the under-disclosure. In the event they do rescind, the assignee would be required to refund all the fees paid on the loan including interest collected. Therefore the exception is warranted and carries a grade of [redacted]-C. PCCD, LOE, copy of refund check, reopening if rescission and proof of delivery is required to cure.<br>Seller Comment (2023-10-18): This is not an issue. Per the CFPB, (attached screenshot) the disclosed finance charge shall be treated as accurate if [redacted]) is understated by no more than $[redacted]or[redacted]) is greater than the amount required to be disclosed. This meets #[redacted]. |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | UTD | ATR Fail | Yes |
| 223619788 | XX | XX |  | 33698582 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file is missing [redacted]or more of the core documents required for a review. Please provide a complete loan package including subject a Note, Security Instrument, an initial [redacted], a final [redacted], an Approval or [redacted], income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's. |  |  |  | Reviewer Comment (2023-12-22): Sufficient documentation was provided. | 12/22/2023 |  |  | 1 D A | D | A D |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698583 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted]declared end date. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698584 |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698585 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | Missing verification of employment for second job income used to qualify. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was last disclosed as $[redacted]on [redacted]but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619788 | XX | XX |  | 33698587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid [redacted]for this fee, nor evidence of cure in file. Provide a post-close [redacted]disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619788 | XX | XX |  | 33698588 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment for second job income used to qualify. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698589 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-[redacted]employment status using reasonably reliable third-party records. | Missing verification of employment for [redacted]job income used to qualify. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698590 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification of employment for second job income used to qualify, causing loan to waterfall through QM/ATR testing. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. | The Originator Loan Designation is Temporary SHQM (GSE/Agency Eligible). However, the Due Diligence Loan Designation is ATR Fail due to the following issue(s): Missing verification of employment for second job income used to qualify, causing loan to waterfall through QM/ATR testing. |  |  |  |  |  |  |  | 3 B C | B | B C |  | CA | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM status D C | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619788 | XX | XX |  | 33698593 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing verification of employment for second job income used to qualify, causing loan to waterfall through QM/ATR testing. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619788 | XX | XX |  | 33698594 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification of employment for [redacted]job income used to qualify, causing loan to waterfall through QM/ATR testing. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Limited Cash-out GSE | D C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619789 | XX | XX |  | 33698595 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a complete loan package including subject a Note, an initial [redacted], a final [redacted], an Approval or [redacted], income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's. |  |  |  | Reviewer Comment (2023-12-22): Sufficient documentation was provided. | 12/22/2023 |  |  | 1 D A | D | A D |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698596 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The Final Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on the Final in file. |  |  |  | Reviewer Comment (2024-01-25): Exception has been cleared. Final Title Policy reflects correct amount. | 01/25/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698597 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Mortgage Insurance Certificate is not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698598 |  | Credit | Guideline | Guideline Issue | Guideline | The origination guidelines are not available. Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Deal settings indicate origination guidelines are not available for this review |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698599 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is not provided. |  |  |  | Reviewer Comment (2024-01-26): Exception has been cleared. FHA Transmittal Summary was provided. | 01/26/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | No Income Provided | Qualified Mortgage (Dodd-Frank [redacted]): No income was provided to demonstrate compliance with Appendix Q requirements. | No income was provided to demonstrate compliance with Appendix Q requirements. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to then default test to Appendix Q requirements. |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | Subject loan is not eligible to be insured or guaranteed by FHA. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to then fail HUD QM. |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698602 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | nable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to then default test to ATR DTI requirements. |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698603 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to then default test to ATR requirements. |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698605 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD [redacted] QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to fail ATR. |  |  |  | 3 B C | B | B C |  | MN | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status D C | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619789 | XX | XX |  | 33698606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. | Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. |  |  |  | Reviewer Comment (2024-01-25): The loan is a FHA Streamline Refinance, but a FHA required Mortgage Insurance Certificate to show mortgage to be paid off is already insured or a Refinance Authorization with a premium that matches the amount collected on the final CD is missing which makes the loan not insurable and caused the loan to then default test to QM DTI requirements. |  |  |  | 3 C | C | C |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698607 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | [redacted]Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. | Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Streamlined | D C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619789 | XX | XX |  | 33698608 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted]Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [redacted]of [redacted]on Final Closing Disclosure provided on [redacted] are underdisclosed. | The Mortgage Insurance cost over year one was disclosed as Non Escrowed Property costs. |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Streamlined | Letter of Explanation & Corrected Closing Disclosure A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619789 | XX | XX |  | 33698609 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Streamlined | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619790 | XX | XX |  | 33698610 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698611 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698612 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Loan Calculations data on Page [redacted]is blank. |  |  |  | Reviewer Comment (2023-08-22): The Security Instrument Notary date of [redacted] is the date used for closing calculations.The only CD provided prior to [redacted] is dated [redacted] and is incomplete. It appears this CD may have been printed for the Title company because page [redacted] has no interest rate, payment or taxes and insurance. The only complete page is page [redacted].<br>Reviewer Comment (2023-08-17): Page [redacted] of the CD dated [redacted] is incomplete. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698613 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: Closing Disclosure is incomplete |  | Loan Calculations data on Page [redacted]is blank. |  |  |  | Reviewer Comment (2023-08-22): The Security Instrument Notary date of [redacted] is the date used for closing calculations.The only CD provided prior to [redacted] is dated [redacted] and is incomplete. It appears this CD may have been printed for the Title company because page [redacted] has no interest rate, payment or taxes and insurance. The only complete page is page [redacted].<br>Reviewer Comment (2023-08-17): Page [redacted]of the CD dated [redacted] is incomplete. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698614 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698615 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698616 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698617 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. |  |  |  |  | Reviewer Comment (2024-07-23): Updated notary date to date listed on last page of notary<br>Reviewer Comment (2023-08-22): The Security Instrument Notary date of [redacted] is the date used for closing calculations.The only CD provided prior to [redacted] is dated [redacted] and is incomplete. It appears this CD may have been printed for the Title company because page [redacted] has no interest rate, payment or taxes and insurance. The only complete page is page [redacted].<br>Reviewer Comment (2023-08-18): Closing took place on [redacted]. No CDs were provided prior to [redacted]. Please provide a copy of all CD's given to the borrower prior to [redacted]. | 07/23/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698618 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] business days prior to consummation |  |  |  |  |  |  |  |  | 2 B |  | B |  | PA | Primary | Purchase | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 223619790 | XX | XX |  | 33698619 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | [redacted] CD not provided timely |  |  |  |  |  |  |  | 2 B |  | B |  | PA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223619791 | XX | XX |  | 33698621 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2023-08-17): Exception has been cleared. Final Title was provided. | 08/17/2023 |  |  | 1 A | A | A |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223619791 | XX | XX |  | 33698622 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-06-26): Received PDI | 06/26/2024 |  |  | 1 C A | C | A C |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223619791 | XX | XX |  | 33698623 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223619791 | XX | XX |  | 33698624 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 223619792 | XX | XX | XX | 33698626 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Credit: The loan closed with a DTI of [redacted]% excluding debts with less than [redacted] payments. The borrower obtained an auto loan [redacted]for $[redacted]with a monthly payment of $[redacted]. Including this liability increases the DTI to [redacted], invalidating the loan approval and outside tolerance levels. |  |  |  | Reviewer Comment (2024-09-26): S&D Defect |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698627 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Missing Note, Security Instrument, 1003, 1008, Loan Estimates and Closing Disclosures, Credit Report and Fraud report, Primary Appraisal, Income and Asset documents |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698628 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698629 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial [redacted] |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698630 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698631 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698632 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698633 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698634 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698635 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / MCAW not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698636 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698637 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698638 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698639 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698640 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698641 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Missing Contract Price Data | Contract Sales Price not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698642 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | County Name Missing | County from the Security Instrument was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698643 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698644 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698645 |  | Compliance | Compliance | Federal Compliance | State Late Charge | (Missing Data) Late Charge | Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698646 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of[redacted] which is [redacted]months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-[redacted]or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698648 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website | Unable to test Loan Originator Organization match due to missing information. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698649 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Unable to test Individual Loan Originator NMLSR status due to missing information. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698650 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank [redacted]): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698651 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698652 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | Good faith redisclosure D A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619792 | XX | XX | XX | 33698653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted]may be required. |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698654 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | All assets documents are not present in file |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698655 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | All Income documents are not present in file |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698656 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698657 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Note, Security Instrument, [redacted]Approval, Title document, Tax Certificate, Deed, Purchase Contract, Appraisal, Hazard Policy, Flood Certificate, Income documents, Assets, Fraud Report, Credit Report, Loan Estimate, Closing Disclosures, Right to Cancel, Other required disclosures are missing in file |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698658 |  | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  | Purchase Contract is missing in file |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698659 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698660 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698661 |  | Credit | Title | General | Title | Unable to Determine if Subject Property is Real Estate Owned due to missing Appraisal and Title documentation. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698662 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698663 |  | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698664 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698665 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of . |  |  |  |  |  |  |  | 3 B C | B | B C |  | KS | Primary | Purchase | Lender to provide updated ATR/QM status D | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619792 | XX | XX | XX | 33698666 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698668 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank [redacted]): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. | y<br> Ability to Repay (Dodd-Frank [redacted]): Unable to verify debt obligations using reasonably reliable third-party records. |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698670 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Debt | Unable to determine compliance with ATR Debt requirements due to missing Child Support and/or Alimony information. | Unable to determine compliance with ATR Debt requirements due to missing Child Support and/or Alimony information. |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: .[redacted]%/.[redacted]%, Credit Score: , Occupancy: Primary, Purpose: Purchase, | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: , Occupancy: Primary, Purpose: Purchase, |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698673 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Mortgage-Related Obligations | Ability to Repay (Dodd-Frank [redacted]): Mortgage-related obligations not considered in loan qualification. | Ability to Repay (Dodd-Frank [redacted]): Mortgage-related obligations not considered in loan qualification. |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619792 | XX | XX | XX | 33698675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing [redacted] or more guideline components, the loan is at ATR risk. | Missing loan documents |  |  |  |  |  |  |  | 3 C | C | C |  | KS | Primary | Purchase | D A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619793 | XX | XX | XX | 33698676 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619793 | XX | XX | XX | 33698677 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619793 | XX | XX | XX | 33698679 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619793 | XX | XX | XX | 33698680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619793 | XX | XX | XX | 33698681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for [redacted]Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619793 | XX | XX | XX | 33698682 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied |  |  |  | Reviewer Comment (2024-09-26): S&D Defect |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619793 | XX | XX | XX | 33698683 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least[redacted] business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. (Initial[redacted]) |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 223619793 | XX | XX | XX | 33698684 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan Title Outstanding Lien |  | Subordinate mortgage dated [redacted] for $[redacted]provided, mortgage not on title, unable to determine lien position as this was not paid on final CD. |  |  |  | Reviewer Comment (2024-09-26): S&D Defect |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619794 | XX | XX | XX | 33698685 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [redacted]Final is incomplete |  | Signature missing |  |  |  | Reviewer Comment (2024-10-25): Waive/EV[redacted] |  |  | 10/25/2024 | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619794 | XX | XX | XX | 33698687 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619794 | XX | XX | XX | 33698688 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2024-10-25): Waive/EV[redacted] |  |  | 10/25/2024 | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619794 | XX | XX | XX | 33698689 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619794 | XX | XX | XX | 33698690 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2024-10-25): Waive/EV[redacted] |  |  | 10/25/2024 | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619794 | XX | XX | XX | 33698691 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied |  |  |  | Reviewer Comment (2024-09-24): S&D defect |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619794 | XX | XX | XX | 33698692 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Documentation shows a partial claims mortgage with the Department of Housing and Urban Development dated [redacted] in the amount of $[redacted]. Unable to determine lien position |  |  |  | Reviewer Comment (2024-09-24): S&D reason |  |  |  | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698693 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698694 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698696 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698697 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted]business days prior to closing. | Initial Closing Disclosure date is [redacted] and Closing date is [redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698698 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied |  |  |  | Reviewer Comment (2024-09-27): S&D Defect |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619795 | XX | XX | XX | 33698699 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Loan file contains an unsigned subordinate agreement and mortgage for $[redacted]dated [redacted] and is not paid off on CD. Unable to determine lien position |  |  |  |  |  |  |  | 3 C | C | C |  | KY | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619796 | XX | XX | XX | 33698700 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement is not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619796 | XX | XX | XX | 33698702 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619796 | XX | XX | XX | 33698703 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | File does not contain a valid COC for this fee, cure not provided at closing. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619796 | XX | XX | XX | 33698704 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied |  |  |  | Reviewer Comment (2024-09-27): S&D Defect |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619797 | XX | XX | XX | 33698706 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619797 | XX | XX | XX | 33698707 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Points increased from $[redacted]on the initial Loan Estimate to $[redacted]on the Loan Estimate dated [redacted] without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619797 | XX | XX | XX | 33698708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Re-inspection Fee increased from $[redacted]on the initial Loan Estimate to $[redacted]on the Loan Estimate dated [redacted] without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619797 | XX | XX | XX | 33698709 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619797 | XX | XX | XX | 33698710 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of Department of Housing and Urban Development that was not satisfied. |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619797 | XX | XX | XX | 33698711 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Partial Mortgage provided for $[redacted]not showing on commitment title - unable to determine if lien position is affected |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619798 | XX | XX | XX | 33698713 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Discount Points. Fee increased from $[redacted]on the initial Loan Estimate to $[redacted]on the initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-09-20): Sufficient Cure Provided At Closing |  | 09/20/2024 |  | 1 A | A | A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619798 | XX | XX | XX | 33698714 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Income: The loan was approved using total monthly income of $[redacted]and liabilities of $[redacted]reflecting a DTI of [redacted]%. Using corrected income of $[redacted]and debts of $[redacted]the DTI is [redacted]%. |  |  |  | Reviewer Comment (2024-09-26): S&D defect |  |  |  | 2 B | B | B |  | NV | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619799 | XX | XX | XX | 33698716 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619799 | XX | XX | XX | 33698717 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. however the lender provided a credit of $[redacted]to cover the cost to cure. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619799 | XX | XX | XX | 33698718 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. however the lender provided a credit of $[redacted]to cover the cost to cure. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619799 | XX | XX | XX | 33698719 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Income: [redacted]'s Financial Fraud Investigations Unit (FFIU) conducted extensive research on the subject transaction which included interviewing multiple loan parties and reviewing written communications exchanged between loan parties during the origination process. Through their research, FFIU confirmed the tax returns and other supporting documents provided with the subject loan file contained fraudulent/inflated income figures. |  |  |  | Reviewer Comment (2024-09-28): S&D defect |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619799 | XX | XX | XX | 33698720 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619799 | XX | XX | XX | 33698721 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  |  |  |  |  | 3 B C | B | B C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619800 | XX | XX | XX | 33698722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619800 | XX | XX | XX | 33698723 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619800 | XX | XX | XX | 33698724 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619800 | XX | XX | XX | 33698726 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619800 | XX | XX | XX | 33698727 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619800 | XX | XX | XX | 33698728 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - There was an outstanding subordinate partial claim mortgage/lien in the name of [redacted] that was not satisfied |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 2 B | B | B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619800 | XX | XX | XX | 33698729 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Partial Mortgage provided for $[redacted] not showing on commitment title - unable to determine if lien position is affected |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 3 C | C | C |  | TN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619801 | XX | XX | XX | 33698730 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Appraisal Issue: The borrower did not occupy the subject property, the property was actually purchase for the borrower(s) The borrower remained her current address at [redacted] |  |  |  | Reviewer Comment (2024-09-24): S&D reason |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619801 | XX | XX | XX | 33698731 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-22): Sufficient Cure Provided At Closing |  | 09/22/2024 |  | 1 A | A | A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619801 | XX | XX | XX | 33698732 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. | Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619801 | XX | XX | XX | 33698734 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is rural, consisting of [redacted] acres - investor consideration required |  |  |  |  |  |  |  | 3 C | C | C |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619802 | XX | XX | XX | 33698735 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619802 | XX | XX | XX | 33698736 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619802 | XX | XX | XX | 33698737 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619802 | XX | XX | XX | 33698738 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | Reviewer Comment (2024-10-25): Waive/EV[redacted] |  |  | 10/25/2024 | 3 C | C | C |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619802 | XX | XX | XX | 33698741 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Income: The lender included rental income of $[redacted] in the debt-to income ratio (DTI) calculation. Based on the documentation provided, the recalculated rental loss was $[redacted]. The increased rental loss resulted in a revised DTI of [redacted]% A review of the subject loan revealed that the lender did not calculate the total monthly obligations correctly. The monthly mortgage payments were not calculated properly. Using the corrected monthly payments totaling $[redacted] resulted in a revised DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-09-29): S&D defect |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619803 | XX | XX | XX | 33698742 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted],-does not meet equal greater of [redacted]% cost new ($[redacted]) or loan amount $[redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619803 | XX | XX | XX | 33698744 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619803 | XX | XX | XX | 33698746 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Employment: The loan was approved with a DTI of [redacted]% using total income of $[redacted]. The Income used for the co-borrower was $[redacted], however he was not employed at the time of closing. Post-closing information reflects he retired and was to start receiving pension of $[redacted] on [redacted]. The borrower's bonus of $[redacted] was accurately calculated at $[redacted]. Using corrected income of $[redacted], the DTI is [redacted]%. |  |  |  | Reviewer Comment (2024-09-25): S&D Defect |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619804 | XX | XX | XX | 33698748 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal after Waiver |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619804 | XX | XX | XX | 33698749 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619804 | XX | XX | XX | 33698750 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted]: Inadequate Comparable Adjustment(s); The appraiser made $[redacted] per square foot adjustment(s) for site size and $[redacted] per square foot adjustments for gross living area to the comparable sales. The adjustment(s) were unsupported based on a lack of data and analysis within the appraisal to support these adjustments. Inappropriate Comparable Sale(s) Selection Due to Location; Appraisers must use comparable sales that are the most locationally and physically similar to the subject property. Comparable sale(s) [redacted] were considered inappropriate as they were dissimilar to the subject in location without adequate explanation as to why the comparable(s) were used. Sales [redacted] were unnecessarily distant at over [redacted] miles from the subject. Sales [redacted] were located on the opposite side of [redacted] . The MLS provided alternate sales that were on the same side of the bay as the subject and that were significantly more proximate. Use of Physically Dissimilar Comparable Sale(s) - Age; Comparable sale(s) seven was significantly superior to the subject property in age. The subject was reported as [redacted] years old as of the effective date while comparable sale one was only [redacted] year old at the time of sale. The appraiser has not provided an adequate explanation why the specific comparable(s) was used. IR Response: [redacted] alternatives are closer to the subject property than the OA comps. The comps are mostly too distant for a suburban built up [redacted] location. [redacted] went across the [redacted] which is a far more desirable location and across what appear to be major roads. [redacted] of [redacted] comps are outside the subject area and [redacted] were over [redacted] miles. The MLS provided alternate sales that were on the same side of the bay as the subject and that were significantly more proximate. Based on alternatives, the estimated value of the property would be $[redacted] rather than $[redacted] Originated as a [redacted]% LTV/CLTV Purchase of a [redacted] unit Primary Residence. LP Accept ([redacted] submissions) with representative credit scores of [redacted]and [redacted]. The correspondent is no longer in business. |  |  |  | Reviewer Comment (2024-09-24): S&D defect |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619805 | XX | XX | XX | 33698751 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619805 | XX | XX | XX | 33698752 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619805 | XX | XX | XX | 33698753 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D B | D | D C |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619805 | XX | XX | XX | 33698754 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619805 | XX | XX | XX | 33698755 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Program Eligibility - Employment: [redacted] self-report. The loan was approved with a DTI of [redacted]%. A reverification of employment reflects the borrower's employment at [redacted] ended [redacted], prior to closing. Without the monthly income of $[redacted] used to qualify, the DTI increases to [redacted]% rendering the loan ineligible for approval. |  |  |  | Reviewer Comment (2024-09-24): S&D Defect |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619806 | XX | XX | XX | 33698756 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | MI | Primary | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619806 | XX | XX | XX | 33698758 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason - Delinquent at time of pooling |  |  |  | Reviewer Comment (2024-09-24): S&D reason |  |  |  | 3 C | C | C |  | MI | Primary | Purchase | D C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619807 | XX | XX |  | 33698760 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___<br> ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698761 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698762 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698763 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698764 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698765 |  | Compliance | Compliance | Federal Compliance | State Late Charge | (Missing Data) Late Charge | Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698767 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted]. ([redacted]./S-Corp) |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698768 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted] Tax Return Due Date [redacted] | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. ([redacted]/S-Corp) |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]. | [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-[redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619807 | XX | XX |  | 33698771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619807 | XX | XX |  | 33698772 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619807 | XX | XX |  | 33698773 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619807 | XX | XX |  | 33698774 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619807 | XX | XX |  | 33698775 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698776 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing income documentation. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall condition due to missing income documentation. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619807 | XX | XX |  | 33698778 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Occupancy - misrepresentation |  |  |  | Reviewer Comment (2024-06-25): Reason for S&D. |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698779 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-27): Received PDI | 06/27/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698780 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing guidelines for the loan. |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698782 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | ATR Risk | Yes |
| 223619808 | XX | XX |  | 33698783 |  | Compliance | Compliance | Federal Compliance | TILA | TILA NMLSR - Missing NMLS Information on 1003 | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) C A | Non QM | ATR Risk | Yes |
| 223619808 | XX | XX |  | 33698784 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619808 | XX | XX |  | 33698785 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698787 |  | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) xx Threshold Loan (Points and Fees) | City of [redacted] Anti-Predatory Lending Ordinance: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the City Total Loan Amount. Points and Fees total $[redacted] on a City Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698788 |  | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xx County Threshold Loan (Points and Fees) | [redacted] County Predatory Lending Ordinance: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the County Total Loan Amount. Points and Fees total $[redacted] on a County Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698789 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698790 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV:[redacted], Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Due to missing guidelines. |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698792 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619808 | XX | XX |  | 33698793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Later Date & Gap Risk Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619808 | XX | XX |  | 33698794 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - High Cost |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619808 | XX | XX |  | 33698795 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619809 | XX | XX |  | 33698797 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Forbearance seasoning not met |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223619810 | XX | XX |  | 33698799 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 223619810 | XX | XX |  | 33698800 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] business days of application. | Affiliated Business Arrangement Disclosure is not provided within [redacted]business days of application. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619810 | XX | XX |  | 33698802 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Appraisal sales comp did not support value |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619811 | XX | XX |  | 33698803 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619811 | XX | XX |  | 33698805 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Short minimum investment for [redacted] program by $[redacted] |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619811 | XX | XX |  | 33698806 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File is missing evidence of appraisal delivery to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619811 | XX | XX |  | 33698807 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Subject is a Shared Appreciation Mortgage and equity may be compromised. |  |  |  |  |  |  |  |  |  | 3 B | C | C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619813 | XX | XX |  | 33698808 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application [redacted]-A was not provided within [redacted] days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698809 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698810 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Mortgage insurance certificate was not provided. Provide a copy of the certificate verifying the details including amount and payments required. |  |  |  |  |  |  |  | 3 C | C | C |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | KY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619813 | XX | XX |  | 33698813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Non QM | ATR Risk | Yes |
| 223619813 | XX | XX |  | 33698814 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 C | C | C |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698816 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Received "accept" in AUS and FHA-c, however Scorecard returning error/refer. Unable to re-run AUS due to age of credit. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698817 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619813 | XX | XX |  | 33698818 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing pre-Close AUS Report. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 C | C | C |  | KY | Primary | Purchase | D C | Non QM | ATR Risk | No |
| 223619814 | XX | XX |  | 33698819 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619814 | XX | XX |  | 33698820 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619814 | XX | XX |  | 33698821 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 223619814 | XX | XX |  | 33698823 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Not Provided Timely | RESPA: Initial escrow account statement was not provided to the borrower within [redacted] calendar days of closing. | Initial escrow account statement was not provided to the borrower within [redacted] calendar days of closing. |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619814 | XX | XX |  | 33698824 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619814 | XX | XX |  | 33698825 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income calculation errors |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619815 | XX | XX |  | 33698827 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Asset misrepresentation |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619815 | XX | XX |  | 33698828 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619815 | XX | XX |  | 33698830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. | Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[redacted] may be required. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223619815 | XX | XX |  | 33698831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619815 | XX | XX |  | 33698832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619815 | XX | XX |  | 33698833 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619815 | XX | XX |  | 33698834 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698835 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Credit Score Disclosure is missing. |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698836 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling is missing. |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698837 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing proof of delivery and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619816 | XX | XX |  | 33698838 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary valuation is missing. |  |  |  |  |  |  |  | 3 D | D | D |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698839 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698840 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Missing Builder Docs = HUD-[redacted] Builder's Certification of Plan, Specifications & Site, HUD-[redacted] Warranty of Completion of Construction, NPMA-[redacted] Subterranean Termite Protection Builder's Guarantee, NPMA-[redacted] New Construction Subterranean Termite Service Record |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698841 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698842 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698843 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619816 | XX | XX |  | 33698844 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619817 | XX | XX |  | 33698845 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-26): received PDI | 06/26/2024 |  |  | 1 C A | C | A C |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619817 | XX | XX |  | 33698846 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]) |  |  |  |  |  |  |  | 2 B | B | B |  | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619817 | XX | XX |  | 33698847 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  |  |  |  |  | 2 B | B | B |  | MI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619817 | XX | XX |  | 33698849 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Employment |  |  |  | Reviewer Comment (2024-06-22): S&D Reason - Employment |  |  |  | 2 B | B | B |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619818 | XX | XX |  | 33698850 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C | Non QM | Non QM | No |
| 223619818 | XX | XX |  | 33698851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C | Non QM | Non QM | No |
| 223619818 | XX | XX |  | 33698852 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not used to calculate LTV. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C | Non QM | Non QM | No |
| 223619818 | XX | XX |  | 33698854 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted]which exceeds the $[redacted] threshold. Lender provided a post closing CD that corrected the error. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 223619818 | XX | XX |  | 33698855 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2024-06-17): Sufficient Cure Provided At Closing |  | 06/17/2024 |  | 1 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Non QM | Non QM | Yes |
| 223619818 | XX | XX |  | 33698856 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Add'l case # suggested lower appraised value |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C | Non QM | Non QM | No |
| 223619819 | XX | XX |  | 33698857 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most recent DTI was completed on [redacted]. Per appraiser, the roof has a tarp on it and some shingles appear to be missing. |  |  |  | Reviewer Comment (2024-06-26): Received PDI | 06/26/2024 |  |  | 1 C A | C | A C |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223619819 | XX | XX |  | 33698859 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Loan cannot be sold due to age. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223619819 | XX | XX |  | 33698860 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___. | Fidelity assets were not included in asset balance. Only have [redacted] month of statements and per AUS [redacted] months are required. Funds to close and required reserves are verified. Gift funds were also excluded due to insufficient documentation. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223619820 | XX | XX |  | 33698861 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619820 | XX | XX |  | 33698862 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619820 | XX | XX |  | 33698863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | ATR Risk | Yes |
| 223619820 | XX | XX |  | 33698864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619820 | XX | XX |  | 33698865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619820 | XX | XX |  | 33698867 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | due to ARM |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619820 | XX | XX |  | 33698868 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Missing [redacted] month employment history due to [redacted] month gap. |  |  |  | Reviewer Comment (2024-06-21): Reason for S&D. |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | D B C | Non QM | ATR Risk | No |
| 223619821 | XX | XX |  | 33698870 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223619821 | XX | XX |  | 33698872 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Excessive seller credits in the amount of $[redacted] applied to loan costs. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 223619822 | XX | XX |  | 33698873 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-06-27): Received PDI | 06/27/2024 |  |  | 1 C A | C | A C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698874 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698875 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698876 |  | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698877 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698878 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698879 |  | Credit | Missing Document | General | Missing Document | Missing Document: [redacted] Rent Comparison Schedule not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698880 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698881 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619822 | XX | XX |  | 33698882 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income calculation issues |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | FL | Investment | Purchase | D A | N/A | N/A | No |
| 223619823 | XX | XX |  | 33698885 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Agency doesn't agree with comps being used. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619823 | XX | XX |  | 33698886 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619824 | XX | XX |  | 33698887 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619824 | XX | XX |  | 33698888 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619824 | XX | XX |  | 33698889 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on[redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619824 | XX | XX |  | 33698890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619824 | XX | XX |  | 33698892 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619824 | XX | XX |  | 33698893 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619824 | XX | XX |  | 33698894 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - The agency disagreed with two of the comparables in the appraisal used for the purchase. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619825 | XX | XX |  | 33698895 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619825 | XX | XX |  | 33698897 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]. The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619825 | XX | XX |  | 33698898 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Agency doesn't agree with comps being used |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619826 | XX | XX |  | 33698899 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Borrower's Income/Employment was not properly documented |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698900 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698901 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698902 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698903 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698905 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted]are underdisclosed. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | GA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619827 | XX | XX |  | 33698906 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Flip seasoning missed by [redacted] day |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619827 | XX | XX |  | 33698907 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Cash out refinance requires the subject property to be owned for a minimum of [redacted] months. Subject property was purchased on [redacted] and the application date for this transaction is [redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619828 | XX | XX |  | 33698908 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | D | D |  | TN | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619828 | XX | XX |  | 33698910 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted] years, and prior employment history was not documented as required. |  | Borrower was a student prior to the current employment. |  |  |  |  |  |  |  | 3 C | C | C |  | TN | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619828 | XX | XX |  | 33698911 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - AUS refer - file does not meet manual underwriting guidelines. |  |  |  | Reviewer Comment (2024-06-22): S&D Reason - AUS refer - file does not meet manual underwriting guidelines. |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619829 | XX | XX |  | 33698912 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Points Issue- Monetary correction made to borrower |  |  |  | Reviewer Comment (2024-06-22): S&D Reason - AUS refer - file does not meet manual underwriting guidelines. |  |  |  | 2 B | B | B |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619829 | XX | XX |  | 33698913 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619829 | XX | XX |  | 33698914 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619829 | XX | XX |  | 33698915 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C | Non QM | ATR Risk | Yes |
| 223619829 | XX | XX |  | 33698916 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is waterfalling to ATR/QM standard requirements because the loan is missing LP Accept/Eligible findings prior to the note date. Findings in file are dated post closing. |  |  |  |  |  |  |  | 3 B C | B | B C |  | AL | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619829 | XX | XX |  | 33698917 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | The loan is waterfalling to ATR/QM standard requirements because the loan is missing LP Accept/Eligible findings prior to the note date. Findings in file are dated post closing. |  |  |  |  |  |  |  | 3 C | C | C |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619829 | XX | XX |  | 33698918 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%, Credit Score: [redacted], Occupancy: Second Home, Purpose: Refinance, Cash-out - Other | The loan is waterfalling to ATR/QM standard requirements because the loan is missing LP Accept/Eligible findings prior to the note date. Findings in file are dated post closing. |  |  |  |  |  |  |  | 3 C | C | C |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619829 | XX | XX |  | 33698919 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Per final 1008 in file, loan was AUS / LPA underwritten. File only contains a post closing AUS dated [redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | AL | Second Home | Refinance - Cash-out - Other | D C | Non QM | ATR Risk | No |
| 223619830 | XX | XX |  | 33698920 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - C/O Refi Manufactured Max term allowed for C/O refi is [redacted] for Manufactured Home (term is [redacted]) |  |  |  | Reviewer Comment (2024-06-27): S&D reason |  |  |  | 2 B | B | B |  | MI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619830 | XX | XX |  | 33698921 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | D | D |  | MI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619830 | XX | XX |  | 33698923 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619830 | XX | XX |  | 33698925 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least[redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619830 | XX | XX |  | 33698926 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Term discrepancy. | Note term of ___ does not match Guideline term of ___. | Cash out on manufactured home is limited to [redacted] year term, subject is [redacted] year term |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 3 C | C | C |  | MI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698928 |  | Credit | Disclosure | Missing Document | Disclosure | [redacted] Authorization is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698930 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: [redacted] not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698931 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Request for [redacted] Family Housing Loan Guaranty (RD [redacted]) is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698932 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | [redacted] Error (Borrower Paid): | - Calculated [redacted] premium of ___ does not match the mortgage insurance premium collected on the Closing Disclosure of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698933 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | [redacted] Error (Non-Borrower Paid): | - Calculated [redacted] premium of ___ does not match the mortgage insurance premium collected on the Closing Disclosure of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698934 |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698936 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619831 | XX | XX |  | 33698938 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619831 | XX | XX |  | 33698939 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). |  |  |  |  |  |  |  | 2 C B | C | B C |  | LA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619831 | XX | XX |  | 33698941 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - As per agency guidelines, income exceeds threshold. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698942 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698944 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698945 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619832 | XX | XX |  | 33698947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-22): Waived and downgraded based on S&D Scope Document and available compensating factors. |  |  | 06/22/2024 | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2024-06-15): Sufficient Cure Provided At Closing |  | 06/15/2024 |  | 1 A | A | A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 223619832 | XX | XX |  | 33698949 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. | Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-22): Waived and downgraded based on S&D Scope Document and available compensating factors. |  |  | 06/22/2024 | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698950 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698951 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Condo/balcony issue. Condo association is aware the balconies will need some work but the extent has not been determined yet. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619832 | XX | XX |  | 33698952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 223619833 | XX | XX |  | 33698954 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | OH | Primary | Purchase | D B | Non QM | Non QM | No |
| 223619833 | XX | XX |  | 33698956 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Purchase | D B | Non QM | Non QM | No |
| 223619833 | XX | XX |  | 33698958 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Appraisal-dissimilar comps, inappropriate location of comps. |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | OH | Primary | Purchase | D B | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698959 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-06-26): Received PDI | 06/26/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698960 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-22): Waived and downgraded based on S&D Scope Document and available compensating factors. |  |  | 06/22/2024 | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698961 |  | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  | Reviewer Comment (2024-07-22): Waive per client email [redacted]<br>Reviewer Comment (2024-07-05): License history shows active in CA as of [redacted] |  |  | 07/22/2024 | 3 C | C | C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698962 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619834 | XX | XX |  | 33698963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-06-22): Waived and downgraded based on S&D Scope Document and available compensating factors. |  |  | 06/22/2024 | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619834 | XX | XX |  | 33698965 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2024-07-05): Nothing provided shows eConsent prior to [redacted] |  |  |  | 2 C B | C | B C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698966 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact Information (Lender Name, Lender [redacted] ID, Contact Name, Contact [redacted] ID). (Final[redacted]) |  |  |  | Reviewer Comment (2024-07-22): Waive per client email [redacted]<br>Reviewer Comment (2024-07-05): Missing NMLS ID for Cardinal Financial |  |  | 07/22/2024 | 2 C B | C | B C |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619834 | XX | XX |  | 33698967 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-07-22): Cleared with rerun and update | 07/22/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 223619834 | XX | XX |  | 33698968 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-07-15): Updated input | 07/15/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes |
| 223619834 | XX | XX |  | 33698969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-06-22): DTI Waived and downgraded based on S&D Scope Document and available compensating factors. | 06/22/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619834 | XX | XX |  | 33698971 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Income miscalculating resulting in DTI above threshold |  |  |  | Reviewer Comment (2024-06-22): Reason for S&D. |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619835 | XX | XX |  | 33698972 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  | Seller Comment (2024-06-18): EV[redacted] rating |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619835 | XX | XX |  | 33698976 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-06-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-06-18): $[redacted]tolerance cure was given on Final CD for Transfer Tax change<br>Seller Comment (2024-06-18): Title was shopped therefore does not fall until 10% tolerance requirement. Per the WSPL fees were disclosed for [redacted] and this loan closed with [redacted] Settlements, Inc for title fees. | 06/20/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619835 | XX | XX |  | 33698977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-06-26): [Redacted] received a valid COC.<br>Seller Comment (2024-06-25): RUSH Fee was due to FLS not having received an order for this county in [redacted]+ days and being unable to determine the market turn time. A RUSH fee was added when the order was accepted in order to meet funding deadline.<br> Complexity Fee was added due to this being a 4 Unit Property. On [redacted] the appraiser accepted the order with the below itemized fees that were redisclosed on [redacted]<br> $[redacted] appraisal + $[redacted] complexity + $[redacted] Admin = $[redacted]<br>[redacted]RUSH Fee of $[redacted] was added to get the report back in time to keep funding date the same as contract<br>Reviewer Comment (2024-06-24): [Redacted] received COC stating "Appraisal rush and complexity fee added". However we required the reason as to what caused the property to be complex and required to complete rush .Kindly provide detail reason for Rush and complexity in order to clear the exception.<br>Seller Comment (2024-06-21): see other upload for documentation | 06/26/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619835 | XX | XX |  | 33698978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-06-26): [Redacted] received a valid COC.<br>Seller Comment (2024-06-25): see other comment to cure<br>Reviewer Comment (2024-06-24): [Redacted] received COC stating "Appraisal rush and complexity fee added". However we required the reason as to what caused the property to be complex and required to complete rush .Kindly provide detail reason for Rush and complexity. Please provide documentation of the reason for the additional of Appraisal review is required and the appraisal review fee was added. What information was received that required the additional review and when was that information received or Cure would be due to borrower.<br>Seller Comment (2024-06-21): Revised LE<br>Seller Comment (2024-06-21): see COC that was disclosed on the Revised LE | 06/26/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619835 | XX | XX |  | 33698979 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-06-26): [Redacted] received a valid COC.<br>Seller Comment (2024-06-25): see other comment to cure<br>Reviewer Comment (2024-06-24): [Redacted] received COC stating "Appraisal rush and complexity fee added". However we required the reason as to what caused the property to be complex and required to complete rush .Kindly provide detail reason for Rush and complexity in order to clear the exception.<br>Seller Comment (2024-06-21): see other upload with documentation | 06/26/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619835 | XX | XX |  | 33698981 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  | Appraisal Report [redacted] is provided in file. |  |  |  | Reviewer Comment (2024-06-30): Received CDA<br>Seller Comment (2024-06-18): [Redacted] down to EV[redacted] rating - FIMC is not responsible for secondary valuations on S&D trades | 06/30/2024 |  |  | 1 D A | D | A D |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619835 | XX | XX |  | 33698982 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: eNote - Unable to allocate to Investor - Borrower not employed as disclosed: PER [redacted] RE-VERIFICATION OF EMPLOYMENT,[redacted] EMPLOYMENT WITH [redacted] TERMINATED ON [redacted]. Borrower confirmed he resigned from his job after closing on [redacted]. He shared that he has now started his own business and will be 1099. |  |  |  | Reviewer Comment (2024-06-14): S&D reason |  |  | 06/14/2024 | 2 B | B | B |  | PA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619835 | XX | XX |  | 33698983 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-06-26): Sufficient Cure Provided At Closing |  | 06/26/2024 |  | 1 A |  | A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223619836 | XX | XX |  | 33698984 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  | 06/24/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619836 | XX | XX |  | 33698987 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Bank Statement Guidelines Require 12 or more Months | General QM: Guidelines require [redacted] or more consecutive months bank statements. |  |  |  |  |  | 06/19/2024 |  |  | 1 A | A | A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619836 | XX | XX |  | 33698988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [redacted] QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  |  |  | 06/19/2024 |  |  | 1 B A C | B | A C B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619836 | XX | XX |  | 33698989 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619836 | XX | XX |  | 33698991 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  |  |  |  |  | 2 A B |  | B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619837 | XX | XX |  | 33698993 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. | Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619837 | XX | XX |  | 33698994 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Borrower not employed at time of closing |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619837 | XX | XX |  | 33698995 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Per VOE from Work Number borrower inactive as of [redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619837 | XX | XX |  | 33698996 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Per VOE from Work Number borrower inactive as of [redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D reason |  |  |  | 3 B C | B | B C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | ATR Fail | Yes |
| 223619837 | XX | XX |  | 33698997 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | Per VOE from Work Number borrower inactive as of [redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D reason |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619837 | XX | XX |  | 33698998 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per VOE from Work Number borrower inactive as of [redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619837 | XX | XX |  | 33698999 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Per VOE from Work Number borrower inactive as of [redacted] |  |  |  | Reviewer Comment (2024-06-27): S&D Reason |  |  |  | 1 A | A | A |  | PA | Primary | Purchase | C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699000 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2024-08-19): Received bank statements<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699001 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  |  |  |  | Reviewer Comment (2024-08-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted].<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699002 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699003 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699004 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received Credit report, Exception cleared.<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 D A | D | A D |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699005 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received<br>Seller Comment (2024-08-19): Not in required flood zone. Have cert | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699006 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699007 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 D A | D | A D |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699010 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699011 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted] [redacted] [redacted] % Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C A | Non QM | ATR Fail | Yes |
| 223619838 | XX | XX | XX | 33699012 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. |  |  |  |  | Reviewer Comment (2024-08-19): received missing docs<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699013 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2024-08-19): received missing docs<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699014 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-08-19): Received Document, Exception cleared.<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699020 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-08-19): Missing bank statements<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance |  |  |  | 3 B C | B | B C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | ATR Fail | Yes |
| 223619838 | XX | XX | XX | 33699022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | : No income or assets converted to a monthly amount was provided to demonstrate ability to repay. |  |  |  | Reviewer Comment (2024-08-19): received missing docs<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. ([redacted]/Schedule C) |  |  |  | Reviewer Comment (2024-08-19): received missing docs<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699024 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%, Credit Score: , Occupancy: Primary, Purpose: Purchase, | Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: [redacted]%, Credit Score: , Occupancy: Primary, Purpose: Purchase, |  |  |  | Reviewer Comment (2024-08-19): received missing docs<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699028 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Asset documentation requirements not met. |  |  |  | Reviewer Comment (2024-08-19): Received Asset documents, Exception cleared.<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699029 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Income documentation requirements not met. |  |  |  | Reviewer Comment (2024-08-19): Received Income documents, Exception cleared.<br>Reviewer Comment (2024-08-19): Missing[redacted] months of bank statements, [redacted] months provided<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance | 08/19/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699030 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-08-19): Missing required bank statements<br>Seller Comment (2024-08-19): Can AMC please re-review loan file? Uploaded in supporting docs for compliance |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699031 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - HPML Violation - Appraisal Flipped Property Missing Information. Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699032 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Missing [redacted] months of bank statements, [redacted] months provided, [redacted] months required |  |  |  |  |  |  |  | 3 C |  | C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619838 | XX | XX | XX | 33699035 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B |  | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Fail | Yes |
| 223619838 | XX | XX | XX | 33699036 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing [redacted] months of bank statements, [redacted] months provided, [redacted] months required |  |  |  |  |  |  |  | 3 C |  | C |  | TX | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223619839 | XX | XX | XX | 33699037 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-08-19): Received<br>Seller Comment (2024-08-19): Attached | 08/19/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699038 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted] Citizen, and the guideline required documentation was not provided. |  |  |  |  |  | Reviewer Comment (2024-08-19): received<br>Seller Comment (2024-08-19): Attached | 08/19/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699039 |  | Compliance | Note | Document Error | Note | Loan is an ARM loan using LIBOR as the ARM index after LIBOR was discontinued ([redacted]). Compliance testing was performed using last available LIBOR index. Compliance findings may be inaccurate if based on stale/incorrect ARM index. |  |  |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699040 |  | Credit | Note | General | Note | Loans with an application date after [redacted] using a LIBOR Index are not Agency Salable. | Index: ___; Note Date: ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699042 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2024-08-19): Received Perm Resident card<br>Seller Comment (2024-08-19): Attached | 08/19/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699043 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619839 | XX | XX | XX | 33699047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. | Adjustable Interest Rate Table: Final Closing Disclosure provided on[Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699048 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/[Redacted]) |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699049 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699050 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. | Final Closing Disclosure provided on[Redacted] with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final[Redacted]) |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699052 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus 10% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619839 | XX | XX | XX | 33699053 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - [Redacted]) Note drawn with wrong Index, Caps, Margin [Redacted]) TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on[Redacted] disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan.<br> [Redacted]) TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower.<br> [Redacted]) TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[Redacted] contains a change in APR and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation<br> [Redacted]) TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[Redacted]). <br> [Redacted]) TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on[Redacted] with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan<br> 7) Loan is an ARM loan using LIBOR as the ARM index after LIBOR was discontinued ([Redacted][Redacted], [Redacted]). Compliance testing was performed using last available LIBOR index. Compliance findings may be inaccurate if based on stale/incorrect ARM index.<br> [Redacted]) TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> [Redacted]) TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Total of Payments on page [Redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. |  |  |  | Reviewer Comment (2024-07-26): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619840 | XX | XX |  | 33699054 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-07-22): Received HOA Verification, exception cleared.<br>Seller Comment (2024-07-19): see attached - page [Redacted] is the HOA statement | 07/22/2024 |  |  | 1 C A | C | A C |  | ID | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699056 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting [Redacted]valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-12): Received BPO, Exception cleared<br>Reviewer Comment (2024-07-23): Moved to buyer queue for consideration.<br>Seller Comment (2024-07-19): [Redacted] down to EV2 rating - FIMC is not responsible for secondary valuations on S&D sales | 08/12/2024 |  |  | 1 D A B | D | A C D |  | ID | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699057 |  | Compliance | Compliance | Federal Compliance | Compliance | Buydown Agreement and Buydown Deposit Discrepancy - Buydown Terms Considered | Total Buydown Amount collected on HUD/CD $[Redacted]does not match Buydown Subsidy of $[Redacted]required per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact accuracy of TILA disclosures and validity of compliance points and fees findings. | Total Buydown Amount collected on HUD/CD $[Redacted]does not match Buydown Subsidy of $[Redacted]required per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required to meet terms of buydown agreement. Any discrepancy may impact accuracy of TILA disclosures and validity of compliance points and fees findings. |  |  |  | Reviewer Comment (2024-07-24): Buydown deposit matches PCCD and agreement.<br>Seller Comment (2024-07-23): see PCCD and LOE revising to $[Redacted]<br>Reviewer Comment (2024-07-23): Provided Buydown agreement is inadequate. Provided agreement indicates a escrow amount of $[Redacted] is required, however an amount of $[Redacted] is listed on both the CD and on the Temporary Buydown agreement.<br>Seller Comment (2024-07-19): Buydown Agreement<br>Seller Comment (2024-07-19): where are you seeing $[Redacted] ? | 07/24/2024 |  |  | 1 C A | C | A C |  | ID | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Temporary Buydown Terms Not Reflected on Disclosures Test | TRID: Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. | Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. |  |  |  | Reviewer Comment (2024-08-02): [Redacted] received PCCD, LOE, Copy of refund check and proof of mailing.<br>Seller Comment (2024-08-02): buydown was disclosed<br>Reviewer Comment (2024-08-02): Corrected CD and LOE to borrower did not correct the Buydown terms on CD. Did not disclose the buydown - Step payment feature.<br>Seller Comment (2024-08-01): UPS label<br>Seller Comment (2024-08-01): check<br>Reviewer Comment (2024-07-24): Please provide copy of refund check and proof of mailing.<br>Seller Comment (2024-07-23): see other upload from today with PCCD<br>Reviewer Comment (2024-07-23): Exception will remain graded at EV3 unless Corrected disclosure and LOE to borrower provided correcting. No PCCD received.<br>Seller Comment (2024-07-19): reason for selling the loan as disclosed on bid tape was due to Incorrect CD being utilized at closing - PCCD was issued to borrower |  | 08/02/2024 |  | 2 C B | C | B C |  | ID | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699059 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[Redacted] contains a change in loan product and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation. | Corrected Closing Disclosure provided on or after[Redacted] contains a change in loan product and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation. |  |  |  | Reviewer Comment (2024-07-29): Reason for S&D.<br>Seller Comment (2024-07-26): you are citing the reason we are selling the loan - the Investor is aware as this defect was disclosed on the bid tape<br>Reviewer Comment (2024-07-24): [Redacted] CD is incomplete. (doc id [Redacted]) with no payment calculations. However, CD is signed by borrower and may not be removed form testing.<br>Seller Comment (2024-07-23): see other upload from today with PCCD<br>Reviewer Comment (2024-07-23): Exception will remain graded at [redacted] unless Corrected disclosure and LOE to borrower provided correcting. No PCCD received.<br>Seller Comment (2024-07-19): reason for selling the loan as disclosed on bid tape - Borrower signed CD from Title and NOT Lender at closing - PCCD issued to borrower |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TRID timing exception, no remediation available. C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699060 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "eNote - Investor rejected loan for purchase due to Incorrect Final Closing Disclosure - Loan does not meet [Redacted]Guidelines. APR was disclosed as [redacted]% and Finance Charge was disclosed as [Redacted]%<br> Borrower signed CD from Title and NOT Lender at closing." |  |  |  | Reviewer Comment (2024-07-24): S&D reason<br>Seller Comment (2024-07-19): EV2 rating |  |  |  | 2 B | B | B |  | ID | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699061 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: APR of .[Redacted]% on Final Closing Disclosure provided on [Redacted] is under-disclosed from the calculated APR of [Redacted]% outside of [Redacted]% tolerance. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699062 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose an Estimated Taxes, Insurance, and Assessments payment. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699063 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[Redacted]). | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699065 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Interest Rate can change. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699066 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on[Redacted] did not disclose the Loan Term. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Frequency | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on[Redacted] did not disclose the payment frequency. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted]incorrectly disclosed whether the Principal and Interest Payment can change. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699069 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on[Redacted] did not disclose the Principal and Interest Payment. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699070 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TRID Timing exception, no remediation available. C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619840 | XX | XX |  | 33699071 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Payments Schedule | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] did not contain a payment schedule. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted]Underdisclosed - [Redacted][Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted]of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699073 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether property taxes are included in escrow. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Total of Payments on page [Redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted]threshold. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699076 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] did not disclose Estimated Property Costs over Year [Redacted]for loan with no escrow account established. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699077 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699079 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Projected Payment Information | TILA-RESPA Integrated Disclosure - Projected Payments: Closing Disclosure provided on[Redacted]contains a Projected Payments Table that was not completed. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Final signed CD is missing data |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 3 C | C | C |  | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619840 | XX | XX |  | 33699081 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | B |  | ID | Primary | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619841 | XX | XX |  | 33699082 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-08-06): Received proof of delivery sent [Redacted] no proof of receipt therefore mailbox rule applied<br>Seller Comment (2024-07-19): see attached email delivering the appraisal [Redacted] days prior to closing |  |  |  | 2 B | B | B |  | WY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619841 | XX | XX |  | 33699085 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-12): Received Desk Review, Exception Cleared<br>Reviewer Comment (2024-07-23): Moved to buyer queue for consideration.<br>Seller Comment (2024-07-19): [Redacted] down to [redacted] rating - FIMC is not responsible for secondary valuations on S&D sales | 08/12/2024 |  |  | 1 D A | D | A D |  | WY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619841 | XX | XX |  | 33699086 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Appraisal Discrepancies: Use of adjustments that do not reflect market reaction to the differences between the subject property and the comparable sales, not supporting adjustments and failure to make adjustments are considered unacceptable appraisal practices.<br> Failure to Adjust Comparables<br> Inadequate Comparable Adjustment(s)<br> Subject Physical Features Reported Inaccurately - Condition/Quality of Construction<br> Use of Dissimilar Comparable Sale(s) Due to Site Characteristics<br> Use of Physically Dissimilar Comparable Sale(s) - Total Finished Living Area The subject property was [Redacted]years old while [Redacted], [Redacted], [Redacted]and [Redacted]were [Redacted]to [Redacted]years old. Based on the superior ages of the sales, the appraiser should have made an adjustment for the difference between the subject and comparable sale(s).<br> The appraiser made a positive $[Redacted]adjustment(s) for the subject's [Redacted]square foot shop/garage amenity to sales [Redacted], [Redacted], [Redacted]and [Redacted]. The adjustment(s) was not supported with market data.<br> The appraiser inaccurately represented the condition and/or quality of construction of the subject property as updated in [Redacted]condition when evidence obtained from photos and commentary in the appraisal and [Redacted]indicated the subject property was in [Redacted]condition with only some new flooring, appliances and bathroom vanity and tile and dated elements.<br> Comparable sale(s) [Redacted], [Redacted]and [Redacted]were significantly different in site size than the subject property. The subject property had a [Redacted]square foot site while comparable sale(s) had [Redacted], [Redacted]and [Redacted]acres, respectively. The appraiser did not provide an adequate explanation as to why the comparable sale(s) were used. Two sales more similar in site size from the subject's subdivision were available.<br> Comparable sale(s) [Redacted], [Redacted], [Redacted], [Redacted]and [Redacted]were superior to the subject property in total above-grade finished square footage and below grade finished square footage. The subject had [Redacted]square feet of gross living area and no basement. Conversely, sales [Redacted], [Redacted], [Redacted]and [Redacted]had between [Redacted]-[Redacted]square feet of gross living area and finished basements between [Redacted]-[Redacted] square feet. Also, sale [Redacted]had [Redacted]square feet of gross living area. The appraiser has not provided an adequate explanation why the specific comparable(s) were used. [Redacted]sales without basements and more similar in gross living area were available in the subdivision. |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 2 B | B | B |  | WY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619841 | XX | XX |  | 33699087 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | All comparables being used exceed gross adjustments of [Redacted]%, the adjustments for quality differ as do the adjustments for the [Redacted]/[Redacted][Redacted], no adjustment was made for comp [Redacted]for square footage but was for comp [Redacted], comp [Redacted], [Redacted]and [Redacted], all sold over [Redacted]months from subject. Comp [Redacted]is over [Redacted] miles away. |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 3 C | C | C |  | WY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619841 | XX | XX |  | 33699088 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 3 C | C | C |  | WY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619842 | XX | XX |  | 33699089 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: [Redacted]Final is incomplete |  | Signature missing |  |  |  | Reviewer Comment (2024-07-19): Received Final [Redacted] . Exception cleared.<br>Seller Comment (2024-07-19): see attached [Redacted] | 07/19/2024 |  |  | 1 C A | C | A C |  | CT | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 223619842 | XX | XX |  | 33699091 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Safe Harbor QM ([Redacted]-Q). | Loan Designation is Exempt from ATR. |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [Redacted] CFR [Redacted] .<br>Reviewer Comment (2024-08-06): Please provide signed attestation of exemption/bond loan<br>Seller Comment (2024-07-19): what are you needing on this? | 08/07/2024 |  |  | 1 B A C | B | A C B |  | CT | Primary | Purchase | Lender to provide updated ATR/QM status C B | Exempt from ATR | Exempt from ATR | Yes |
| 223619842 | XX | XX |  | 33699092 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Investor declined to purchase the loan due to Guidelines not being met: Per Connecticut Housing Finance Authority, the borrower's income exceeds the limit; therefore, not eligible to use the program. <br> Additionally, the file closed prior to obtaining the Commitment Letter from the investor." |  |  |  | Reviewer Comment (2024-07-11): S&D reason |  |  |  | 2 B | B | B |  | CT | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 223619842 | XX | XX |  | 33699093 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Missing Occupancy Rider & Tax Exempt Financing Rider |  |  |  | Reviewer Comment (2024-07-19): Received Occupancy Rider & Tax-Exempt Financing Rider, Exception cleared.<br>Seller Comment (2024-07-19): see attached riders | 07/19/2024 |  |  | 1 C A | C | A C |  | CT | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699094 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-12): Received Desk Review, Exception Cleared<br>Reviewer Comment (2024-07-23): Moved to buyer queue for consideration.<br>Seller Comment (2024-07-19): [Redacted] down to [redacted] rating - [redacted] is not responsible for secondary valuations on S&D sales | 08/12/2024 |  |  | 1 D A | D | A D |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699095 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - [Redacted]% Method | Qualified Mortgage (Dodd-Frank [Redacted]): Rental income documentation requirement not met for [Redacted]-[Redacted]. Lease Agreement not provided or % of gross rents used is greater than [Redacted]%. | Valid association. Operating Income Statement is used to calculate rental income for subject property. |  |  |  | Reviewer Comment (2024-07-23): cleared with receipt of leases<br>Seller Comment (2024-07-19): Income Calc Worksheet<br>Seller Comment (2024-07-19): Lease Agreements | 07/23/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699096 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to QM failure. This exception will be cleared when all QM related exceptions are cleared. |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [Redacted] CFR [Redacted] .<br>Reviewer Comment (2024-08-06): Please provide signed attestation for exemption desigination<br>Reviewer Comment (2024-08-06): School does not meet Safe Harbor QM requirements for ATR<br>Seller Comment (2024-07-26): being a student and then entering the workforce counts towards work history - requirement met<br>Reviewer Comment (2024-07-23): Missing [Redacted] year employment history required for QM<br>Seller Comment (2024-07-19): this should be cleared with documentation provided | 08/07/2024 |  |  | 1 B A C | B | A C B |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Exempt from ATR | Exempt from ATR | Yes |
| 223619843 | XX | XX |  | 33699097 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted]on the Loan Estimate, but was disclosed as $[Redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2024-07-22): [Redacted] received earliest e-signed consent.<br>Seller Comment (2024-07-19): Rate was locked and redisclosed on the Loan Estimate dated [Redacted] which reflected the increased fee | 07/22/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes |
| 223619843 | XX | XX |  | 33699098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank [Redacted]): Employment history requirement not met. | Employment history requirement not met. |  |  |  | Reviewer Comment (2024-08-07): Subject transaction is an extension of credit made pursuant to a program administered by a Housing Finance Agency, as defined under [Redacted] CFR [Redacted] .<br>Reviewer Comment (2024-08-06): School does not meet Safe Harbor QM requirements for ATR<br>Seller Comment (2024-07-26): student counts towards employment - [Redacted] year history is met<br>Reviewer Comment (2024-07-23): Missing [Redacted] year history of employment<br>Seller Comment (2024-07-19): please advise how employment history was not met - education (student), prior and current employment captured | 08/07/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [Redacted]([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  | Reviewer Comment (2024-07-22): [Redacted] received earliest e-signed consent.<br>Seller Comment (2024-07-19): eConsent document | 07/22/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699100 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - "Investor (MassHousing) rejected the loan for purchase due to the borrowers inability to occupy the property within [Redacted]days of consummating the transaction, they are not compliant with MassHousing guidelines and the guidelines outlined in our mortgage rider.<br>Unfortunately the borrower has been trying to get the tenant to move out as evidenced by the notice of quit and the eviction notice but as of yet they have been unsuccessful." |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619843 | XX | XX |  | 33699101 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [Redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2024-08-06): Updated appraisals are required to be provided if the borrower did not waive them<br>Seller Comment (2024-07-26): there was nothing to deliver to the borrower as the [Redacted] updated report was only for a seller credit correction.<br>Reviewer Comment (2024-07-23): Appraisal was updated on [Redacted] and no proof it was provided to the borrower has been provided<br>Seller Comment (2024-07-19): Appraisal was received and sent to borrower on the same day ([Redacted]) - appraisal report was dated [Redacted] |  |  |  | 2 B | B | B |  | MA | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No |
| 223619844 | XX | XX |  | 33699104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after[Redacted] contains a change in APR and loan product and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-07-30): [Redacted] received lender attestation that incomplete CD was not disclosed. Documents provided to TPR are assumed disclosed to consumers and are only removed from testing upon lender attestation if a disclosure was not provided and if no proof of receipt by borrower indicated in file.<br>Seller Comment (2024-07-26): see attached<br>Seller Comment (2024-07-26): what you are referencing is what the Title company provided for fees to be disclosed - you can see per the attached that this was NEVER delivered and all docs are dated the same date/time from title company. In addition, you can see from the disclosure tracking in the file that this was never released to the borrower.<br>Reviewer Comment (2024-07-23): The document referenced is the incomplete CD in file with blank Date Issued, Closing Date, Product, and [Redacted] % interest, $[Redacted] Payments and blank page 5 loan calculations table. If CD was not provided to consumer, please provide an attestation indicating incomplete CD in file with blank Date Issued, Closing Date, Product, and [Redacted] % interest, $[Redacted] Payments and blank page [Redacted] loan calculations table was not provided to consumer to be excluded from testing.<br>Seller Comment (2024-07-23): please provide the actual documents you are referring to for ID [Redacted] / [Redacted]<br>Reviewer Comment (2024-07-22): Documents ID [Redacted] and [Redacted] are incomplete. If the CDs is not provided to the borrower, please provide Letter of Attestation indicating the document ID [Redacted] and [Redacted] were never provided to the borrower and [Redacted] will review for re-testing.<br>Seller Comment (2024-07-19): Loan Estimate: [Redacted] = APR [Redacted] %<br> Initial CD: [Redacted] = APR [Redacted] %<br> Final CD:[Redacted] = APR [Redacted] %<br> Difference from LE to CD = [Redacted] % which is within tolerance as all documents were disclosed as CONV - Fixed - Purchase | 07/30/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619844 | XX | XX |  | 33699105 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on[Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Information is updated as per the document. Issue date was not available with the CD |  |  |  | Reviewer Comment (2024-07-30): [Redacted] received lender attestation that incomplete CD was not disclosed. Documents provided to TPR are assumed disclosed to consumers and are only removed from testing upon lender attestation if a disclosure was not provided and if no proof of receipt by borrower indicated in file.<br>Reviewer Comment (2024-07-29): [Redacted] received copy of incomplete CD. please provide an attestation indicating incomplete CD in file with blank Date Issued, Closing Date, Product, and 0% interest, $[Redacted] Payments and blank page [Redacted] loan calculations table was not provided to consumer to be excluded from testing.<br>Seller Comment (2024-07-26): see other upload<br>Reviewer Comment (2024-07-23): The document referenced is the incomplete CD in file with blank Date Issued, Closing Date, Product, and 0% interest, $[Redacted] Payments and blank page [Redacted] loan calculations table. If CD was not provided to consumer, please provide an attestation indicating incomplete CD in file with blank Date Issued, Closing Date, Product, and [Redacted] % interest, $[Redacted] Payments and blank page 5 loan calculations table was not provided to consumer to be excluded from testing.<br>Seller Comment (2024-07-23): please provide the documents you are referencing as I do not follow your ID [Redacted] / [Redacted] comment<br>Reviewer Comment (2024-07-22): Documents ID [Redacted] and [Redacted] are incomplete. If the CDs is not provided to the borrower, please provide Letter of Attestation indicating the document ID [Redacted] and [Redacted] were never provided to the borrower and [Redacted] will review for re-testing.<br>Seller Comment (2024-07-19): where are you seeing a CD issued [Redacted] - attached are the only CD's released on this loan<br>Seller Comment (2024-07-19): [Redacted] CD | 07/30/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | Good Faith Redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619844 | XX | XX |  | 33699106 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Investor rejected loan for purchase due to Guidelines not being met: This is a HomeOne mortgage loan where the borrower does not meet the FTHB requirement for this product. |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619844 | XX | XX |  | 33699107 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is not a first time home buyer and therefore does not meet the HomeOne program |  |  |  | Reviewer Comment (2024-07-08): S&D Reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619844 | XX | XX |  | 33699108 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-07-08): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619844 | XX | XX |  | 33699109 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619845 | XX | XX | XX | 33699110 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - DOCS SIGNED PRIOR TO DOC DATE, CD TIMING |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699111 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | VA - Escape Clause is missing. |  |  |  |  |  | Reviewer Comment (2024-08-02): Received | 08/02/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699113 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least [Redacted]([Redacted]) business days prior to closing. | Revised Loan Estimate provided on[Redacted] not received by borrower at least [Redacted]([Redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699116 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | VA QM Eligibility | VA Qualified Mortgage (Dodd-Frank [Redacted]) - Subject loan is not eligible to be insured or guaranteed by VA. | loan is not agency saleable. |  |  |  | Reviewer Comment (2024-08-13): Loan defect prevents it from being agency salable and therefore loan is no longer eligible to be insured<br>Seller Comment (2024-08-09): VA LGC<br>Reviewer Comment (2024-08-08): No longer agency salable<br>Seller Comment (2024-08-07): QM |  |  |  | 3 C | C | C |  | AZ | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699117 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS |  |  |  | Reviewer Comment (2024-08-02): received | 08/02/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619845 | XX | XX | XX | 33699118 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619846 | XX | XX | XX | 33699120 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - [Redacted]month cash-out seasoning req |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699121 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-08-07): Received Property Inspection Report, Exception cleared | 08/07/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699123 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699124 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Property Type is Manufactured and no secondary valuation was provided. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-07): Received Desk Review, Exception Cleared | 08/07/2024 |  |  | 1 D A | D | A D |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699125 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application [Redacted]-A was not provided within [Redacted]days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699126 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [Redacted]/[Redacted]was not provided. |  |  |  |  |  | Reviewer Comment (2024-08-12): Received HUD letter, not the same as [Redacted] /completion cert<br>Seller Comment (2024-08-07): HUD letter<br>Seller Comment (2024-08-07): appraisal was not subject to value impact items; only HUD label and plate information required |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699128 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $1,706.25 exceeds tolerance of $1,470.00. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Non QM | Yes |
| 223619846 | XX | XX | XX | 33699130 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Non QM | Yes |
| 223619846 | XX | XX | XX | 33699131 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | No Defined Cure B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank [Redacted]): Employment history requirement not met. | LOE for employment gap is not in file. |  |  |  | Reviewer Comment (2024-08-14): restated designation<br>Reviewer Comment (2024-08-13): Loan was submitted as Safe Harbor QM and is missing a complete [Redacted] year history of employment.<br>Seller Comment (2024-08-07): gap | 08/14/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699133 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [Redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | Not Agency Saleable. |  |  |  | Reviewer Comment (2024-08-14): restated designation<br>Reviewer Comment (2024-08-13): No longer agency salable<br>Seller Comment (2024-08-07): QM designation | 08/14/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | LOE for gap in employment is not in file. |  |  |  | Reviewer Comment (2024-08-14): restated designation | 08/14/2024 |  |  | 1 B A C | B | A C B |  | FL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D C B | Safe Harbor QM | Non QM | Yes |
| 223619846 | XX | XX | XX | 33699135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [Redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | Complete [Redacted]year history not provided |  |  |  | Reviewer Comment (2024-08-14): restated designation<br>Reviewer Comment (2024-08-13): Loan was submitted as Safe Harbor QM and is missing a complete [Redacted] year history of employment.<br>Seller Comment (2024-08-07): borrower hit for losses; [Redacted] and [Redacted] returns in file; concur not signed<br>Reviewer Comment (2024-08-02): Received same income documentation, missing signed and dated returns | 08/14/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699136 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [Redacted]): Total Debt to Income Ratio exceeds [Redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI exceeds [Redacted]% |  |  |  | Reviewer Comment (2024-08-14): restated designation | 08/14/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699137 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619846 | XX | XX | XX | 33699138 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Rate/Term | D C B | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699139 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  | General Services Administration document is missing in file. |  |  |  | Reviewer Comment (2024-08-02): Received | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699140 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation (LDP) not provided |  | LDP document is missing in file. |  |  |  | Reviewer Comment (2024-08-02): Received | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699141 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification document is missing in file. |  |  |  | Reviewer Comment (2024-08-02): Received | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699143 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | Secondary valuation is missing |  |  |  | Reviewer Comment (2024-08-07): Received Desk Review, Exception Cleared | 08/07/2024 |  |  | 1 D A | D | A D |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699144 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Borr/Mtg Eligibility - The property was subject to a [Redacted]day FHA flipping rule. A second appraisal was required but not obtained. |  |  |  | Reviewer Comment (2024-08-02): S&D |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [Redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | loan is not agency saleable. |  |  |  | Reviewer Comment (2024-08-15): Restated designation<br>Reviewer Comment (2024-08-13): No longer agency saleable<br>Seller Comment (2024-08-07): QM designation | 08/15/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | DTI is excessive due to lender using YTD bonus and overtime income. Used [Redacted]year + YTD due to WVOE showing it's likely to continue. |  |  |  | Reviewer Comment (2024-08-15): Restated designation<br>Reviewer Comment (2024-08-02): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | 08/15/2024 |  |  | 1 B A C | B | A C B |  | MN | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM | Non QM | Yes |
| 223619847 | XX | XX | XX | 33699147 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[Redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-08-15): Restated designation | 08/15/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [Redacted]): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI is excessive due to lender using YTD bonus and overtime income. Used [Redacted]year + YTD due to WVOE showing it's likely to continue. |  |  |  | Reviewer Comment (2024-08-15): Restated designation<br>Reviewer Comment (2024-08-13): DTI exceeds [Redacted] %, loan was submitted as Safe Harbor QM and DTI cannot exceed [Redacted] %<br>Seller Comment (2024-08-07): UW income comments on [Redacted] | 08/15/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699149 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-08-02): updated income | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699150 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | DTI is excessive due to lender using YTD bonus and overtime income. Used 1 year + YTD due to WVOE showing it's likely to continue. |  |  |  | Reviewer Comment (2024-08-02): Received income worksheets | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699151 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___. | Borrower is short funds to close and has no reserves. |  |  |  | Reviewer Comment (2024-08-25): provide post closing DU showing reserve requirement for buyer to review<br>Seller Comment (2024-08-21): please confirm if you will accept a post close re-run DU<br>Reviewer Comment (2024-08-15): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[Redacted] is less than AUS Available for Reserves of $[Redacted] . |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699152 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower is short funds to close and has no reserves. |  |  |  | Reviewer Comment (2024-08-15): Appraisal invoice received and cash to close requirement met , Exception cleared<br>Seller Comment (2024-08-14): please provide calculation from cash from borrower <br> I'm not seeing anythine near $[Redacted]<br>Seller Comment (2024-08-14): invoice<br>Reviewer Comment (2024-08-13): Missing invoice showing appraisal fee paid outside of closling<br>Reviewer Comment (2024-08-13): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted] .<br>Seller Comment (2024-08-07): invalid condition | 08/15/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699153 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2024-08-02): updated income | 08/02/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619847 | XX | XX | XX | 33699154 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | MN | Primary | Purchase | D C B A | Safe Harbor QM | Non QM | No |
| 223619848 | XX | XX | XX | 33699156 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-08-02): Received proof of receipt | 08/02/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Non QM | No |
| 223619848 | XX | XX | XX | 33699157 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - LN FAILS FREDDIE MAC PTS AND FEE TESTING |  |  |  | Reviewer Comment (2024-07-17): S&D |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619848 | XX | XX | XX | 33699158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Not agency saleable |  |  |  | Reviewer Comment (2024-08-14): restated designation<br>Reviewer Comment (2024-08-13): Loan was submitted as Safe Harbor QM and failed<br>Seller Comment (2024-08-07): QM fail is known defect | 08/14/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Non QM | Yes |
| 223619848 | XX | XX | XX | 33699159 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[Redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-08-14): restated designation | 08/14/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619848 | XX | XX | XX | 33699160 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699162 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | Reviewer Comment (2024-08-07): Received Property Inspection Report, Exception Cleared | 08/07/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699163 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documentation of the source of funds and transfer of funds for the gifts borrower received, are not in file. |  |  |  | Reviewer Comment (2024-08-02): received evidence of gift funds | 08/02/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699166 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: MIN REQ INVESTMENT NOT MET ON IDHA [Redacted]-[Redacted] |  |  |  | Reviewer Comment (2024-07-17): S&D reaason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699167 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Documentation of the source of funds and transfer of funds for the gifts borrower received, are not in file. |  |  |  | Reviewer Comment (2024-08-02): received evidence of gift and required docs | 08/02/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699168 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. | Not agency saleable. |  |  |  | Reviewer Comment (2024-08-15): Restated designation<br>Reviewer Comment (2024-08-13): DTI exceeds [Redacted] %<br>Seller Comment (2024-08-12): Can you please clarify your finding of non-QM loan <br> our compliance testing shows the loan is QM eligible<br>Reviewer Comment (2024-08-08): Submitted as Higher Priced and due diligence finding is Non-QM<br>Reviewer Comment (2024-08-08): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk.<br>Seller Comment (2024-08-07): QM type | 08/15/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM | Non QM | Yes |
| 223619849 | XX | XX | XX | 33699169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [Redacted]): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Not agency saleable. |  |  |  | Reviewer Comment (2024-08-15): Restated designation | 08/15/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699170 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Appears lender used rent on subject property but this is a primary purchase, unable to determine if borrower will be renting room out. |  |  |  | Reviewer Comment (2024-08-08): Received lease<br>Seller Comment (2024-08-07): lease for rental unit; rent credit given by seller at time of closing | 08/08/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-08-08): Received lease | 08/08/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI failure |  |  |  | Reviewer Comment (2024-08-08): Received lease | 08/08/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619849 | XX | XX | XX | 33699173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Purchase | C B A | Higher Priced QM | Non QM | No |
| 223619850 | XX | XX | XX | 33699176 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - INAPPROPRIATE COMPARE SALES |  |  |  | Reviewer Comment (2024-07-17): S&D reason |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 223619850 | XX | XX | XX | 33699178 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank [Redacted]): Missing Employment Dates to verify two years employment history for current and/or prior employment. | Missing prior VVOE |  |  |  |  |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| 223619851 | XX | XX | XX | 33699180 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2024-08-07): Hazard Insurance Policy Effective Date is same as loan was disbursed | 08/07/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D B C A | Safe Harbor QM | Non QM | No |
| 223619851 | XX | XX | XX | 33699181 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted]valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-07): Received Desk Review, Exception Cleared | 08/07/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Purchase | D B C A | Safe Harbor QM | Non QM | No |
| 223619851 | XX | XX | XX | 33699183 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Appraisal does not meet FNMA guidelines. |  |  |  | Reviewer Comment (2024-07-17): S&D Reason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | D B C A | Safe Harbor QM | Non QM | No |
| 223619851 | XX | XX | XX | 33699184 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Not agency saleable |  |  |  | Reviewer Comment (2024-08-15): Restated designation<br>Reviewer Comment (2024-08-13): Submitted as Safe Harbor QM<br>Seller Comment (2024-08-07): QM designation | 08/15/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM | Non QM | Yes |
| 223619851 | XX | XX | XX | 33699185 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [Redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-08-15): Restated designation | 08/15/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D B C A | Safe Harbor QM | Non QM | No |
| 223619851 | XX | XX | XX | 33699186 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Purchase | D B C A | Safe Harbor QM | Non QM | No |
| 223619852 | XX | XX | XX | 33699188 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [Redacted] |  | Secondary Valuation is missing from the file. |  |  |  | Reviewer Comment (2024-08-19): Received BPO<br>Reviewer Comment (2024-08-15): Valuation ordered per client<br>Seller Comment (2024-08-14): known defect | 08/19/2024 |  |  | 1 D A B | D | A C D |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699189 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [Redacted]days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Informational exception, policy to expire shortly after closing |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699190 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Missing FNMA PDC report/FYI: Land Trust |  |  |  | Reviewer Comment (2024-07-17): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699191 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[Redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-08-13): Restated to Safe Harbor QM (APOR) | 08/13/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Not agency Saleable. |  |  |  | Reviewer Comment (2024-08-13): Restated to Safe Harbor QM (APOR)<br>Seller Comment (2024-08-13): Can you please provide your testing for comparison?<br>Reviewer Comment (2024-08-12): Reviewed as safe harbor QM, did not pass<br>Seller Comment (2024-08-07): QM designation | 08/13/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Safe Harbor QM | Safe Harbor QM (APOR) | Yes |
| 223619852 | XX | XX | XX | 33699193 |  | Credit | Guideline | Guideline Issue | Guideline | Title is Vested in a Trust. Required documentation is missing or does not meet the criteria per the guidelines. |  | Loan is in a land trust, vesting in a land trust not allowed. |  |  |  | Reviewer Comment (2024-07-17): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Restated to Safe Harbor QM (APOR) |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619852 | XX | XX | XX | 33699195 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. No supporting secondary valuation with effective date within [Redacted]months of note date was provided. A supporting secondary valuation with effective date between [Redacted]and [Redacted]months past note date was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-08-25): Buyer to review<br>Seller Comment (2024-08-20): this was the known defect cited at bid. We were missing the property data report as required by AUS findings |  |  |  | 3 A B |  | A D |  | IL | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM | Safe Harbor QM (APOR) | No |
| 223619853 | XX | XX | XX | 33699198 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-08-07): Received Condo Warranty Form, exception cleared.<br>Seller Comment (2024-08-07): condo warranty | 08/07/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619853 | XX | XX | XX | 33699199 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Borrower qualified on commission income with less than [Redacted]months receiving, per Freddie guidelines states [Redacted]months of receiving no less than months to be used to qualify. |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619853 | XX | XX | XX | 33699200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Due to excessive DTI |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 3 B C | B | B C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM | ATR Risk | Yes |
| 223619853 | XX | XX | XX | 33699201 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[Redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619853 | XX | XX | XX | 33699202 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Commission income is not justified with less than [Redacted]years of receipt |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619853 | XX | XX | XX | 33699203 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds guidelines due to commission income not being allowed |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619853 | XX | XX | XX | 33699204 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [Redacted]): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [Redacted]-B.) | DTI exceeds guidelines due to commission income not being allowed |  |  |  | Reviewer Comment (2024-07-16): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM | ATR Risk | No |
| 223619854 | XX | XX | XX | 33699206 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-08-08): Received Title Final Report, Exception cleared | 08/08/2024 |  |  | 1 A | A | A |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | N/A | No |
| 223619854 | XX | XX | XX | 33699207 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Rental and variable income calculation errors. Unsourced large deposits. |  |  |  | Reviewer Comment (2024-07-11): S&D Reason |  |  |  | 2 B | B | B |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | N/A | No |
| 223619854 | XX | XX | XX | 33699208 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2024-08-08): Received Title Final Report, Exception cleared<br>Seller Comment (2024-08-08): Correct policy<br>Reviewer Comment (2024-07-24): Uploaded Final Title does not belong to subject property, exception remains.<br>Seller Comment (2024-07-23): Final Title | 08/08/2024 |  |  | 1 C A | C | A C |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | N/A | No |
| 223619854 | XX | XX | XX | 33699209 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | N/A | No |
| 223619854 | XX | XX | XX | 33699210 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted]based on deal settings. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | N/A | No |
| 223619855 | XX | XX | XX | 33699212 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-07-23): Per client email [Redacted] Okay to waive |  |  | 07/23/2024 | 3 D | D | D |  | TX | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619855 | XX | XX | XX | 33699214 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619855 | XX | XX | XX | 33699215 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619855 | XX | XX | XX | 33699216 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - FNMA Audit for missing 1004D and collateral conditions. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619855 | XX | XX | XX | 33699217 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted]([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619855 | XX | XX | XX | 33699218 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-07-29): Received Property Inspection Report, Exception Cleared | 07/29/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619856 | XX | XX | XX | 33699220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Original Loan Amount. Points and Fees total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2024-08-08): Re-designated loan | 08/08/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699221 |  | Compliance | Compliance | Federal Compliance | Compliance | VA Closing Costs - TRID | VA Qualified Mortgage (Dodd-Frank [Redacted]) - The total of all financed fees exceeds the amount allowed. Max allowed Financed Fees: $[Redacted]. Actual Financed Fees: $[Redacted]. |  |  |  |  | Reviewer Comment (2024-08-08): Re-designated loan | 08/08/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699222 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2024-07-23): Per client email [Redacted] Okay to Waive |  |  | 07/23/2024 | 3 B C | B | B C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619856 | XX | XX | XX | 33699223 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | VA QM Eligibility | VA Qualified Mortgage (Dodd-Frank [Redacted]) - Subject loan is not eligible to be insured or guaranteed by VA. | Subject loan is not eligible to be insured or guaranteed by VA. |  |  |  | Reviewer Comment (2024-07-23): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699224 |  | Credit | Document Error | General | Document Error | Documentation in the loan file contradicts the occupancy the veteran indicated on the VA Loan Disbursement Form [Redacted]-[Redacted]. |  | Borrower checked "I previously occupied the property securing this loan as my home" |  |  |  | Reviewer Comment (2024-07-23): Per client email [Redacted] Okay to waive |  |  | 07/23/2024 | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699225 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - GNMA Seasoning not met. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699226 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met |  | Loan does not meet the [Redacted]day seasoning requirements for VA refinances |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619856 | XX | XX | XX | 33699227 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] [Redacted]- [Redacted]% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Original Loan Amount. Points and Fees total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  |  |  |  |  |  | 2 B |  | B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619856 | XX | XX | XX | 33699228 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [Redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-designated loan |  |  |  |  |  |  |  | 2 A B |  | B A |  | MD | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619857 | XX | XX | XX | 33699229 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Investor overlay on a jumbo product. The borrower was not on a job for [Redacted]months at closing time. |  |  |  | Reviewer Comment (2024-07-09): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619857 | XX | XX | XX | 33699230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [Redacted]Underdisclosed - [Redacted][Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted]of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| 223619857 | XX | XX | XX | 33699231 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619857 | XX | XX | XX | 33699233 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-07-24): Received Verification of Employment within [Redacted] business days of the Note, exception cleared.<br>Seller Comment (2024-07-23): VOE for Borrower and Co-borrower | 07/24/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619857 | XX | XX | XX | 33699234 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM | No |
| 223619858 | XX | XX | XX | 33699235 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2024-08-14): Work number- employment provided , exception cleared<br>Seller Comment (2024-08-13): VVOE | 08/14/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619858 | XX | XX | XX | 33699237 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Loan was eligible for an appraisal waiver, there was an unexpired appraisal in UCDP database which voided the waiver eligibility. The appraisal we rcvd on[Redacted] showed a value of $[Redacted]vs the value submitted to LPA on [Redacted] of $[Redacted]. The adjusted value resulted in a [Redacted]% LTV which would require MI. |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619858 | XX | XX | XX | 33699238 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Originator Company License Status Not Approved | Unable to test LO company status due to missing information. | Does not appear to be licensed in [redacted] at time of origination |  |  |  | Reviewer Comment (2024-08-26): Reviewed and due to federally licensed, cleared<br>Reviewer Comment (2024-08-26): for review<br>Seller Comment (2024-08-21): Attorney letter regarding state licensing<br>Seller Comment (2024-08-21): Page [Redacted] of the [Redacted] Compliance Report reflects Pass result for License Review and NMLS Review (page [Redacted] of credit file). Also provided is letter from Seller's legal department verifying which States the Seller is exempt from, including [Redacted] - [Redacted] : Under the [Redacted] , a company is exempt from licensing if it is a wholly-owned subsidiary of a bank, the deposits of which are federally insured. [Redacted] § [Redacted] . Because of its status as a wholly-owned subsidiary of [Redacted] is exempt from licensing, both at the company level and the branch level. | 08/26/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619858 | XX | XX | XX | 33699239 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619858 | XX | XX | XX | 33699240 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The title policy amount is the same as the mortgage and note; however, the mortgage amount listed on the title (#[Redacted]) is for $[Redacted]while actual note and mortgage is $[Redacted] |  |  |  |  |  |  |  | 3 C |  | C |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619859 | XX | XX | XX | 33699241 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-07-23): Per client email [Redacted] Okay to waive |  |  | 07/23/2024 | 3 D | D | D |  | FL | Primary | Purchase | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619859 | XX | XX | XX | 33699242 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank [Redacted]): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | Reviewer Comment (2024-07-31): Per client email [Redacted] okay to waive |  |  | 07/31/2024 | 3 C | C | C |  | FL | Primary | Purchase | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619859 | XX | XX | XX | 33699243 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Issue date not provided on the CD hence took the date on assumption and considered the CD as initial. The Initial Closing Disclosure provided is incomplete as it is missing data on [Redacted](date issued date, loan terms, & projected payments sections), page [Redacted](LE column data) and page [Redacted](loan calculations section). |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | Good Faith Redisclosure D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619859 | XX | XX | XX | 33699245 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-07-08): Sufficient Cure Provided At Closing |  | 07/08/2024 |  | 1 A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619859 | XX | XX | XX | 33699246 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619859 | XX | XX | XX | 33699247 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Ineligible source of income. Loan was qualified w/ $[Redacted]mo inc from a credit union's money market savings acct - not a money market mutual fund. Additionally, GL's state we need [Redacted]of tax returns and that the dividend, interest, & capital gains can be used if a [Redacted]history has been documented - neither obtained. Borrower obtained new debt that was not disclosed at time of closing-car loan. Borrower received a loan modification to [Redacted]Year term. First payment date of [Redacted] and maturity date of [Redacted]. \*See attached Loan Modification Agreement |  |  |  | Reviewer Comment (2024-07-11): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619859 | XX | XX | XX | 33699248 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Purchase | D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699249 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-08-23): Updated input with documents<br>Seller Comment (2024-08-20): The borrower is self-employed and has [Redacted] % ownership of [Redacted] , which is a [redacted], and paid a W2 compensation as well as distributions, this would be considered self-employed. The [Redacted] SOS shows the business incorporated in [Redacted] ; however, for the State of [redacted], there is a fee required to verify if the business is still in good standing. The file also contains xx confirmation dated[Redacted] that confirms the restaurant, [Redacted] , Restaurant & Bar is licensed and valid through [Redacted] .<br>Reviewer Comment (2024-08-15): This is due to reliable third party records for current [redacted] status<br>Seller Comment (2024-08-13): Page [Redacted] of the Master Policy includes coverage for betterments and improvements - reuploaded.<br>Seller Comment (2024-08-13): [Redacted] - Fuller - Final Compliance Report | 08/23/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699250 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable [Redacted]-party records. |  |  |  |  | Reviewer Comment (2024-08-23): Updated input<br>Seller Comment (2024-08-20): The Schedule 'C' income as realtor is considered self-employed - the State of [Redacted] confirms a current active RE license since [Redacted] and valid through [Redacted] , which would be the third-party verification. | 08/23/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699251 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619860 | XX | XX | XX | 33699252 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2024-07-23): Per client email [Redacted] Okay to Waive |  |  | 07/23/2024 | 3 B C | B | B C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619860 | XX | XX | XX | 33699254 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2024-08-21): Telephone listings received, exception cleared<br>Seller Comment (2024-08-20): The borrower is self-employed and has [Redacted] % ownership of [Redacted] , which is a [redacted], and paid a W2 compensation as well as distributions. This would be considered self-employment, verification of employment would be verified with the tax returns and W2s for the compensation of officers. Third party-documentation provided to verify self-employment.<br>Reviewer Comment (2024-08-14): The verification of employment is required and was not found in file.. [Redacted] // Employment Type: Employment / Income Type: Wages / Start Date: [Redacted] . Please provide verification of employment, Exception remains<br>Seller Comment (2024-08-13): VVOE | 08/21/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699255 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Forced repurchase due to occupancy concerns by same investor. |  |  |  | Reviewer Comment (2024-07-15): S&D reason |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699256 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-07-15): Sufficient Cure Provided At Closing |  | 07/15/2024 |  | 1 A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619860 | XX | XX | XX | 33699257 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-08-21): Telephone listings received, exception cleared<br>Seller Comment (2024-08-20): The borrower is self-employed and has [Redacted] % ownership of[Redacted] , which is a [redacted], and paid a W2 compensation as well as distributions. This would be considered self-employment and there would be no Verbal Verification of Employment as this applies to W2 salary. Third party-documentation provided to verify self-employment; however, it was not within [Redacted] days of Note date, this cannot be cured. Please consider to move to Open-Unable to Clear.<br>Reviewer Comment (2024-08-14): The verification of employment is not within [Redacted] business days of the Note. [Redacted] // Employment Type: Employment / Income Type: Wages / Start Date: [Redacted] . Please provide verification of employment, Exception remains<br>Seller Comment (2024-08-13): VVOE | 08/21/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699258 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-08-23): updated input<br>Seller Comment (2024-08-22): Please review - this is based on the exceptions for Verbal Verification of employment and missing third-party documentation for self-employment on the [Redacted] and Schedule 'C', which has been provided. | 08/23/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699259 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-[Redacted]policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | Reviewer Comment (2024-08-15): Policy lists owner's fixtures and improvements and betterments | 08/15/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619860 | XX | XX | XX | 33699260 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619861 | XX | XX | XX | 33699262 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619861 | XX | XX | XX | 33699263 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Second Home | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619861 | XX | XX | XX | 33699265 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Appraisal comps don't support property value. Encroachment issue |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 B | B | B |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619861 | XX | XX | XX | 33699266 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619861 | XX | XX | XX | 33699267 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | Bed/bath count and gross adjustments are larger than should be expected with no explanation by appraiser. |  |  |  | Reviewer Comment (2024-07-23): S&D reason<br>Seller Comment (2024-07-22): Hello - this was also the self reported defect along with the encroachment issues.<br> "Appraisal comps don't support property value. Encroachment issue". <br> Please update condition accordingly. Thanks. |  |  |  | 3 C | C | C |  | NY | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699268 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Subject property was appraised on [Redacted]prior to the FEMA disaster (HURRICANE IAN) dated[Redacted] through [Redacted]. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged |  |  |  | Reviewer Comment (2024-08-12): Document received, exception cleared<br>Reviewer Comment (2024-07-29): buyer review<br>Seller Comment (2024-07-24): [Redacted] will be obtaining. Thanks. | 08/12/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699269 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted] ([Redacted]) business days prior to consummation. | Verification of the borrower's receipt of the appraisal is missing from the file. |  |  |  | Reviewer Comment (2024-07-29): received proof of delivery<br>Seller Comment (2024-07-29): Please see borrower acknowledgement of receipt of appraisal. Thanks. | 07/29/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699270 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/26/2022 not received by borrower at least four (4) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2024-07-24): [Redacted] received proof of earlier electronic receipt<br>Seller Comment (2024-07-22): Please refer to Compliance Events Timeline disclosure tracking. Thanks.<br>Seller Comment (2024-07-22): Hello - Initial cd sent/received on [Redacted] & final CD signed on [Redacted] . Thanks | 07/24/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2024-07-23): [Redacted] received disclosure summary for initial CD.<br>Seller Comment (2024-07-22): Hello - Initial cd sent/received on [Redacted] & final CD signed on [Redacted] Thanks<br>Seller Comment (2024-07-22): Hello - Initial cd sent/received on [Redacted] & final CD signed on [Redacted] . Thanks | 07/23/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699272 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - [Redacted](f)([Redacted]) Cure | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-07-11): Sufficient Cure Provided within [Redacted] Days of Closing |  | 07/11/2024 |  | 1 A | A | A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619862 | XX | XX | XX | 33699273 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Qualifying asset balance discrepancy. |  | Calculated qualifying asset balance of $[Redacted]is less than AUS qualifying asset balance of $[Redacted]. |  |  |  | Reviewer Comment (2024-07-23): Updated with bank statement<br>Seller Comment (2024-07-22): Hello - Borrower has retirement account with [redacted] Widows. Exchange rate is located on page [Redacted] & [Redacted] . Statement is at end of doc. Thanks. | 07/23/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699274 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - The home was built on the neighbors vacant lot. An modified deed was executed with lots swapped to reflect the accurate legal description that the home is built on. |  |  |  | Reviewer Comment (2024-07-18): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619862 | XX | XX | XX | 33699275 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The warranty deed indicates property with APN of [Redacted], Tract [Redacted]Unit No [Redacted]; however the Mortgage, Title and appraisal show [Redacted]and Tract [Redacted]Unit No. [Redacted] |  |  |  | Reviewer Comment (2024-07-18): S&D reason |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619863 | XX | XX | XX | 33699277 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-08-12): PDI provided. Exception cleared<br>Seller Comment (2024-07-24): [redacted] will be obtaining. | 08/12/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619863 | XX | XX | XX | 33699278 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619863 | XX | XX | XX | 33699279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least [Redacted]([Redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619863 | XX | XX | XX | 33699280 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Occupancy misrep |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619863 | XX | XX | XX | 33699281 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699283 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA Disaster area post-close. There is no declared end date for the disaster as of yet. The file was missing a post-disaster inspection or lender's rep and warranty verifying there was no damage to the subject property. |  |  |  | Reviewer Comment (2024-08-12): PDI provided. Exception cleared<br>Seller Comment (2024-07-29): [redacted] is obtaining<br>Seller Comment (2024-07-29): [redacted] is obtaining.<br>Reviewer Comment (2024-07-29): client review<br>Seller Comment (2024-07-24): [redacted] will be obtaining. | 08/12/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699284 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. | Verification of the borrower's receipt of the appraisal was missing from the file. |  |  |  | Reviewer Comment (2024-07-29): received proof of receipt<br>Seller Comment (2024-07-25): Borrower receipt of appraisal. Thanks. | 07/29/2024 |  |  | 1 B A | B | A B |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699286 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Missing proof borrower received this disclosure in a timely manner. |  |  |  | Reviewer Comment (2024-07-23): [redacted] received disclosure tracking for the [redacted] CD.<br>Seller Comment (2024-07-22): Hello - Compliance Event Timeline shows ICD sent on [redacted] and received the same day. Loan closed on [redacted]. Thanks.<br>Seller Comment (2024-07-22): Compliance Events Timeline shows ICD snet on [redacted] and received the same day. FCD signed on[redacted]. | 07/23/2024 |  |  | 1 B A | B | A B |  | OK | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699287 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least [Redacted]([Redacted]) business days prior to closing. | Missing proof borrower received this disclosure in a timely manner. |  |  |  | Reviewer Comment (2024-07-26): [redacted] received disclosure tracking on disclosure. However, the tracking provided, does not confirm this is borrower's "receipt" of the LE but appears to when the LE was disclosed to borrower by lender. Please provide additional documentation/proof of borrower actual receipt of the LE within [redacted]business days of closing. tracking states "loan-estimate "disclosed at" and date, but not "received at".<br>Seller Comment (2024-07-25): Please see screen print of borrower receipt of Loan Estimates in LOS. Thanks.<br>Reviewer Comment (2024-07-24): Documentation appears to show the disclosure sent and received simultaneously. This would indicate a delivery to an electronic mail box not a review by the borrower. Testing is based on when the borrower reviewed the document, or a [redacted] day "mailbox rule" which makes the assumption the borrower reviewed the documents three days after mailing. Please provide documentation of when the LE was viewed by the borrower.<br>Seller Comment (2024-07-22): Hello - Compliance Event Timeline shows ICD sent on [redacted] and received the same day. Loan closed on [redacted]. Thanks.<br>Seller Comment (2024-07-22): Compliance Events Timeline shows ICD snet on [redacted] and received the same day. FCD signed on [redacted].<br>Seller Comment (2024-07-22): Hello - Compliance Event Timeline confirms LE received same day issued. Thanks. |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699288 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted]not received by borrower at least [Redacted]([Redacted]) business days prior to closing. | Missing proof borrower received this disclosure in a timely manner. |  |  |  | Reviewer Comment (2024-07-26): [redacted] received disclosure tracking on disclosure. However, the tracking provided, does not confirm this is borrower's "receipt" of the LE but appears to when the LE was disclosed to borrower by lender. Please provide additional documentation/proof of borrower actual receipt of the LE within [redacted]business days of closing. tracking states "loan-estimate "disclosed at" and date, but not "received at".<br>Seller Comment (2024-07-25): Please see screen print of borrower receipt of Loan Estimates in LOS. Thanks. |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least [Redacted]([Redacted]) business days prior to closing. | Missing proof borrower received this disclosure in a timely manner. |  |  |  | Reviewer Comment (2024-07-26): [redacted]received disclosure tracking on disclosure. However, the tracking provided, does not confirm this is borrower's "receipt" of the LE but appears to when the LE was disclosed to borrower by lender. Please provide additional documentation/proof of borrower actual receipt of the LE within [redacted]business days of closing. tracking states "loan-estimate "disclosed at" and date, but not "received at".<br>Seller Comment (2024-07-25): Please see screen print of borrower receipt of Loan Estimates in LOS. Thanks.<br>Reviewer Comment (2024-07-24): Documentation appears to show the disclosure sent and received simultaneously. This would indicate a delivery to an electronic mail box not a review by the borrower. Testing is based on when the borrower reviewed the document, or a three day "mailbox rule" which makes the assumption the borrower reviewed the documents [redacted]days after mailing. Please provide documentation of when the LE was viewed by the borrower.<br>Seller Comment (2024-07-22): Hello - Compliance Event Timeline confirms LE received same day issued. Thanks. |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699290 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least [Redacted]([Redacted]) business days prior to closing. | Missing proof borrower received this disclosure in a timely manner. |  |  |  | Reviewer Comment (2024-07-26): [redacted]received disclosure tracking on disclosure. However, the tracking provided, does not confirm this is borrower's "receipt" of the LE but appears to when the LE was disclosed to borrower by lender. Please provide additional documentation/proof of borrower actual receipt of the LE within [redacted]business days of closing. tracking states "loan-estimate "disclosed at" and date, but not "received at".<br>Seller Comment (2024-07-25): Please see screen print of borrower receipt of Loan Estimates in LOS. Thanks.<br>Reviewer Comment (2024-07-24): Documentation appears to show the disclosure sent and received simultaneously. This would indicate a delivery to an electronic mail box not a review by the borrower. Testing is based on when the borrower reviewed the document, or a [redacted] day "mailbox rule" which makes the assumption the borrower reviewed the documents three days after mailing. Please provide documentation of when the LE was viewed by the borrower.<br>Seller Comment (2024-07-22): Hello - Compliance Event Timeline confirms LE received same day issued. Thanks. |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699291 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - LNA only. Cannot be sold traditionally. |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699292 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | [Redacted]/Declarations: D. [Redacted]. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  | Nothing provided by the borrower to explain answering yes to this question. Need documentation for new mortgage, address, payments, etc... |  |  |  | Reviewer Comment (2024-07-29): received LOE<br>Seller Comment (2024-07-22): Please see uploaded LOE from borrower. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619864 | XX | XX | XX | 33699293 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2024-07-29): received<br>Seller Comment (2024-07-22): New rate lock attached to [redacted] LE. Thanks. | 07/29/2024 |  |  | 1 B A | B | A B |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619865 | XX | XX | XX | 33699294 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted]valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-14): Received CDA<br>Seller Comment (2024-07-24): [redacted] will be obtaining. | 08/14/2024 |  |  | 1 D A | D | A D |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619865 | XX | XX | XX | 33699296 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - The subject loan is a [Redacted]purchase of an owner-occupied residence with a [Redacted]% LTV. According to the DU approval #5 and post close CD the final purchase price is $[Redacted]. The post close CD Section N line [Redacted]and [Redacted]reflects seller credit in the amount of $[Redacted]and $[Redacted]for a total of $[Redacted]in seller credit. FNMA guidelines limit interested party contributions (IPC) to 3[Redacted]on a principal residence with a LTV greater than [Redacted]%. In this case, [Redacted]% of $[Redacted]calculates to $[Redacted]. The [Redacted]% IPC has been exceeded by $[Redacted], resulting in an LTV of [Redacted]%. The final CD from the 5/24/23 closing did not include a 1st mtg payoff for the seller however the Seller's final CD did. A[Redacted] PCCD was issued to include the 1st mtg payoff; however due to needing to keep the seller's cash back at the amount they actually received ($[Redacted]) at the[Redacted] closing an additional $[Redacted]Seller Credit was added which created an IPC breach. |  |  |  | Reviewer Comment (2024-07-21): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619865 | XX | XX | XX | 33699297 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | COC in file states fees were updated per settlement statement provided by title company. No reason was provided. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619865 | XX | XX | XX | 33699298 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds AUS high loan to value percentage of ___ | Seller concessions on post closing CD exceed [Redacted]% for LTV above [Redacted]% |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619865 | XX | XX | XX | 33699299 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___. | Seller concessions on post closing CD exceed [Redacted]% for LTV above [Redacted]% |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619865 | XX | XX | XX | 33699300 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___. | Seller concessions on post closing CD exceed [Redacted]% for LTV above [Redacted]% |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619865 | XX | XX | XX | 33699301 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted]that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated[Redacted]). The disclosed Total of Payments in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated total of payments of $[Redacted]which exceeds the $[Redacted] threshold. | TOP is under disclosed |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619865 | XX | XX | XX | 33699302 |  | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | Max seller concessions of [Redacted]% per FNMA on owner occupied with LTV greater than [Redacted]% |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619866 | XX | XX | XX | 33699303 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most recent property inspection report is after the FEMA disaster HURRICANE IDALIA Declaration date [Redacted] with no declared end date [Redacted], File is missing a property inspection or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | Reviewer Comment (2024-08-12): Received Property Inspection Report, Exception Cleared<br>Seller Comment (2024-07-24): [redacted]is obtaining. | 08/12/2024 |  |  | 1 C A | C | A C |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619866 | XX | XX | XX | 33699304 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619866 | XX | XX | XX | 33699305 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Appraisal issues - poor comp choices |  |  |  | Reviewer Comment (2024-07-21): S&D reason |  |  |  | 2 B | B | B |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619866 | XX | XX | XX | 33699306 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Valuation Issue: Subject appraisal comparables do not support value |  | Comparables [Redacted], [Redacted], and [Redacted]have adjustments exceeding [Redacted]% and therefore do not support the value of the subject. |  |  |  | Reviewer Comment (2024-07-21): S&D reason |  |  |  | 3 C | C | C |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619866 | XX | XX | XX | 33699307 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Appraisal done as is; however, appraisal does show there is an open blank to the electric panel with cost to cure of $[Redacted]this does not affect the usability or marketability of the subject property. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619866 | XX | XX | XX | 33699308 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Investment | Purchase | C B | N/A | N/A | No |
| 223619867 | XX | XX | XX | 33699309 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-08-12): PDI provided. Exception cleared<br>Seller Comment (2024-07-29): [redacted]is ordering<br>Seller Comment (2024-07-29): [redacted]is ordering. Thanks.<br>Reviewer Comment (2024-07-29): Client to order<br>Seller Comment (2024-07-24): [redacted]is obtaining. | 08/12/2024 |  |  | 1 C A | C | A C |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699310 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted]business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-07-22): Received VVOE reflecting date of closing, exception cleared.<br>Seller Comment (2024-07-22): WVOE for [redacted] ECR was obtained on [redacted]which was the date of closing. Please see doc uploaded. Thanks. | 07/22/2024 |  |  | 1 C A | C | A C |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699311 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [Redacted]valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-14): Received CDA<br>Seller Comment (2024-07-29): [redacted]is ordering. Thanks.<br>Reviewer Comment (2024-07-29): Nothing to provide from seller<br>Seller Comment (2024-07-24): [redacted]is obtaining. | 08/14/2024 |  |  | 1 D A | D | A D |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699312 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. |  |  |  |  | Reviewer Comment (2024-08-01): [redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-07-31): Please see revised PCCD. Thank you. |  | 08/01/2024 |  | 2 B | B | B |  | WV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619867 | XX | XX | XX | 33699313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Closing Disclosure dated[Redacted] is not signed by borrower. Therefore unable to determine the exact date the CD was provided. |  |  |  | Reviewer Comment (2024-07-26): [redacted]received disclosure tracking for the [redacted]CD.<br>Seller Comment (2024-07-25): Borrower receipt of ICD on [redacted]. | 07/26/2024 |  |  | 1 B A | B | A B |  | WV | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699314 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [Redacted]business days of the Note. |  | The file is missing Third Party Verification of employment for the borrower xx |  |  |  | Reviewer Comment (2024-07-22): Received VVOE reflecting date of closing, exception cleared.<br>Seller Comment (2024-07-22): WVOE for [redacted] ECR was obtained on[redacted]which was the date of closing. Please see doc uploaded. Thanks. | 07/22/2024 |  |  | 1 C A | C | A C |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699315 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Adjustments Not Correctly Applied - The appraiser made $[Redacted]adjustments for site size to sales one and two; however, the appraiser did not appropriately apply the adjustment, which should have been negative, not positive. The appraisal provided no support for the claim that sales one and [Redacted]had inferior site values. Failure to Adjust Comparables - The subject property had a [Redacted]square feet site while sale three had a [Redacted]square foot site, sale four had a [Redacted]square foot site, sale five had a vacre site, and sale [Redacted]had a [Redacted]acre site. Based on the significant differences in site size and the lack of data and analysis to support that no adjustment was warranted, the appraiser should have made an adjustment for the difference between the subject and comparable sale(s). Failure to Adjust Comparables - The subject property was adjacent to railroad tracks at the south lot line while sales one, two, three, four, five, and six did not have any direct negative external influences. Based on the differences in site characteristics, location and view, the appraiser should have made an adjustment for the difference between the subject and comparable sale(s). Inappropriate Comparable Sale(s) Section Due to Location Comparable - Sale(s) [Redacted]was considered inappropriate as it was located distant, in a different city with different schools, and an area of higher sales price without adequate explanation as to why the comparable(s) was used. Subject View or Location Reported Inaccurately - The appraisal inaccurately represented the subject property's location as neutral and residential when aerial mapping indicated that the subject backed to railroad tracks which was adverse due to external obsolescence. |  |  |  | Reviewer Comment (2024-07-21): S&D |  |  |  | 2 B | B | B |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699316 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-07-29): received proof of delivery<br>Seller Comment (2024-07-25): Please see borrower receipt of appraisal. Thanks. | 07/29/2024 |  |  | 1 B A | B | A B |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699317 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-07-29): updated with rerun | 07/29/2024 |  |  | 1 C A | C | A C |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619867 | XX | XX | XX | 33699318 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Fails income doc requirements |  |  |  | Reviewer Comment (2024-07-29): updated with rerun<br>Seller Comment (2024-07-22): VOE obtained day of close uploaded to VOE conditions. Thanks. | 07/29/2024 |  |  | 1 B A C | B | A C B |  | WV | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619867 | XX | XX | XX | 33699319 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | Comparables had adjustments which should have been negative instead of positive which affects overall value of comparables and subject. Comparable [Redacted]and [Redacted](in another city) are greater than [Redacted]miles from the subject and subject is listed as suburban. Comparables [Redacted]-[Redacted]are larger in site size with no adjustments made |  |  |  | Reviewer Comment (2024-07-21): S&D reason |  |  |  | 3 C | C | C |  | WV | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699322 |  | Credit | Document Error | HOA | Document Error | HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio. |  | Appraisal Report missing |  |  |  | Reviewer Comment (2024-07-29): Received HOA documentation<br>Seller Comment (2024-07-23): Please see verification of HOA dues. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699323 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Missing the documentation from lender/seller confirming the condo is warrantable |  |  |  | Reviewer Comment (2024-07-29): Received<br>Seller Comment (2024-07-23): Please see docs to validate warrantable condo. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699324 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS Misisng |  |  |  | Reviewer Comment (2024-07-29): received<br>Seller Comment (2024-07-23): Passing pre & post close AUS (LPA) uploaded to file. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699325 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [Redacted]([Redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699326 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [Redacted]([Redacted]) business days prior to closing |  |  |  | Reviewer Comment (2024-07-30): [redacted]Received Disclosure summary is not legible. unable to read receipt date for initial CD. Provide legible copy of disclosure summary.<br>Seller Comment (2024-07-29): Please see borrower acknowledgement of ICD. Thanks. |  |  |  | 2 B | B | B |  | AL | Second Home | Purchase | No Defined Cure B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2024-08-14): Received rate lock sheet with start rate<br>Seller Comment (2024-08-14): Hello - I have uploaded the breakdown for the bonafide points that is permissible to be excluded. The starting rate & cost to borrower and locked rate and cost to the borrower are both included on our rate charts. The loan is not exceeding QM pts/fees thresholds. <br> In addition, these rate charts have been historically acceptable in past trades as well as acceptable for compliance purposes. Thank you.<br>Reviewer Comment (2024-08-13): Received rate sheet, points and fees still fail [redacted]% testing<br>Reviewer Comment (2024-08-13): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or [redacted]%).<br>Seller Comment (2024-08-07): Entire rate sheet provided. Base price is on page[redacted]% @ $[redacted] cost to borrower. Thanks.<br>Reviewer Comment (2024-08-06): Document provided does not show the start rate and cost of the start rate<br>Seller Comment (2024-07-29): Please see rate details. Thanks.<br>Reviewer Comment (2024-07-29): Please provide discount point worksheet showing start rate and cost of start rate<br>Seller Comment (2024-07-23): Hello - Please review compliance testing which shows loan had $[redacted]in bona fide discount points that can be excluded. Thanks. | 08/14/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699329 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2024-08-06): Disclosure is required to be signed<br>Seller Comment (2024-07-29): Please Affiliated Business Arrangement. It is part of Initial Informational disclosure packet. Borrower acknowledged receipt of packet. Thanks. |  |  |  | 2 B | B | B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699330 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2024-07-29): received AUS<br>Seller Comment (2024-07-23): LPA uploaded for review. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699331 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [Redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [Redacted]%, LTV/CLTV: [Redacted]%/[Redacted]%, Credit Score: [Redacted], Occupancy: [Redacted]Home, Purpose: Purchase, | The file is missing the AUS findings, unable to determine the ability to repay. |  |  |  | Reviewer Comment (2024-07-29): received AUS<br>Seller Comment (2024-07-23): LPA uploaded for review. Thank you. | 07/29/2024 |  |  | 1 C A | C | A C |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699332 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | due to points and fees |  |  |  | Reviewer Comment (2024-08-14): Received rate lock sheet with start rate<br>Seller Comment (2024-08-14): Hello - I have uploaded the breakdown for the bonafide points that is permissible to be excluded. The starting rate & cost to borrower and locked rate and cost to the borrower are both included on our rate charts. The loan is not exceeding QM pts/fees thresholds. <br> In addition, these rate charts have been historically acceptable in past trades as well as acceptable for compliance purposes. Thank you.<br>Reviewer Comment (2024-08-13): Loan fails the [redacted]% testing for QM points and fees<br>Seller Comment (2024-08-07): Entire rate sheet provided. Base price is on page[redacted]% @ $[redacted] cost to borrower. Thanks.<br>Reviewer Comment (2024-08-06): please provide rate sheet of discount point worksheet showing initial/start rate and cost of initial/start rate.<br>Seller Comment (2024-07-29): Please see rate details uploaded. Thanks.<br>Reviewer Comment (2024-07-29): Failure to due points and fees, missing discount points fee worksheet<br>Seller Comment (2024-07-23): Pre & post close passing LPA uploaded to file. Thanks. | 08/14/2024 |  |  | 1 B A C | B | A C B |  | AL | Second Home | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619868 | XX | XX | XX | 33699333 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is required to be approved by DU/DO or LP/LPA. ; Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-07-29): updated upon receipt of AUS<br>Seller Comment (2024-07-23): Loan was underwritten to FHLMC guidelines. The LPA had a PIW approval on both the[redacted] LPA run prior to closing and the last one ran on [redacted]. Thanks.<br>Seller Comment (2024-07-23): Loan was underwritten to FHLMC guidelines. The LPA had a PIW approval on both the [redacted] LPA run prior to closing and the last one ran on [redacted]. Thanks. | 07/29/2024 |  |  | 1 D A | D | A D |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699334 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal Waiver was entered on a conventional loan, and Decision System does not reflect DU or LP. PIW is ineligible. Missing Primary Appraisal. |  |  |  |  |  | Reviewer Comment (2024-07-29): updated upon receipt of AUS<br>Seller Comment (2024-07-23): LPA with PIW approval both pre & post close updated to exception ID [redacted]. Thanks. | 07/29/2024 |  |  | 1 D A | D | A D |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699335 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - LNA only. Cannot be sold traditionally. |  |  |  | Reviewer Comment (2024-07-19): S&D |  |  |  | 2 B | B | B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699336 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date[Redacted]. | Most recent returns are [Redacted] |  |  |  | Reviewer Comment (2024-08-14): Received rate lock sheet with start rate<br>Reviewer Comment (2024-08-06): this is an [redacted]information exception regarding the recency of returns<br>Seller Comment (2024-07-29): Please clarify. Application date was [redacted] of [redacted]. Borrower filed extension for [redacted]. Tax filing extension deadline was [redacted]. Thanks.<br>Reviewer Comment (2024-07-29): recency exception [redacted]<br>Seller Comment (2024-07-23): [redacted]extension was filed for personal and business. Thanks. | 08/14/2024 |  |  | 1 B A | B | A B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699337 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [Redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[Redacted], Most Recent Tax Return End Date[Redacted], Tax Return Due Date[Redacted]. | Most recent returns are [Redacted] |  |  |  | Reviewer Comment (2024-08-14): Received rate lock sheet with start rate<br>Reviewer Comment (2024-08-06): this is an [redacted]information exception regarding the recency of returns<br>Seller Comment (2024-07-29): Please clarify. Application date was [redacted] of [redacted]. Borrower filed extension for [redacted]. Tax filing extension deadline was [redacted]. Thanks.<br>Reviewer Comment (2024-07-29): recency exception [redacted]<br>Seller Comment (2024-07-23): [redacted]extension filed for both personal and business. Uploaded to other condition. Thanks. | 08/14/2024 |  |  | 1 B A | B | A B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699338 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2024-08-14): received BPO<br>Reviewer Comment (2024-08-13): Missing full appraisal, buyer to review<br>Seller Comment (2024-08-09): [redacted]obtaining [redacted]evals. Thanks. | 08/14/2024 |  |  | 1 A |  | A |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699339 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  |  |  |  |  | 2 B |  | B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. |  |  |  |  |  |  |  |  | 2 B |  | B |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619868 | XX | XX | XX | 33699341 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. No supporting secondary valuation with effective date within [Redacted]months of note date was provided. A supporting secondary valuation with effective date between [Redacted]and [Redacted]months past note date was provided. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 A B |  | A D |  | AL | Second Home | Purchase | D C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619869 | XX | XX | XX | 33699342 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Statement Missing |  |  |  | Reviewer Comment (2024-07-22): Received Lease Agreement, exception cleared.<br>Seller Comment (2024-07-22): Please see docs uploaded for [redacted]. Both were escrowing with their mortgage and neither is subject to HOA dues. Thanks.<br>Seller Comment (2024-07-22): Please see docs uploaded for [redacted][redacted] & [redacted]. Both were escrowing with their mortgage and neither is subject to HOA dues. Thanks.<br>Seller Comment (2024-07-22): Please see docs uploaded for [redacted][redacted] & [redacted][redacted]. Both were escrowing with their mortgage and neither is subject to HOA dues. Thanks. | 07/22/2024 |  |  | 1 C A | C | A C |  | PA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM | N/A | No |
| 223619869 | XX | XX | XX | 33699344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Early appraisal report version with effective date of[Redacted] that was provided to borrower on [Redacted] is missing. |  |  |  | Reviewer Comment (2024-07-29): received<br>Seller Comment (2024-07-25): Borrower was never given earlier report as corrections were requested during appraisal review process as the appraisal was not deemed acceptable. Appraiser revisions were required. Date revision was on page [redacted].<br>Reviewer Comment (2024-07-23): Received same appraisal, missing appraisal signed [redacted]<br>Seller Comment (2024-07-22): Please see [redacted]appraisal. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | PA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM | N/A | No |
| 223619869 | XX | XX | XX | 33699345 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank [Redacted]): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [Redacted]based on deal settings. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM | N/A | No |
| 223619869 | XX | XX | XX | 33699346 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Aged only. |  |  |  | Reviewer Comment (2024-07-19): S&D |  |  |  | 2 B | B | B |  | PA | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM | N/A | No |
| 223619870 | XX | XX | XX | 33699347 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2024-07-29): received project information<br>Seller Comment (2024-07-22): Hello - Please see questionnaire and warranty doc. Thanks. | 07/29/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619870 | XX | XX | XX | 33699348 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. | Verification of the borrower's receipt of the appraisal is missing from the file. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619870 | XX | XX | XX | 33699349 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/07/2022 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $275,740.19 is over disclosed by $1,870.00 compared to the calculated Amount Financed of $273,870.19 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/10/2023). | Final Closing Disclosure disclosed an amount financed of $[Redacted]; calculated amount financed is $[Redacted]. Variance is $[Redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619870 | XX | XX | XX | 33699351 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[Redacted]). | Final Closing Disclosure disclosed a finance charge of $[Redacted]; calculated finance charge is $[Redacted]. Variance is $[Redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619870 | XX | XX | XX | 33699352 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - With additional liability DTI raised to [Redacted]%. |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619870 | XX | XX | XX | 33699353 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-07-24): [redacted]received valid changed circumstance<br>Seller Comment (2024-07-22): Borrower locked on [redacted] in pts and $[redacted]lender credits. Pts only decreased from that point. Lender credits never changed. All LE's prior from [redacted] were all for varying loan products at different rates, points, loan amounts, etc. <br> Please advise where the tolerance was breached. Thank you. | 07/24/2024 |  |  | 1 B A | B | A B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619871 | XX | XX | XX | 33699354 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | File is missing bankruptcy document |  |  |  | Reviewer Comment (2024-07-23): Not required, exceeds timing<br>Seller Comment (2024-07-22): [redacted] report shows [redacted]is from [redacted] which is in excess of agency guidelines. [redacted]only requires borrower to address bankruptcies in the last [redacted]years per Section [redacted]Declaration [redacted].. Thank you. | 07/23/2024 |  |  | 1 C A | C | A C |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619871 | XX | XX | XX | 33699355 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | [Redacted] returned a cu score of [Redacted]and the freddie mac UCDP report returned not Eligible for rep & warranty relief. [Redacted]valuation is missing in the file |  |  |  | Reviewer Comment (2024-08-14): received CDA<br>Reviewer Comment (2024-08-06): moved to buyer queue<br>Seller Comment (2024-07-29): [redacted] is obtaining second evaluations. Thanks.<br>Reviewer Comment (2024-07-29): Client review<br>Seller Comment (2024-07-24): [redacted] is obtaining. | 08/14/2024 |  |  | 1 D A | D | A D |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619871 | XX | XX | XX | 33699356 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant [Redacted]([Redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-07-29): Received proof of delivery<br>Seller Comment (2024-07-25): Please see uploaded LOS screenprint. Thanks.<br>Seller Comment (2024-07-25): Please see uploaded LOS screenshot of borrower acceptance. Thanks. | 07/29/2024 |  |  | 1 B A | B | A B |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619871 | XX | XX | XX | 33699357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [Redacted] | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). |  |  |  |  | Reviewer Comment (2024-08-15): restated designation<br>Seller Comment (2024-08-14): The starting (undiscounted) rate on [redacted] was [redacted]% at a cost of [redacted](the ineligible warning is incorrect as the pricing is within QM limits) which was documented and available to the consumer. Given this, the difference of $[redacted]between that rate and the closing rate of [redacted]is considered bona fide and excludable and is within the [redacted]points allowed given the spread. The additional difference between the cost on the rate sheet and the CD is due to an extension fee at the cost of the borrower. <br> Both the starting rate and the locked rate along with their corresponding borrower price are on the rate chart below.<br>Seller Comment (2024-08-14): Hello - I have uploaded the breakdown for the bonafide points that is permissible to be excluded. The starting rate & cost to borrower and locked rate and cost to the borrower are both included on our rate charts. The loan is not exceeding QM pts/fees thresholds. <br> In addition, these rate charts have been historically acceptable in past trades as well as acceptable for compliance purposes. Thank you.<br>Reviewer Comment (2024-08-14): Please provide start rate, [redacted]% is listed under ineligible products, need start rate or is designation non-QM<br>Reviewer Comment (2024-08-13): Used start rate, loan is still fail<br>Seller Comment (2024-08-07): The rate sheet uploaded does show the initial start rate and the cost of the start rate. See page [redacted]with [redacted]% note rate @ [redacted]base price. These rates were ineligible as they would have resulted in excessive points which would have triggered the loan to be non QM. Thank you.<br>Reviewer Comment (2024-08-06): Docs provided do not show initial/start rate and cost of start rate<br>Seller Comment (2024-07-29): Hello - Please see full rate sheet. Thanks.<br>Reviewer Comment (2024-07-29): Rate lock does not show starting rate and cost to buyer - please provide the initial starting rate and cost to borrower<br>Seller Comment (2024-07-25): Please see rate lock details. Thanks.<br>Reviewer Comment (2024-07-23): Provide discount point fee disclosure, rate sheet or other document confirming start rate and cost of start rate<br>Seller Comment (2024-07-22): There $[redacted]in bona fide discount points that can be excluded. Thanks.<br>Seller Comment (2024-07-22): Hello - Please see compliance testing as there are $[redacted]in bona fide discount points that can be excluded. Thank you. | 08/15/2024 |  |  | 1 C A | C | A C |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619871 | XX | XX | XX | 33699358 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2024-08-15): restated designation<br>Seller Comment (2024-08-14): Please refer to the uploaded LOE from today - The starting (undiscounted) rate on [redacted]was [redacted]% at a cost of [redacted](the ineligible warning is incorrect as the pricing is within QM limits) which was documented and available to the consumer. Given this, the difference of $[redacted]between that rate and the closing rate of [redacted]is considered bona fide and excludable and is within the [redacted]points allowed given the spread. The additional difference between the cost on the rate sheet and the CD is due to an extension fee at the cost of the borrower. <br> Both the starting rate and the locked rate along with their corresponding borrower price are on the rate chart below.<br>Seller Comment (2024-08-14): Hello - I have uploaded the breakdown for the bonafide points that is permissible to be excluded. The starting rate & cost to borrower and locked rate and cost to the borrower are both included on our rate charts. The loan is not exceeding QM pts/fees thresholds. <br> In addition, these rate charts have been historically acceptable in past trades as well as acceptable for compliance purposes. Thank you.<br>Reviewer Comment (2024-08-13): Used start rate, loan is still fail<br>Seller Comment (2024-08-07): The rate sheet uploaded does show the initial start rate and the cost of the start rate. See page [redacted]with [redacted]% note rate @ [redacted]base price. These rates were ineligible as they would have resulted in excessive points which would have triggered the loan to be non QM. Thank you.<br>Reviewer Comment (2024-08-06): Docs provided do not show initial/start rate and cost of start rate<br>Seller Comment (2024-07-29): Hello - Full rate sheet uploaded for review. Thanks.<br>Reviewer Comment (2024-07-29): Please see other exception<br>Seller Comment (2024-07-25): Rate docs uploaded to clear QM pts.fees test.<br>Reviewer Comment (2024-07-23): QM fail based on other failures<br>Seller Comment (2024-07-23): Please see compliance testing uploaded to clear. Thanks. | 08/15/2024 |  |  | 1 B A C | B | A C B |  | IL | Second Home | Refinance - Cash-out - Home Improvement | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619871 | XX | XX | XX | 33699359 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Inadequate comparables used to support appraised value. Comparable Sale(s) Site Characteristic(s) or Location Reported Inaccurately The appraisal inaccurately represented the view of comparable(s) sale [Redacted]as neutral residential when MLS data and aerial imagery indicated comparable sale [Redacted]had a golf course view. Failure to Adjust Comparables The subject property had a residential view while comparable sale [Redacted]had a golf course view. Based on MLS data, the appraiser should have made an adjustment for the difference between the subject and comparable sale(s). Inappropriate Comparable Sale(s) Selection Due to Location Comparable sale(s) one, two, four, five, and six were considered inappropriate as all were located across major arterial boundaries and were located in neighborhoods with higher median sale prices without adequate explanation as to why the comparable(s) were used. Alternate sales were available in neighborhoods with similar median sale prices that should have been utilized. See the linked document in LQCS labeled \"Defect Support Doc Value\". |  |  |  | Reviewer Comment (2024-07-19): S&D reason |  |  |  | 2 B | B | B |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619871 | XX | XX | XX | 33699360 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [Redacted]- [Redacted]% Points and Fees | [Redacted] [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | restated designation |  |  |  |  |  |  |  | 2 B |  | B |  | IL | Second Home | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619871 | XX | XX | XX | 33699361 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Second Home | Refinance - Cash-out - Home Improvement | D B C A | Safe Harbor QM (APOR) | Non QM | No |
| 223619873 | XX | XX |  | 33699365 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-09-11): BPO was ordered and reviewed, BPO is [redacted]months post closing, does not clear exception<br>Seller Comment (2024-09-11): should be assigned to buyer |  |  |  | 3 D | D | D |  | TX | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619873 | XX | XX |  | 33699366 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-09-11): received<br>Seller Comment (2024-09-11): HOI uploaded<br>Seller Comment (2024-09-11): HOI - [redacted] Property | 09/11/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619873 | XX | XX |  | 33699368 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - No real defect, buyer disagrees with comps, bond loan where CLTV is [redacted] |  |  |  | Reviewer Comment (2024-08-28): S&D reason |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619873 | XX | XX |  | 33699369 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $[redacted]exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee added to the [redacted] LE with no COC |  |  |  | Reviewer Comment (2024-09-12): [redacted]received rebuttal comment for additional information and supporting Rate lock snip confirmation for the Program changed for a valid Changed circumstance.<br>Seller Comment (2024-09-11): LE Docs and Program Change snapshot<br>Seller Comment (2024-09-11): Borrower changed loan programs completely. Initially, loan was a standard agency conventional [redacted]year fixed. However, the loan has to be restructured, and was switched to a state BOND program with DPA. This warrants a new LE and brings new settlements charges. Please see full LE docs showing the rate lock agreement verifying the Bond program. Then look at the Program Change PDF which shows our LOS where the loan program changed completely. | 09/12/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619873 | XX | XX |  | 33699370 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | COC not provided |  |  |  | Reviewer Comment (2024-09-12): [redacted]received rebuttal comment for additional information and supporting Rate lock snip confirmation for the Program changed for a valid Changed circumstance.<br>Seller Comment (2024-09-11): Borrower changed loan programs completely. Initially, loan was a standard agency conventional [redacted]year fixed. However, the loan has to be restructured, and was switched to a state BOND program with DPA. This warrants a new LE and brings new settlements charges. Please see full LE docs showing the rate lock agreement verifying the Bond program. Then look at the Program Change PDF which shows our LOS where the loan program changed completely. | 09/12/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619873 | XX | XX |  | 33699371 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | COC not provided |  |  |  | Reviewer Comment (2024-09-12): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-09-11): Borrower changed loan programs completely. Initially, loan was a standard agency conventional [redacted]year fixed. However, the loan has to be restructured, and was switched to a state BOND program with DPA. This warrants a new LE and brings new settlements charges. Please see full LE docs showing the rate lock agreement verifying the Bond program. Then look at the Program Change PDF which shows our LOS where the loan program changed completely. | 09/12/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619873 | XX | XX |  | 33699373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | COC not provided |  |  |  | Reviewer Comment (2024-09-12): [redacted]received rebuttal comment for additional information and supporting Rate lock snip confirmation for the Program changed for a valid Changed circumstance.<br>Seller Comment (2024-09-11): Borrower changed loan programs completely. Initially, loan was a standard agency conventional 30 year fixed. However, the loan has to be restructured, and was switched to a state BOND program with DPA. This warrants a new LE and brings new settlements charges. Please see full LE docs showing the rate lock agreement verifying the Bond program. Then look at the Program Change PDF which shows our LOS where the loan program changed completely. | 09/12/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619873 | XX | XX |  | 33699376 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-12): Sufficient Cure Provided At Closing |  | 09/12/2024 |  | 1 A |  | A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223619874 | XX | XX |  | 33699378 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699380 |  | Credit | VA Funding Fee | Document Error | VA Funding Fee | The collected VA Funding Fee does not match the required VA Funding Fee per the VA Lender Handbook/Circulars. |  |  |  |  |  | Reviewer Comment (2024-09-11): Cleared with rerun<br>Seller Comment (2024-09-11): For [redacted]streamlines/IRRRLs, the [redacted]funding fee is calculated/received from the [redacted]portal. Previous funding fee monies from borrower initial [redacted] transaction go towards a lower [redacted]Funding Fee on their refinance. Attached is the [redacted]funding fee receipt showing the $[redacted]funding fee that is applicable on this IRRRL transaction.<br>Seller Comment (2024-09-11): [redacted]Funding Fee Receipt | 09/11/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699381 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-09-11): received BPO<br>Reviewer Comment (2024-09-09): Moved to buyer queue for approval.<br>Seller Comment (2024-09-09): securitization is not on [redacted]. | 09/11/2024 |  |  | 1 D A B | D | A C D |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699382 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | VA IRRRL Comparison is missing. |  |  |  |  |  | Reviewer Comment (2024-09-11): received disclosure<br>Seller Comment (2024-09-11): Uploading Veterans Statement, initial and final | 09/11/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699383 |  | Credit | Document Error | General | Document Error | VA - Veteran's Statement - Final is missing. |  |  |  |  |  | Reviewer Comment (2024-09-11): Received<br>Seller Comment (2024-09-11): Final uploaded<br>Seller Comment (2024-09-11): Uploading Veterans Statement final | 09/11/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699384 |  | Credit | Document Error | General | Document Error | VA - Veteran's Statement - Initial is missing. |  |  |  |  |  | Reviewer Comment (2024-09-11): Received<br>Seller Comment (2024-09-11): Initial uploaded<br>Seller Comment (2024-09-11): Uploading Veterans Statement, initial | 09/11/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699385 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: VA seasoning not met, only reached 205 days, not insured. |  |  |  | Reviewer Comment (2024-09-17): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | waterfall testing, loan is VA IRRRL and tested as Non-QM which does not meet ATR |  |  |  | Reviewer Comment (2024-09-17): received correct origination designation<br>Reviewer Comment (2024-09-13): investor review required please inform if [redacted]Safe Harbor QM should be applied as originator designation.<br>Seller Comment (2024-09-12): Original destination at the time of the loan being approved was HUD. Loan was underwritten to standard VA IRRRL guidelines, where the ATR/QM was a pass. This was not a non-qm loan program<br>Reviewer Comment (2024-09-11): Provide loan origination designation, loan was tested as Non-QM and due to no longer agency salable and no DTI/Residual income loan fails ATR<br>Seller Comment (2024-09-11): Mavent uploaded, showing ATR/QM Pass<br>Seller Comment (2024-09-11): Mavent | 09/17/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status D C B | VA Safe Harbor QM | ATR Fail | Yes |
| 223619874 | XX | XX |  | 33699388 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | waterfall testing, loan is VA IRRRL and tested as Non-QM which does not meet ATR |  |  |  | Reviewer Comment (2024-09-17): [redacted]IRRRL - S&D Defect<br>Reviewer Comment (2024-09-13): investor review required please inform if [redacted]Safe Harbor QM should be applied as originator designation.<br>Seller Comment (2024-09-12): Original destination at the time of the loan being approved was HUD. Loan was underwritten to standard [redacted]IRRRL guidelines, where the ATR/QM was a pass. This was not a non-qm loan program<br>Reviewer Comment (2024-09-11): Provide loan origination designation, loan was tested as Non-QM and due to no longer agency salable and no DTI/Residual income loan fails ATR<br>Seller Comment (2024-09-11): Per Mavent, ATR/QM is a pass. We used standard [redacted]IRRRL guidelines here. Not a niche loan program. What exactly are you looking for? |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699389 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank 2014): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | waterfall testing, loan is VA IRRRL and tested as Non-QM which does not meet ATR |  |  |  | Reviewer Comment (2024-09-17): [redacted]IRRRL - S&D Defect<br>Reviewer Comment (2024-09-13): investor review required please inform if [redacted]Safe Harbor QM should be applied as originator designation.<br>Seller Comment (2024-09-12): Original destination at the time of the loan being approved was HUD. Loan was underwritten to standard [redacted]IRRRL guidelines, where the ATR/QM was a pass. This was not a non-qm loan program<br>Reviewer Comment (2024-09-11): Provide loan origination designation, loan was tested as Non-QM and due to no longer agency salable and no DTI/Residual income loan fails ATR<br>Seller Comment (2024-09-11): [redacted]IRRRL, no income or assets are necessary in a IRRRL program. Uploaded Mavent shows ATR/QM Pass |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699391 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary [redacted]was provided. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 B |  | B |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699392 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Loan is required to be approved by DU/DO or LP/LPA. Secondary valuation is in file. Missing primary valuation (URAR or Interior Hybrid). Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-09-13): No appraisal to provide<br>Seller Comment (2024-09-12): Loan program was a [redacted]IRRRL, no appraisal was required for the originated loan. Buyer should review for exception. |  |  |  | 3 D |  | D |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | No Income Provided | Qualified Mortgage (Dodd-Frank 2014): No income was provided to demonstrate compliance with Appendix Q requirements. | Loan is VA IRRRL that is no longer agency salable and waterfalls to Appendix Q testing |  |  |  | Reviewer Comment (2024-09-17): S&D Defect<br>Seller Comment (2024-09-17): [redacted]IRRRL Streamline product UW. no income or asset verification required. |  |  |  | 3 C |  | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699394 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | Loan is VA IRRRL that is no longer agency salable and waterfalls to Appendix Q testing |  |  |  | Reviewer Comment (2024-09-17): S&D Defect<br>Seller Comment (2024-09-17): I have no comment here. According to uploaded Mavent, the loan was an ATR pass, QM safe harbor loan . [redacted]IRRRL, streamline refinance based on previous approved [redacted]loan |  |  |  | 3 B C |  | B C |  | CA | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status D C B | VA Safe Harbor QM | ATR Fail | Yes |
| 223619874 | XX | XX |  | 33699395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. | Loan is VA IRRRL that is no longer agency salable and waterfalls to Appendix Q testing |  |  |  | Reviewer Comment (2024-09-17): S&D Defect |  |  |  | 3 C |  | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699396 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | VA 2018 Seasoning | VA Qualified Mortgage (Dodd-Frank 2014) - Requirements for 2018 VA refinance / prior loan seasoning not met. | Loan is VA IRRRL that is no longer agency salable and waterfalls to Appendix Q testing |  |  |  | Reviewer Comment (2024-09-17): S&D defect<br>Seller Comment (2024-09-17): this is the disclosed defect. didnt mean [redacted]day seasoning |  |  |  | 3 C |  | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619874 | XX | XX |  | 33699397 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | VA QM Eligibility | VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. | Loan is VA IRRRL that is no longer agency salable and waterfalls to Appendix Q testing |  |  |  | Reviewer Comment (2024-09-17): S&D defect, not insurable.<br>Seller Comment (2024-09-17): this is the disclosed defect. didnt mean [redacted]day seasoning |  |  |  | 3 C |  | C |  | CA | Primary | Refinance - Streamlined | D C B | VA Safe Harbor QM | ATR Fail | No |
| 223619875 | XX | XX |  | 33699398 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Incorrect Debt Calculation - Excessive DTI - Invalid AUS: The lender self-report reflects Lease agreement for departure dated[redacted] for $[redacted]per month to begin[redacted] as used to offset PITI. <br> Departure was found on line listed for sale as of [redacted] with pending sale as of [redacted]. Using the corrected full PITI of departure monthly payments totaling $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-08-27): S&D Reason |  |  |  | 2 B | B | B |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699400 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted] Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date 0[redacted]. (Woldetensae,Berhane Uber\Lyft/Schedule C) |  |  |  | Reviewer Comment (2024-09-03): Received<br>Seller Comment (2024-08-27): Tax Returns<br>Seller Comment (2024-08-27): Signed [redacted]pages from[redacted] returns<br>Seller Comment (2024-08-27): [redacted]'s<br>Seller Comment (2024-08-27): [redacted]s provided<br> [redacted] Tax Returned provided | 09/03/2024 |  |  | 1 B A | B | A B |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699402 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  |  |  |  |  | Reviewer Comment (2024-09-03): VOE provided<br>Seller Comment (2024-08-27): Current and Prior VOE via Work # cover the [redacted]year requirement period | 09/03/2024 |  |  | 1 C A | C | A C |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 3 C | C | C |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699404 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The borrower is converting primary residence to investment and PITI can only be washed but no extra income can be used. Payment was washed due to lease provided but no rental income was used. |  |  |  | Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): defect disclosed on bid tape - incorrect debt calculation - Excessive DTI - Invalid AUS |  |  |  | 3 C | C | C |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | DTI exceeds based on no rental income for departing residence |  |  |  | Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): S&D Reason - eNote - Repurchased loan due to Incorrect Debt Calculation - Excessive DTI - Invalid AUS: The lender self-report reflects Lease agreement for departure dated [redacted] for $[redacted]per month to begin [redacted] as used to offset PITI. Departure was found on line listed for sale as of [redacted] with pending sale as of [redacted]. Using the corrected full PITI of departure monthly payments totaling $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  | 3 B C | B | B C |  | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619875 | XX | XX |  | 33699406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds based on no rental income for departing residence |  |  |  | Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): S&D Reason - eNote - Repurchased loan due to Incorrect Debt Calculation - Excessive DTI - Invalid AUS: The lender self-report reflects Lease agreement for departure dated [redacted] for $[redacted]per month to begin [redacted]as used to offset PITI. Departure was found on line listed for sale as of [redacted] with pending sale as of [redacted]. Using the corrected full PITI of departure monthly payments totaling $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  | 3 C | C | C |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619875 | XX | XX |  | 33699407 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI exceeds based on no rental income for departing residence |  |  |  | Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): S&D Reason - eNote - Repurchased loan due to Incorrect Debt Calculation - Excessive DTI - Invalid AUS: The lender self-report reflects Lease agreement for departure dated [redacted] for $[redacted]per month to begin [redacted]as used to offset PITI. Departure was found on line listed for sale as of [redacted] with pending sale as of [redacted]. Using the corrected full PITI of departure monthly payments totaling $[redacted] resulted in a revised DTI of [redacted]%. |  |  |  | 3 C | C | C |  | IN | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619876 | XX | XX |  | 33699408 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  |  |  |  |  | Reviewer Comment (2024-08-29): Received Fraud Report, Exception cleared.<br>Seller Comment (2024-08-28): covered in the uploaded Fraud Report | 08/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699409 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation (LDP) not provided |  |  |  |  |  | Reviewer Comment (2024-08-29): Received Fraud Report, Exception cleared.<br>Seller Comment (2024-08-28): LDP begins on page [redacted]of Fraud Report | 08/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699410 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  | Reviewer Comment (2024-09-03): Unisurable<br>Seller Comment (2024-08-28): N/A - loan is Uninsurable - disclosed on bid tape |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699411 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-09-17): Received CDA<br>Reviewer Comment (2024-09-03): Buyer queue<br>Seller Comment (2024-08-28): FIMC is not responsible for secondary valuations on S&D sales | 09/17/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699412 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. |  |  |  |  |  | Reviewer Comment (2024-08-29): As per E-sign consent agreement FHA - Important Notice to Homebuyer ([redacted]-B) was provided on [redacted], exception cleared<br>Seller Comment (2024-08-28): Informed Consumer Choice Disclosure<br>Seller Comment (2024-08-28): Disclosure Tracking<br>Seller Comment (2024-08-28): Disclosure sent [redacted]per the disclosure tracking and was viewed by the borrower the same day | 08/29/2024 |  |  | 1 B A | B | A B |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699413 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. |  |  |  |  |  | Reviewer Comment (2024-08-29): As per E-sign agreement FHA - Informed Consumer Choice Disclosure was provided to borrower within [redacted]business days of the loan application, exception cleared<br>Seller Comment (2024-08-29): please see the Disclosure Tracking_Initial Disclosures that was provided for another condition and you can clearly see that this was disclosed to the borrower within [redacted]days of application | 08/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699414 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. |  |  |  |  |  | Reviewer Comment (2024-08-29): FHA - Initial HUD Addendum to the Loan Application [redacted]-A <br> provided on [redacted] as per e-sign consent agreement, exception cleared<br>Seller Comment (2024-08-28): HUD-[redacted]-A | 08/29/2024 |  |  | 1 B A | B | A B |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699415 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted]contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation | CDs in file dated [redacted] had blanks on page 5 for TOP, Finance Charge, Amount Financed, APR, TIP |  |  |  | Reviewer Comment (2024-08-30): Upon further review, APR disclosure is acceptable.<br>Seller Comment (2024-08-28): Final CD - APR is lower than previously disclosed no additional wait needed<br>Seller Comment (2024-08-28): I am not seeing a CD dated [redacted]that was disclosed to the borrower that is missing information on page [redacted]<br>Seller Comment (2024-08-28): attached are the executed CD's | 08/30/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| 223619876 | XX | XX |  | 33699417 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Invalid AUS - Gift was missing from AUS, though it was in the origination system entered as a gift of equity from a relative. When DU was reran on the web using both parent and relative from dropdown options for the source of the gift funds it returned Refer Findings. The front ratio is too high to be able to manually underwrite the loan. |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699419 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Borrower falling into Early Payment Default (EPD) which rendered the loan ineligible to remain with Investor \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-08-27): S&D Reason |  |  |  | 2 B | B | B |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699420 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2024-09-10): Completion cert required - move to buyer to review<br>Seller Comment (2024-09-05): see [redacted]close out with inspections along the way<br>Seller Comment (2024-09-05): please see my prior comment - there is NO Final Inspection to provide as the renovation file was closed out due to the borrower not responding and the renovation funds being applied as a curtailment on the loan. All inspections have been provided<br>Reviewer Comment (2024-09-03): Missing completion certification<br>Seller Comment (2024-08-28): Renovation close out file - borrower not responsive see pages [redacted] |  |  |  | 3 C | C | C |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699421 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted]contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation |  |  |  |  | Reviewer Comment (2024-08-30): [redacted]received signed copy of CD dated [redacted].<br>Seller Comment (2024-08-28): Signed CD [redacted] - received same day | 08/30/2024 |  |  | 1 B A | B | A B |  | NM | Primary | Purchase | TRID timing exception, no remediation available. C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699424 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-09-03): received proof of delivery<br>Seller Comment (2024-08-28): appraisal delivery email sent [redacted] | 09/03/2024 |  |  | 1 B A | B | A B |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699425 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-09-03): received proof of delivery<br>Reviewer Comment (2024-09-03): Nothing more EV2<br>Seller Comment (2024-08-28): EV2 rating - | 09/03/2024 |  |  | 1 B A | B | A B |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699426 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-09-03): received proof of delivery<br>Seller Comment (2024-08-28): see reno close out - borrower was aware of each inspection on the renovation | 09/03/2024 |  |  | 1 B A | B | A B |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619877 | XX | XX |  | 33699428 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2024-08-30): Sufficient Cure Provided At Closing |  | 08/30/2024 |  | 1 A |  | A |  | NM | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223619877 | XX | XX |  | 33699429 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2024-09-10): nothing more needed<br>Seller Comment (2024-09-05): Ev2 rating |  |  |  | 2 B |  | B |  | NM | Primary | Purchase | C B | Non QM | Non QM | No |
| 223619878 | XX | XX |  | 33699431 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-09-17): Received CDA<br>Seller Comment (2024-08-27): [redacted] is not responsible for Secondary Valuations on S&D sales | 09/17/2024 |  |  | 1 D A | D | A D |  | NY | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619878 | XX | XX |  | 33699432 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased Co-Op loan due to Borrower not being Employed as Disclosed - Excessive DTI - Invalid AUS: Employment validation was obtained for the borrower through Desktop Underwriter's (DU) Validation Service. In order to obtain Day One Certainty, DU required that the loan close by [redacted]. The subject loan closed on [redacted], which was after the date required by DU. The file did contain an updated verification, however, the loan was not resubmitted to DU. Research confirmed that this borrower was not employed as disclosed as of [redacted]. Excluding the income resulted in a revised total monthly income of $[redacted]and a revised DTI that could not be calculated. Borrower obtained new employment with xx - still doesn't qualify.<br> Rate of pay $[redacted]monthly / $[redacted]total all monthly debts = [redacted]% DTI |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619878 | XX | XX |  | 33699433 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per AUS, loan had close by date of 4/14/2023 per section 14. |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619879 | XX | XX |  | 33699434 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Occupancy Misrepresentation - Incorrect Rental Income Calculation - Omitted Debts - Excessive DTI - Invalid AUS - MI Rescission: The subject loan was delivered as a primary residence transaction. A review of the loan revealed the following: Public records verified the mailing address for the Department of Motor Vehicles is the primary residence from the loan application.. As a result, the occupancy of the subject property was misrepresented.<br>The borrower owned rental properties,. The lender included a rental loss of $-[redacted], in the DTI calculation. Based on the documentation provided, the recalculated rental loss was $-[redacted]. Therefore, the revised income resulted in a revised DTI of [redacted]%. The loan documentation found within the loan file reflected child support that was not included in the DTI calculation. Adequate documentation to support the omission of the debt from the DTI was not provided for our review. Including the monthly payment of $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 2 B | B | B |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699435 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Seller Comment (2024-09-03): Ev2 rating - buyer to clear<br>Reviewer Comment (2024-09-03): Nothing more needed<br>Seller Comment (2024-08-27): EV2 rating |  |  |  | 2 B | B | B |  | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619879 | XX | XX |  | 33699436 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  | Reviewer Comment (2024-08-27): S&D Reason, child support documentation was not provided<br>Seller Comment (2024-08-27): Defect disclosed on the bid tape: The loan documentation found within the loan file reflected child support that was not included in the DTI calculation. Adequate documentation to support the omission of the debt from the DTI was not provided for our review. Including the monthly payment of $[redacted] resulted in a revised DTI of [redacted]%.<br>Seller Comment (2024-08-27): why are you needing a divorce decree / child support when there is no liability or income being used for qualification purposes? |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699437 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): condition documentation should resolve this |  |  |  | 3 B C | B | B C |  | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619879 | XX | XX |  | 33699438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): Defect disclosed on the bid tape: The borrower owned rental properties,. The lender included a rental loss of $-[redacted], in the DTI calculation. Based on the documentation provided, the recalculated rental loss was $-[redacted]. Therefore, the revised income resulted in a revised DTI of [redacted]% |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699439 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): what are you looking for as the defect reason we are selling the loan surrounds income doc requirements |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699440 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file did not contain copies of the complete 1040s for the most recent two years, only the signature page was provided. |  |  |  | Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): tax returns uploaded under another condition |  |  |  | 2 B | B | B |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699441 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The child support as reflected on the bank statements were not included in the lender's debt to income ratio calculation. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): Defect Disclosed on bid tape - Occupancy Misrep - MI Rescinded - Incorrect Rental Income Calc - Omitted Debts - Excessive DTI - Invalid AUS |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699442 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file did not contain copies of the complete 1040s for the most recent two years, only the signature page was provided. |  |  |  | Reviewer Comment (2024-08-27): Received 1040s for most recent [redacted] years, exception cleared.<br>Seller Comment (2024-08-27): Tax Returns | 08/27/2024 |  |  | 1 C A | C | A C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is failing ATR due to missing income documents. |  |  |  | Reviewer Comment (2024-09-10): S&D reason - due to defect<br>Reviewer Comment (2024-09-03): This is due to the DTI exceeding guidelines, defect was disclosed, investor consideration required<br>Seller Comment (2024-08-27): condition documentation should resolve this |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619879 | XX | XX |  | 33699444 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-08-27): S&D reason |  |  |  | 3 C | C | C |  | OH | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619880 | XX | XX |  | 33699445 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-09-11): EV2<br>Seller Comment (2024-08-29): EV2 rating |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619880 | XX | XX |  | 33699446 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Investor ([redacted] Housing) rejected the loan for purchase due to missing documentation to support the debt calculation of Affirm & Klarna due to varying monthly payments and documentation that supports the use of $[redacted]in monthly real estate taxes for subject property. Annual taxes are $[redacted]which is $[redacted]monthly. Due to the higher real estate taxes and rental loss of $[redacted]vs $[redacted]used at qualification the DTI is [redacted]% which renders the loan ineligible for purchase. |  |  |  | Reviewer Comment (2024-08-28): S&D reason |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619880 | XX | XX |  | 33699447 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-11-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. (Client:[redacted])<br>Reviewer Comment (2024-09-11): EC2<br>Seller Comment (2024-08-29): Ev2 rating |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619880 | XX | XX |  | 33699448 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Two earlier appraisal reports that were provided to the borrower on [redacted] and [redacted] are missing. - We are unable to determine if the appraised value changed. |  |  |  | Reviewer Comment (2024-09-11): Received<br>Seller Comment (2024-09-11): Revised Appraisal<br>Seller Comment (2024-09-11): Appraisal<br>Seller Comment (2024-09-11): LOE<br>Seller Comment (2024-09-11): the only thing that changed on the appraisal was title revision per UW condition | 09/11/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619880 | XX | XX |  | 33699451 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619881 | XX | XX |  | 33699454 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Insufficient Entitlement - The borrower's certificate of eligibility was rescinded by the VA due to insufficient time in service. He served 10 mo, basic training doesn't count and it's up to 6 mo. IF the Vet served 90 days of active duty in a wartime which this was Gulf War time, he should be eligible. Something happened to him as he signed up for more time but he was discharged, someone in his branch had it done, a secretarial discharge.<br> If discharged, there is a requirement of [redacted]months of service to qualify, unless discharge was for an allowable exception. Secretarial Authority in and of itself is not a valid exception. |  |  |  | Reviewer Comment (2024-08-28): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619881 | XX | XX |  | 33699455 |  | Credit | Document Error | General | Document Error | The veteran did not certify occupancy by checking an appropriate occupancy block in Section III - Veteran's Certifications of the VA - Loan Disbursement Form 26-1820. |  |  |  |  |  | Reviewer Comment (2024-09-10): Buyer to review<br>Seller Comment (2024-09-05): VA rescinded the entitlement PRIOR the loan closing so it never should've closed as a VA loan - this should be waived<br>Reviewer Comment (2024-09-03): This should have been done at time of origination<br>Seller Comment (2024-08-29): This loan is no longer a [redacted] loan since it was deemed Uninsurable by [redacted] - are you still needing this completed? |  |  |  | 3 C | C | C |  | AZ | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619881 | XX | XX |  | 33699456 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-09-17): Received desk review<br>Reviewer Comment (2024-09-03): Buyer queue<br>Seller Comment (2024-08-29): [redacted] is not responsible for secondary valuations on S&D sales | 09/17/2024 |  |  | 1 D A | D | A D |  | AZ | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619881 | XX | XX |  | 33699457 |  | Credit | VA Funding Fee | Document Error | VA Funding Fee | The collected VA Funding Fee does not match the required VA Funding Fee per the VA Lender Handbook/Circulars. | Funding Fee Rate Collected: ___<br> Required Funding Fee Rate: ___ |  |  |  |  | Reviewer Comment (2024-09-03): Buyer to review, nothing more as loan is no longer insurable.<br>Seller Comment (2024-08-29): This loan is Uninsured by the VA as the COE was rescinded as disclosed on the bid tape - the VA FF was applied as principal reduction on the loan |  |  |  | 3 C | C | C |  | AZ | Primary | Purchase | D C A | Non QM | Non QM | No |
| 223619882 | XX | XX |  | 33699459 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Unsalable - Construction not complete |  |  |  | Reviewer Comment (2024-09-11): S&D reason |  |  |  | 2 B | B | B |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699460 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699461 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2024-09-17): S&D Defect |  |  |  | 3 C | C | C |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699462 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2024-09-26): Construction to per loan | 09/26/2024 |  |  | 1 A | A | A |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699463 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [redacted]are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-09-16): restated designation | 09/16/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699464 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2024-09-26): Construction to per loan<br>Seller Comment (2024-09-23): This is a construction to Permanent Loan and rescission is not required. | 09/26/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Construction-Permanent | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM | Non QM | Yes |
| 223619882 | XX | XX |  | 33699465 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation failure due to QM failure. |  |  |  | Reviewer Comment (2024-09-16): restated designation | 09/16/2024 |  |  | 1 B A C | B | A C B |  | NY | Primary | Construction-Permanent | Lender to provide updated ATR/QM status D C B | Safe Harbor QM | Non QM | Yes |
| 223619882 | XX | XX |  | 33699466 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is insufficient by $[redacted]. Coverage amount of $[redacted]and loan amount is $[redacted]and cost to rebuild is $[redacted] | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-26): Received post closing insurance dated [redacted]with sufficient coverage |  |  | 09/26/2024 | 2 C B | C | B C |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699467 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2024-09-26): Construction to per loan | 09/26/2024 |  |  | 1 B A | B | A B |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699468 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No proof of receipt, 3 day mailbox rule applied |  |  |  | Reviewer Comment (2024-09-23): [Redacted] received disclosure tracking suffice.<br>Seller Comment (2024-09-20): The Initial Closing Disclosure was provided to borrower electronically. Please review attached Loan Summary Tracking. | 09/23/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Construction-Permanent | No Defined Cure B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699469 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four (4) business days prior to closing. | No proof of receipt, 3 day mailbox rule applied |  |  |  | Reviewer Comment (2024-09-23): [Redacted] received disclosure tracking with earlier electronic receipt<br>Seller Comment (2024-09-20): The Revised Loan Estimate was provided to borrower electronically. Please review attached Loan Summary Tracking. | 09/23/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Construction-Permanent | No Defined Cure B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699470 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699471 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan purpose discrepancy. | Loan purpose of ___ does not match AUS loan purpose of ___. | Loan is construction to perm, AUS shows limited cash out refinance, purpose differs from actual purpose. |  |  |  |  |  |  |  | 3 C |  | C |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619882 | XX | XX |  | 33699472 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Refinance purpose discrepancy. | Loan refinance purpose of ___ does not match AUS loan refinance purpose of ___. | Loan is construction to perm, AUS shows limited cash out refinance, purpose differs from actual purpose. |  |  |  |  |  |  |  | 3 C |  | C |  | NY | Primary | Construction-Permanent | D C B | Safe Harbor QM | Non QM | No |
| 223619883 | XX | XX |  | 33699474 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Unsalable - LPA lost PIA offering - At Flagstar's request, Correspondent resubmitted through LPA in an attempt to resolve Agency shipping edit. |  |  |  | Reviewer Comment (2024-09-11): S&D reason |  |  |  | 2 B | B | B |  | OR | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619883 | XX | XX |  | 33699475 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D B | D | D C |  | OR | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619883 | XX | XX |  | 33699476 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal Waiver was entered. Assets were entered as Gift of Equity. These are not permitted on the same transaction. PIW is ineligible. Missing Primary Appraisal. |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | OR | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619884 | XX | XX | XX | 33699477 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file was missing the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-09-18): Buyer to review<br>Seller Comment (2024-09-17): this is for buyer to review |  |  |  | 3 D | D | D |  | IN | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619884 | XX | XX | XX | 33699478 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Borrower 1 income improperly calculated, resulting in a revised DTI of [redacted]yielding refer AUS. NOT insured, original defect over a year old. |  |  |  | Reviewer Comment (2024-09-12): S&D reason |  |  |  | 2 B | B | B |  | IN | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619884 | XX | XX | XX | 33699479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619884 | XX | XX | XX | 33699480 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower's WVOE and paystub both show $[redacted]per hour; however year to data average is much lower and would equate to a DTI above [redacted]%. |  |  |  | Reviewer Comment (2024-09-18): S&D reason |  |  |  | 3 C | C | C |  | IN | Primary | Purchase | D C B | Non QM | Non QM | No |
| 223619885 | XX | XX | XX | 33699482 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-10): Sufficient Cure Provided At Closing |  | 09/10/2024 |  | 1 A | A | A |  | AZ | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223619885 | XX | XX | XX | 33699483 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Employment misrepresentation. |  |  |  | Reviewer Comment (2024-09-12): S&D reason |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| 223619885 | XX | XX | XX | 33699484 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The AUS (condition 13) requires a mortgage history for the loan being paid off, which was not provided in the file. |  |  |  | Reviewer Comment (2024-09-20): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-09-20): Unfortunately, this file was a mess with the private mortgage. This is an item that was required, but was never provided. We will have to ask the buyer for an exception here, since the loan was paid off. |  |  |  | 3 C | C | C |  | AZ | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| 223619885 | XX | XX | XX | 33699485 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2024-10-01): Received final CD with proof of lender payment<br>Seller Comment (2024-09-26): invoice showing appraisal was paid by [redacted] , and a [redacted] correcting that payment info (aka not paid by borrower)<br>Seller Comment (2024-09-26): Appraisal docs<br>Reviewer Comment (2024-09-24): Please provide payment confirmation for appraisal fee $[redacted] paid outside closing by borrower, Exception remains<br>Seller Comment (2024-09-20): AUS and Final CD have borrower receiving cash back at close. No cash to be brought to close, no reserves required. Thus no assets verified. | 10/01/2024 |  |  | 1 C A | C | A C |  | AZ | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| 223619885 | XX | XX | XX | 33699486 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Discrepancy between WVOE and VOE - WVOE states borrower started on [redacted] as contractor then moved to employee on [redacted], VOE from The Work Number shows start date of [redacted]. |  |  |  | Reviewer Comment (2024-09-12): S&D reason |  |  |  | 3 C | C | C |  | AZ | Primary | Refinance - Limited Cash-out GSE | C A | Non QM | Non QM | No |
| 223619886 | XX | XX | XX | 33699487 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | DTI is excessive due to PITI for the primary property is higher than the the lender considered . Please provide the documentation that supports |  |  |  | Seller Comment (2024-10-02): You are [redacted]% correct. The UW on this file flat out did not update the LOS to see that the borrower did a c/o refi on their primary and the payment went up. That or they just ignored it. :(<br>Need to have [redacted] review this one and ask for an exception since DTI is below 5[Redacted].<br>Reviewer Comment (2024-10-01): Borrower's primary PITI is [redacted], subject property negative cash flow is [redacted] and other consumer debt is [redacted] with income of [redacted]<br>Seller Comment (2024-09-25): Our UW also included the 1007 that shows an estimated rent of $[redacted]per month. Using [Redacted] that would be $[redacted]to offset the subject property amount. Thus reducing the DTI to[redacted] and remaining with in guidelines. <br>Actual liability with negative cash flow from subject is $[redacted], income is $[redacted]<br>Reviewer Comment (2024-09-24): Provided document has been reviewed, As per 1008 primary property expense are $[redacted] But as per mortgage statement and CF it reflect as $[redacted], exception remains<br>Seller Comment (2024-09-20): 1008 and UW Income Worksheet uploaded<br>Seller Comment (2024-09-20): 1008 and UW Income Worksheet |  |  |  | 3 C | C | C |  | PA | Investment | Purchase | C A | N/A | N/A | No |
| 223619886 | XX | XX | XX | 33699488 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Agency disagrees with use of comps, original defect nearly a year old |  |  |  | Reviewer Comment (2024-09-12): S&D |  |  |  | 2 B | B | B |  | PA | Investment | Purchase | C A | N/A | N/A | No |
| 223619887 | XX | XX |  | 33699491 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-10-01): Received Approval, Exception cleared.<br>Seller Comment (2024-10-01): Comment from [redacted] ([redacted]): [redacted] | 10/01/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619888 | XX | XX | XX | 33699493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619888 | XX | XX | XX | 33699494 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619888 | XX | XX | XX | 33699495 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven [redacted]) business days prior to closing. | Loan Estimate was not delivered or placed in the mail to the borrower at least seven ([redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223619888 | XX | XX | XX | 33699496 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Lender on appraisal (United Wholesale Mortgage) is not the same as the Lender on Note (xx) and an appraisal transfer letter was not provided as required. |  |  |  | Reviewer Comment (2024-10-01): Transfer letter not provided and is unable to be obtained<br>Seller Comment (2024-09-25): There is no appraisal transfer letter and the Underwriter who approved the loan is no longer with the company and unable to get any additional information. [redacted] to review to confirm if acceptable to purchase loan without the appraisal transfer letter. |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619888 | XX | XX | XX | 33699497 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchase: Unable to validate employment and assets. |  |  |  | Reviewer Comment (2024-09-17): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619889 | XX | XX | XX | 33699498 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-03): Buyer queue EV2<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Temporary Buydown Terms Not Reflected on Disclosures Test | TRID: Terms on CD disclosed incorrectly. Temporary buydown terms paid by consumer or paid by other and reflected in the credit contract not accounted for accurately in disclosures provided to consumer. | The buydown agreement reflects the full amount of $[redacted]is being paid by the borrower; however, the final Closing Disclosure reflects the borrower paid $[redacted]and the lender paid $[redacted]. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): PCCD UPS Label<br>Seller Comment (2024-10-17): PCCD LOE<br>Seller Comment (2024-10-17): PCCD [redacted]<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted] towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted] and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): PCCD<br>Reviewer Comment (2024-10-04): [Redacted] received buydown agreement. Agreement confirms that borrower paid portion of buydown funds but Final C did not reflect the step payment feature. CD should reflect the buydown/step payment feature. Corrected CD and LOE to borrower.<br>Seller Comment (2024-10-03): revised agreement that matches Compliance report and CD<br>Reviewer Comment (2024-09-25): Borrower paid portion of buydown. CD should reflect the buydown/step payment feature. |  | 10/17/2024 |  | 2 C B | C | B C |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699500 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | There is a temporary buydown agreement in the file, which allows for the principal and interest to change. The final Closing Disclosure reflects the principal and interest payment cannot change. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted] towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted] and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-09-25): Borrower paid portion of buydown and Buydown payments should be included in disclosure to borrower. P&I will change after closing on the [redacted] step buydown. Should be Yes. Corrected CD & LOE to borrower.<br>Seller Comment (2024-09-24): The Final CD states the P&I payment cannot increase which is accurate as the full payment IAO $[redacted] is disclosed in the Loan Terms section and that payment will NOT increase |  | 10/17/2024 |  | 2 C B | C | B C |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699501 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Interest Rate Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the Interest Rate can change. | There is a temporary buydown agreement in the file, which allows for the interest to change. The final Closing Disclosure reflects the interest cannot change. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted] towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted] and lender paid $[redacted] As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-09-25): Borrower paid portion of buydown and Buydown payments should be included in disclosure to borrower. Interest rate will change after closing on the [redacted] step buydown. Should be Yes. Corrected CD & LOE to borrower.<br>Seller Comment (2024-09-24): Per the Loan Terms section the question is Can this amount increase after closing and the answer is accurate as NO<br> the Interest rate disclosed is the full qualifying rate of [redacted][Redacted] and the rate will NOT increase past that amount |  | 10/17/2024 |  | 2 C B | C | B C |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699504 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Unable to allocate due to not obtaining the HBE cert prior to close on a Community Access FNMA. Freddie Mac SLW under our Flex delivery is not an option since this is a Community Access Product unfortunately. |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699505 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The borrower received a grant in the amount of $[redacted]. The AUS requires an award letter for grant the borrower received that provide the specific terms and conditions of the grant. |  |  |  | Reviewer Comment (2024-10-03): Received guidelines showing Assistance amounts<br>Seller Comment (2024-10-03): see program guidelines | 10/03/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699506 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The borrower received a grant in the amount of $[redacted]. The AUS requires an award letter for grant the borrower received that provide the specific terms and conditions of the grant. |  |  |  | Reviewer Comment (2024-10-03): Received guidelines showing Assistance amounts<br>Seller Comment (2024-10-03): see program guidelines | 10/03/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699508 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted]disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | The final Closing Disclosure reflects the Monthly Principal & Interest under Loan Terms as $[redacted]; however, there is a temporary buydown; therefore, the P&I is required to disclose the initial P&I of $[redacted]. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted] towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted]and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-10-04): [Redacted] received buydown agreement. However, only the borrower paid portion should be calculated in the CD loan calculations. Only the borrower portion of $[redacted] of the buydown subsidy should be calculated. As previously stated: Borrower paid portion of buydown and Loan Terms Monthly Principal & Interest payment not correctly disclosed. P&I based on borrower portion of buydown paid only and is calculated at $[redacted]. Corrected CD & LOE to borrower.<br>Seller Comment (2024-10-03): see other loan comments - total buydown is still $[redacted]<br>Reviewer Comment (2024-09-25): Borrower paid portion of buydown and Loan Terms Monthly Principal & Interest payment not correctly disclosed. P&I based on borrower portion of buydown paid only and is calculated at $[redacted]. Corrected CD & LOE to borrower.<br>Seller Comment (2024-09-24): The Final CD shows the correct P&I amount for Year [redacted] of $[redacted] |  | 10/17/2024 |  | 2 C B | C | B C |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699510 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing proof of homeownership education course completed as required by DU (#14) |  |  |  | Reviewer Comment (2024-09-20): S&D Defect |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619889 | XX | XX | XX | 33699511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Borrower paid portion of buydown and payment calculations did not include borrower payment calculations. Corrected CD & LOE to borrower. Amount Financed calculated at $[redacted]. Corrected CD, LOE, copy of cure refund for total finance charge underdisclosure and proof of mailing. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted] towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted] and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted] , and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-10-04): The lender's Finance Charge calculation accounts for the entire buydown payment schedule based on both borrower and lender paid amounts. However, as the temporary buydown is not reflected on the credit contract (Note) the portion paid by lender should not be considered in the calculation of the finance charge and any disclosures (see below reg citation from [redacted] (c)). Accordingly, the amount of interest paid during the temporary buydown period must include the lender paid portion of the buydown in the APR and finance charge calculation. To illustrate, for year [redacted] , while the buydown payment schedule provides for a bought down payment amount of $[redacted] in year [redacted], this amount takes into account both the borrower and the lender paid buydown. The regulations require the lender paid portion of the buydown that is not reflected in the credit contract be disregarded/not taken into account in the APR, Finance Charge, and other disclosures affected by it. Accordingly, to calculate the finance charge and APR, the year [redacted] P&I to include in the calculation would be $[redacted] which is the bought down P&I payment taking into account only the borrower paid portion of the temporary buydown. Finance charge under disclosure is valid and will require LOE, refund check to borrower, corrected PCCD, and proof of delivery to cure.<br>1026.17(c)<br> 4-ii. The rules regarding consumer buydowns do not apply to transactions known as "lender buydowns." In lender buydowns, a creditor pays an amount (either into an account or to the party to whom the obligation is sold) to reduce the consumer's payments or interest rate for all or a portion of the credit term. Typically, these transactions are structured as a buydown of the interest rate during an initial period of the transaction with a higher than usual rate for the remainder of the term. The disclosure of the finance charge and other disclosures affected by it for lender buydowns should be based on the terms of the legal obligation between the consumer and the creditor. See comment 17(c)(1)-3 for the analogous rules concerning third-party buydowns.<br>3-ii. If the third-party buydown is not reflected in the credit contract between the consumer and the bank and the consumer is legally bound to the 1[Redacted] rate from the outset, the disclosure of the finance charge and other disclosures affected by it given by the bank must not reflect the seller buydown in any way. For example, the annual percentage rate and disclosures required under §§ 1026.18(g), 1026.18(s), 1026.37(c), and 1026.38(c), as applicable, would not take into account the reduction in the interest rate and payment level for the first two years resulting from the buydown. The seller-paid amount is, however, disclosed as a credit from the seller in the summaries of transactions disclosed pursuant to § 1026.38(j) and (k).<br>5. Split buydowns. In certain transactions, a third party (such as a seller) and a consumer both pay an amount to the creditor to reduce the interest rate. The creditor must include the portion paid by the consumer in the finance charge and disclose the corresponding multiple payment levels, except as otherwise provided in §§ 1026.18(s), 1026.37(c), and 1026.38(c), and composite annual percentage rate. The portion paid by the third party and the corresponding reduction in interest rate, however, should not be reflected in the disclosure of the finance charge and other disclosures affected by it unless the lower rate is reflected in the credit contract. See the discussion on third-party and consumer buydown transactions elsewhere in the commentary to § 1026.17(c)..<br>Seller Comment (2024-10-03): see compliance report - this was disclosed accurately |  | 10/17/2024 |  | 2 B |  | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699512 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Borrower paid portion of buydown and payment calculations did not include borrower payment calculations. Corrected CD & LOE to borrower. Finance charge calculated at $[redacted]and is underdisclosed by $[redacted].. Corrected CD, LOE, copy of cure refund for total finance charge underdisclosure and proof of mailing. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted]towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted]and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-10-04): The lender's Finance Charge calculation accounts for the entire buydown payment schedule based on both borrower and lender paid amounts. However, as the temporary buydown is not reflected on the credit contract (Note) the portion paid by lender should not be considered in the calculation of the finance charge and any disclosures (see below reg citation from 1026.17(c)). Accordingly, the amount of interest paid during the temporary buydown period must include the lender paid portion of the buydown in the APR and finance charge calculation. To illustrate, for year [redacted] , while the buydown payment schedule provides for a bought down payment amount of $[redacted] in year [redacted] , this amount takes into account both the borrower and the lender paid buydown. The regulations require the lender paid portion of the buydown that is not reflected in the credit contract be disregarded/not taken into account in the APR, Finance Charge, and other disclosures affected by it. Accordingly, to calculate the finance charge and APR, the year 1 P&I to include in the calculation would be $[redacted] which is the bought down P&I payment taking into account only the borrower paid portion of the temporary buydown. Finance charge under disclosure is valid and will require LOE, refund check to borrower, corrected PCCD, and proof of delivery to cure.<br>1026.17(c)<br> 4-ii. The rules regarding consumer buydowns do not apply to transactions known as "lender buydowns." In lender buydowns, a creditor pays an amount (either into an account or to the party to whom the obligation is sold) to reduce the consumer's payments or interest rate for all or a portion of the credit term. Typically, these transactions are structured as a buydown of the interest rate during an initial period of the transaction with a higher than usual rate for the remainder of the term. The disclosure of the finance charge and other disclosures affected by it for lender buydowns should be based on the terms of the legal obligation between the consumer and the creditor. See comment 17(c)(1)-3 for the analogous rules concerning third-party buydowns.<br>3-ii. If the third-party buydown is not reflected in the credit contract between the consumer and the bank and the consumer is legally bound to the 1[Redacted] rate from the outset, the disclosure of the finance charge and other disclosures affected by it given by the bank must not reflect the seller buydown in any way. For example, the annual percentage rate and disclosures required under §§ 1026.18(g), 1026.18(s), 1026.37(c), and 1026.38(c), as applicable, would not take into account the reduction in the interest rate and payment level for the first two years resulting from the buydown. The seller-paid amount is, however, disclosed as a credit from the seller in the summaries of transactions disclosed pursuant to § 1026.38(j) and (k).<br>5. Split buydowns. In certain transactions, a third party (such as a seller) and a consumer both pay an amount to the creditor to reduce the interest rate. The creditor must include the portion paid by the consumer in the finance charge and disclose the corresponding multiple payment levels, except as otherwise provided in §§ 1026.18(s), 1026.37(c), and 1026.38(c), and composite annual percentage rate. The portion paid by the third party and the corresponding reduction in interest rate, however, should not be reflected in the disclosure of the finance charge and other disclosures affected by it unless the lower rate is reflected in the credit contract. See the discussion on third-party and consumer buydown transactions elsewhere in the commentary to § 1026.17(c)..<br>Seller Comment (2024-10-03): see Compliance Report - buydown was split out |  | 10/17/2024 |  | 2 B |  | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. | Borrower paid portion of buydown and payment calculations did not include borrower payment calculations. Payment stream 1 P&I $[redacted]year 1, payment stream 2 P&I $[redacted]year 2 and Stream 3&4 would be back to non-buydown P&I calculation of $[redacted]i. Corrected CD & LOE to borrower. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted]. [redacted] indicates borrower paid $[redacted]towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted]and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-10-04): [Redacted] received temporary buydown and compliance report. However, the lender's calculation of the projected P&I was based on the full buydown amount and not the portion ONLY paid by borrower. Calulated P&I is $[redacted] with only borrower paid portion. Corrected CD & LOE to borrower.<br>Seller Comment (2024-10-03): the total buydown is $[redacted]which is broken out in the agreement<br> Payment String [redacted]P&I = $[redacted]<br> Payment String [redacted]P&I = $[redacted]<br> Payment Strings [redacted] P&I = $[redacted] |  | 10/17/2024 |  | 2 B |  | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619889 | XX | XX | XX | 33699514 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Borrower paid portion of buydown and payment calculations did not include borrower payment calculations. Payment stream 1 P&I $[redacted]year 1, payment stream 2 P&I $[redacted]year 2 and Stream 3&4 would be back to non-buydown P&I calculation of $[redacted]. Corrected CD & LOE to borrower. |  |  |  | Reviewer Comment (2024-10-17): [Redacted] received PCCD, LOE and proof of mailing.<br>Seller Comment (2024-10-17): see other upload containing all PCCD documentation from today - PCCD, LOE and UPS Label<br>Reviewer Comment (2024-10-11): The buydown documents in file conflict with the PCCD provided on [redacted] [redacted] indicates borrower paid $[redacted]towards buydown, or the full amount of the buydown. Final CD indicates borrower paid $[redacted]and lender paid $[redacted]. As borrower paid amounts and lender paid amounts are calculated differently the inconsistency must be resolved. The Temporary Buydown documents in file also conflict, in the sam fashion as above, with one indicating a lender contribution to the buydown amount. While the only signed Buydown agreement indicates a borrower contribution of [redacted], and no lender contribution, the amount of $[redacted], noted on final CD as lender contribution is now noted as an administrative lender paid fee. Please provide documentation of the intended transaction for testing and confirm disclosure accuracy.<br>Seller Comment (2024-10-09): see PCCD upload<br>Reviewer Comment (2024-10-04): [Redacted] received temporary buydown and compliance report. However, the lender's calculation of the projected P&I was based on the full buydown amount and not the portion ONLY paid by borrower. Calulated P&I is $[redacted] with only borrower paid portion. Corrected CD & LOE to borrower.<br>Seller Comment (2024-10-03): see other comment - total buydown is $[redacted] which supports the breakdown |  | 10/17/2024 |  | 2 B |  | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619890 | XX | XX | XX | 33699516 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Business decision to close loan and fund with cash as the rental income calc needed doesn't meet secondary market requirements. Loan closed without MI - Invalid AUS - Excessive DTI |  |  |  | Reviewer Comment (2024-09-20): S&D Defect |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699517 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-01): Nothing more to do, buyer to accept<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699519 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | The guidelines allow for a maximum LTV of [redacted]% for a manually underwritten loan. The DU in the file is a Refer with Caution; therefore, the loan has to be manually underwritten. |  |  |  | Reviewer Comment (2024-10-03): Part of S&D due to the closing without MI<br>Seller Comment (2024-10-03): the disclosed defect on the bid tape: Business decision to close loan and fund with cash as the rental income calc needed doesn't meet secondary market requirements. Loan closed without MI<br>Business decision loans do NOT follow guidelines<br>Reviewer Comment (2024-10-01): Defect is due to Excessive DTI and not for LTV, buyer to review<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699520 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | The guidelines allow for a maximum DTI of [redacted]% for a manually underwritten loan. The DU in the file is a Refer with Caution; therefore, the loan has to be manually underwritten. |  |  |  | Reviewer Comment (2024-10-01): S&D defect<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699521 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The guidelines require a score of [redacted]with an LTV greater than [redacted]% and no reserve requirements for a manually underwritten loan. The DU in the file is a Refer with Caution; therefore, the loan has to be manually underwritten. In addition, there is not sufficient assets to met the [redacted]month reserve requirement for a lower credit score requirement. |  |  |  | Reviewer Comment (2024-10-01): Defect is due to Excessive DTI and not for LTV, buyer to review<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699522 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The guidelines allow for a maximum DTI of [redacted]%. The verified DTI is [redacted]%, which is the higher than DTI as the loan was approved with due to rental income calculation used allowed for income; however, borrowers have no rental management experience so only a wash of the P&I is allowed |  |  |  | Reviewer Comment (2024-10-01): S&D Defect<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 B C | B | B C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619890 | XX | XX | XX | 33699523 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The guidelines allow for a maximum DTI of [redacted]%. The verified DTI is [redacted]%, which is the higher than DTI as the loan was approved with due to rental income calculation used allowed for income; however, borrowers have no rental management experience so only a wash of the P&I is allowed |  |  |  | Reviewer Comment (2024-10-01): S&D Defect<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699524 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The guidelines allow for a maximum DTI of 45%. The verified DTI is 55.94896%, which is the higher than DTI as the loan was approved with due to rental income calculation used allowed for income; however, borrowers have no rental management experience so only a wash of the P&I is allowed |  |  |  | Reviewer Comment (2024-10-01): S&D Defect<br>Seller Comment (2024-09-24): The disclosed defect on this loan as to why were are selling it S&D was it being a Business Decision loan to close and fund with cash - Guidelines not met |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619890 | XX | XX | XX | 33699525 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-09-20): S&D defect |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699526 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The lender did not include a credit card payment of $[redacted]per month in the DTI. In addition, the lender used a hazard insurance payment of $[redacted]per month to qualify the loan; however, the actual hazard insurance payment is $[redacted]per month. This resulted in the DTI increasing from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2024-10-01): S&D reason<br>Seller Comment (2024-09-24): this was the disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699527 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2024-10-01): received final title<br>Seller Comment (2024-09-24): Final TPOL attached with full loan amount | 10/01/2024 |  |  | 1 B A | B | A B |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699528 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-10-01): received final title | 10/01/2024 |  |  | 1 A | A | A |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699530 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The lender did not include a credit card payment of $[redacted]per month in the DTI. In addition, the lender used a hazard insurance payment of $[redacted]per month to qualify the loan; however, the actual hazard insurance payment is $[redacted]per month. This resulted in the DTI increasing from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2024-10-01): S&D reason<br>Seller Comment (2024-09-24): this was disclosed as the reason for selling the loan |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699531 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The lender did not include a credit card payment of $[redacted]per month in the DTI. In addition, the lender used a hazard insurance payment of $[redacted]per month to qualify the loan; however, the actual hazard insurance payment is $[redacted]per month. This resulted in the DTI increasing from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2024-10-01): S&D reason<br>Seller Comment (2024-09-24): disclosed reason for selling the loan |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699532 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2024-10-01): received RTC<br>Seller Comment (2024-09-24): Right to Cancel | 10/01/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619891 | XX | XX | XX | 33699533 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The lender did not include a credit card payment of $[redacted]per month in the DTI. In addition, the lender used a hazard insurance payment of $[redacted]per month to qualify the loan; however, the actual hazard insurance payment is $[redacted]per month. This resulted in the DTI increasing from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2024-10-01): S&D reason<br>Seller Comment (2024-09-24): disclosed reason for selling the loan |  |  |  | 3 B C | B | B C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619891 | XX | XX | XX | 33699534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted].00 exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Extension Fee increased from $[redacted]on the initial Loan Estimate to $[redacted]on the final Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-09-26): [Redacted] Received Valid COC.<br>Seller Comment (2024-09-25): Change of Circumstance for lock extension covered the increased fee - no tolerance violation | 09/26/2024 |  |  | 1 B A | B | A B |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619891 | XX | XX | XX | 33699535 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard policy reflects coverage of $[redacted]. The replacement cost estimator reflects a value of $[redacted]6 and the appraisal reflects an estimated cost new of $[redacted]. The coverage is short $[redacted]. |  |  |  | Reviewer Comment (2024-10-01): Received renewal of Hazard Insurance, exception cleared.<br>Seller Comment (2024-09-30): Current HOI Policy for [redacted] has policy coverage of $[redacted]which is sufficient | 10/01/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699536 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | .S&D Reason - eNote - Repurchased loan due to Recourse Agreement that was triggered due to Delinquency - Prior audit was for incorrect debt calculation - Excessive DTI - Invalid AUS: The Borrower's monthly debt obligations were calculated incorrectly. Loan was delivered to Freddie Mac as an LPA Accept loan with a DTI ratio of [redacted]% but the monthly mortgage PITI payment & other monthly debt were not calculated correctly. Using total monthly income of $[redacted], subject housing payment of $[redacted]and total other monthly debt obligations of $[redacted], the LPA DTI ratio increased from [redacted]% to [redacted]%. This indicates insufficient income to support total obligations and invalidates the LPA Accept risk rating. The [redacted]% DTI exceeds the maximum DTI to qualify as a manually underwritten loan. FIMC calculated the new monthly PITI mortgage payment as $1,893 per month. ($[redacted]+ $[redacted]Insurance + [redacted]Taxes + $[redacted]HOA Dues)<br> Actual new PITI mortgage payment is $[redacted]per month. ([redacted]+ $[redacted]Insurance + $[redacted]Taxes + $[redacted]HOA Dues. FIMC calculated other monthly debt obligations as $[redacted]. ($[redacted]Kistap CU + $[redacted]Kistap CU + $[redacted]Child support), Actual other monthly debt obligations are $[redacted]. ($[redacted]Kistap CU + $[redacted]Kistap CU + $[redacted]Child + $[redacted]Home Depot), Loss Mit Workout Review [redacted]; Forbearance [redacted] - [redacted] Borrower Paid TAD IAO $[redacted]to bring loan current \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-22): S&D Defect |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699537 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-01): EV2 buyer to accept<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699538 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-10-01): S&D reason<br>Seller Comment (2024-09-24): this was disclosed - eNote will be converted at time of collateral shipment |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619891 | XX | XX | XX | 33699539 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on[redacted], prior to three ([redacted]) business days from transaction date of [redacted] [redacted] AM. |  |  |  |  | Reviewer Comment (2024-10-22): received wire for proof of disbursement<br>Seller Comment (2024-10-15): see attached wire screenshots - funding authorization given [redacted]<br>Reviewer Comment (2024-10-10): Received a final settlement statement showing disbursement of [redacted], please provide wire showing same as confirmation.<br>Seller Comment (2024-10-09): this loan didn't disburse until [redacted] per the Final ALTA statement<br>Reviewer Comment (2024-10-07): Disbursement cannot be on [redacted] must be on [redacted] after expiration date. As you have stated that is midnight of [redacted]<br>Seller Comment (2024-10-07): the disclosure states no later than midnight which means it can fund at midnight if it wasn't rescinded<br>Reviewer Comment (2024-10-04): Disbursement cannot be on [redacted] must be on [redacted] after expiration date. As you have stated that is midnight of [redacted]<br>Seller Comment (2024-10-04): The Right to Cancel reads no later than midnight of the [redacted] business day which is [redacted]<br>Reviewer Comment (2024-10-03): The transaction date is [redacted] borrower must have till midnight on the [redacted] business day to rescind, therefore disbursement should be the [redacted]<br>Seller Comment (2024-10-03): [redacted] counts [redacted] as a business day - loan closed [redacted] and disbursed on the [redacted] business day | 10/22/2024 |  |  | 1 A |  | A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619892 | XX | XX | XX | 33699540 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing evidence of insurance for the investment property located on xx |  |  |  | Reviewer Comment (2024-09-25): Property is land only and Taxes amount suffices the rental income, exception cleared<br>Seller Comment (2024-09-24): insurance | 09/25/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699541 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file contains an AUS that is dated after the loan closing. The pre-closing AUS is missing. |  |  |  | Reviewer Comment (2024-09-25): AUS provided, Exception cleared<br>Seller Comment (2024-09-24): AUS [redacted] | 09/25/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699542 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file contains only the signature page of the tax returns. The [redacted]and [redacted]full tax returns is needed for Seth. |  |  |  | Reviewer Comment (2024-09-25): 1040 - Schedule C ([redacted]), 1040 - Schedule C ([redacted]) provided, exception cleared<br>Seller Comment (2024-09-24): [redacted] return<br>Seller Comment (2024-09-24): page 1 [redacted] return | 09/25/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699543 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Unable to allocate loan due to Property Damage. There is fire damage to the detached garage and water damage to the dwelling basement. Damage occurred one day prior to closing and the borrower did not disclose the information at closing. Church check $[redacted]; Date of Loss - [redacted], Closing Date = [redacted]1. <br> •The damage is a fire to the detached garage only. The structure is a very nice shop and it will the claim amount limit was reached, Farmers paid all they are going to pay for the claim.<br> •The only damage done to the home is water damage to the basement. The repairs have been completed. \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699545 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-02): Buyer queue per seller, EV2<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | The loan does not contain an AUS prior to closing or the guidelines that the loan was underwritten to; therefore, cannot determine the qualifying DTI requirements. |  |  |  | Reviewer Comment (2024-10-02): received AUS<br>Seller Comment (2024-09-24): see other upload for AUS Findings | 10/02/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Refinance, Cash-out - Other | The loan does not contain an AUS prior to closing or the guidelines that the loan was underwritten to; therefore, cannot determine the qualifying credit requirements. |  |  |  | Reviewer Comment (2024-10-02): received AUS<br>Seller Comment (2024-09-24): see other upload for AUS Findings | 10/02/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted] | The file is missing the full tax returns for [redacted] for [redacted]. |  |  |  | Reviewer Comment (2024-10-02): received tax returns<br>Reviewer Comment (2024-10-02): No tax returns for [redacted]<br>Seller Comment (2024-09-24): loan closed in [redacted] therefore [redacted] would be the required tax return years - you cannot have [redacted]returns if a loan closes prior to that year ending | 10/02/2024 |  |  | 1 B A | B | A B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619892 | XX | XX | XX | 33699549 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The loan does not meet Safe Harbor due to missing the full tax returns and the guidelines the loan was underwritten to. |  |  |  | Reviewer Comment (2024-10-02): received AUS<br>Seller Comment (2024-09-24): tax returns provided | 10/02/2024 |  |  | 1 B A C | B | A C B |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619893 | XX | XX | XX | 33699552 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-10-08): received PDI | 10/08/2024 |  |  | 1 C A | C | A C |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619893 | XX | XX | XX | 33699554 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619893 | XX | XX | XX | 33699555 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619893 | XX | XX | XX | 33699556 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - This loan is not eligible for sale to Agency due to the age. The loan is pending damage repairs due to hurricane in LA. The subject property received minor soffit, fascia, and shingle damage during Hurricane Ida. Delays triggered from first, structural engineer scheduling to inspect foundation for leveling of the house prior to moving forward with any repairs. It was further delayed due to window and siding delays due to supply backorders for more than four months. Repairs due to hurricane have been completed. |  |  |  | Reviewer Comment (2024-09-22): S&D reason |  |  |  | 2 B | B | B |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619893 | XX | XX | XX | 33699557 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ | Appraisal Update, dated post closing[redacted] reveals property was inspected[redacted] and has visible storm damage from Hurrican Ida which effected the area on [redacted] |  |  |  | Reviewer Comment (2024-09-22): S&D reason |  |  |  | 3 C | C | C |  | LA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619894 | XX | XX | XX | 33699558 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-09-25): Received Property Inspection Report, exception cleared.<br>Seller Comment (2024-09-24): Disaster Inspection | 09/25/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699560 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - FIMC requested voluntary repurchase on the loan. Loan was scheduled to close [redacted] but the closing date was moved up to [redacted]<br> The HOI policy effective date was not changed and the policy was not active the day of closing. The property was damaged by a fire prior to the effective date on the insurance in the file. Due to the proven fire damage documentation and lack of insurance the mortgage loan was ineligible for delivery. Property has been repaired. Forbearance [redacted] - [redacted]; Forbearance[redacted] -[redacted]; Loss Mit Workout Review - [redacted] - removed due to missing docs. FC Referral [redacted]. Borrower Wired Funds IAO $[redacted]to bring loan current [redacted] \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-22): S&D defect |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699561 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for [redacted]xx. Lease Agreement and/or Tax Return not provided. | Due to unsigned 2019 personal tax returns. |  |  |  | Reviewer Comment (2024-10-03): Re-stated to Non-QM<br>Seller Comment (2024-10-03): see other uploads for documentation<br>Reviewer Comment (2024-10-02): Loan is Temp HPML and DTI exceeds [redacted] %, [Redacted]s to QM testing and is missing a lease<br>Seller Comment (2024-09-24): signed pages of tax returns | 10/03/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). | Due to unsigned 2019 personal tax returns. |  |  |  | Reviewer Comment (2024-10-03): Re-stated to Non-QM<br>Seller Comment (2024-10-03): P&L<br>Seller Comment (2024-10-03): loan closed in [redacted] = [redacted]/[redacted] returns were required<br>Reviewer Comment (2024-10-02): Loan fails temp QM due to DTI exceeding [redacted]%. One or more of the following documents is missing: 1) Most recent [redacted] yrs Signed and Dated Personal Tax returns (with Sched C); 2) Most recent YTD quarterly P&L Statement (if 1040s are > [redacted] days old at application); 3) Balance Sheet.<br>Seller Comment (2024-09-24): see signed pages upload | 10/03/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699564 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan Designation mismatch between loan data and compliance |  |  |  | Reviewer Comment (2024-10-03): Re-stated to Non-QM<br>Seller Comment (2024-10-03): see other uploads for documentation<br>Reviewer Comment (2024-10-02): Loan exceeds [redacted] % DTI and therefore fails Temp HPQM designation<br>Seller Comment (2024-09-24): what are you looking for? | 10/03/2024 |  |  | 1 B A C | B | A C B |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Temporary HPQM (GSE/Agency Eligible) | Non QM | Yes |
| 223619894 | XX | XX | XX | 33699565 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Due to scratch and dent loan, cannot be sold to Fannie Mae. |  |  |  | Reviewer Comment (2024-10-03): Re-stated to Non-QM<br>Seller Comment (2024-10-03): Compliance Report<br>Reviewer Comment (2024-10-02): Loan exceeds [redacted]% DTI and therefore fails Temp HPQM designation<br>Seller Comment (2024-09-24): S&D loan - what are you looking for? | 10/03/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699566 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Insurance provided [redacted]different dec pages, with [redacted] different effective dates ([redacted]); unable to determine if hazard coverage was in effect at time of loan closing |  |  |  | Reviewer Comment (2024-10-02): S&D defect<br>Seller Comment (2024-09-24): reason disclosed for selling the loan was in regards to HOI Insurance being inactive at time of closing due to closing date change |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699567 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non-QM |  |  |  | Seller Comment (2024-10-04): EV2 rating - buyer to clear |  |  |  | 2 A B |  | B A |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619894 | XX | XX | XX | 33699568 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Purchase | C B A | Temporary HPQM (GSE/Agency Eligible) | Non QM | No |
| 223619895 | XX | XX | XX | 33699569 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Appraisal Discrepancies: FNMA's analysis of the subject loan reflects certain elements that do not meet, or no longer meet the terms or requirements due to certain selling and/or servicing violations listed below Ineligble Property - Environmental Hazards, Inadequate Comparable Adjustment(s), General Appraisal Requirements. The original appraisal was transferred from xx, the original appraiser would not assist FIMC with rebuttal. According to the appraisal report, the subject property was located within .25 mile from a county landfill. There were recorded remunerations to be paid to the owners of the subject property in perpetuity by the county, due to potential and unforeseen environmental issues (i.e., soil contamination, odors) that may or may not occur due to the existence of this landfill. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market-based adjustments without regard to arbitrary limits on the size of the adjustment. The appraiser made $20 per square foot adjustment(s) for differences in gross living area to the comparable sales. The adjustment(s) did not appear to be supported. The appraiser cited the adjustment was derived from matched pairs analysis; however, the data used to derive the adjustment was not provided. The appraiser's analysis was insufficient. The appraiser made $1,500 per acre adjustment(s) for differences in site size to the comparable sales. The adjustment(s) did not appear to be supported. The appraiser cited the applied site adjustments were based on matched pairs analysis; however, the data used for matched pairs was not provided. The appraiser made $50,000 adjustment(s) for differences in design (style) to sales three and four. The adjustment(s) did not appear to be supported.<br> The appraiser made $3,000 adjustment(s) for differences in location to comparable sales one, three and four. The adjustment(s) did not appear to be supported. The subject's location was reported as adverse due to location within .25 mile of a landfill. Comparable sales one, three and four had neutral, rural locations and were not impacted by external influences. The appraiser cited the location adjustments were derived from matched pairs analysis; however, the appraiser also cited there were no sales with similar proximity to a landfill. The appraiser's analysis was insufficient. The appraiser failed to demonstrate that sale two's proximity to a dairy farm was a similar adverse influence to the subject's proximity to a land fill.<br> The appraiser made a $[redacted]adjustment(s) for differences in age to comparable sale one, an $[redacted]adjustment to comparable sale two, and a $[redacted]adjustment to comparable sale four. The adjustment(s) did not appear to be supported. The appraiser cited the age adjustments were based on matched pairs analysis; however, the data used to derive the adjustments was not provided. The appraiser has failed to demonstrate value and marketability of the subject property through use of sales with similar influences due to proximity to a landfill. |  |  |  | Reviewer Comment (2024-09-22): S&D Defect |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619895 | XX | XX | XX | 33699571 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-02): EV2 buyer queue<br>Seller Comment (2024-09-24): Ev2 rating - buyer to clear |  |  |  | 2 B | B | B |  | WI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619895 | XX | XX | XX | 33699572 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is rural in location and is near a landfill (.25 miles) - investor consideration required |  |  |  | Reviewer Comment (2024-10-02): S&D reason<br>Seller Comment (2024-09-24): disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | WI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619895 | XX | XX | XX | 33699573 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | The subject property is located .25 miles from a landfill; no other properties are located in same vicinity - Appraiser notes payment to owners in [redacted]were $[redacted]and shall be made annually during the active site life of the landfill and shall by [redacted]% of direct payment due for waste deposited in the landfill. Owners of the property will receive a guaranteed amount of $[redacted]annually. |  |  |  | Reviewer Comment (2024-09-22): S&D Defect |  |  |  | 3 C | C | C |  | WI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619895 | XX | XX | XX | 33699574 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-10-02): S&D reason<br>Seller Comment (2024-09-24): disclosed - will be converted at time of collateral shipment |  |  |  | 3 C | C | C |  | WI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619896 | XX | XX | XX | 33699577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2024-09-26): [Redacted] received valid COC dated [redacted].<br>Seller Comment (2024-09-24): COC[redacted] covers the increased fee as the rate was changed with buydown | 09/26/2024 |  |  | 1 C A | C | A C |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619896 | XX | XX | XX | 33699578 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - This loan is not able to be sold to FNMA due to borrower not completing the homebuyer education cert prior to closing. Unable to get an exception from FNMA due to the number of exceptions granted in a short period of time on the same program for the same infraction. |  |  |  | Reviewer Comment (2024-09-18): S&D reason |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619896 | XX | XX | XX | 33699579 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-09-18): S&D reason |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619896 | XX | XX | XX | 33699580 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Buyers are first time homebuyers on a purchase with LTV exceeding [redacted]%, missing proof of homebuyer education was completed as required by FNMA |  |  |  | Reviewer Comment (2024-09-18): S&D reason |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619897 | XX | XX | XX | 33699581 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Repurchased loan due to Delinquency Recourse being triggered that deferred repurchase. Original defect was due to Self-Employed Income Stability: The Borrower's capacity to repay the subject mortgage and all other monthly obligations was not established. The Borrower's self-employment income is not stable and durable. The loan application indicates, at the time of loan origination, the Borrower is self-employed at xx as a Sales Distributor for over three years earning a monthly income of $[redacted]. The YTD profit and Loss statement is not dated within sixty-days of the Note date. The loan file does not contain two months of business bank statements documenting business revenue. The loan does not comply with the COVID-19 requirements. In the absence of the required documentation, the Borrowers debt-to-income (DTI) ratio cannot be determined. As a result, the Desktop Underwriter (DU) Findings have been invalidated and the subject loan is not eligible for a manual review. \*\*Credit Score will be impacted by mortgage payment history\*\* |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619897 | XX | XX | XX | 33699583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation mismatch between loan data and compliance |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 B C | B | B C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223619897 | XX | XX | XX | 33699584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). |  |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619897 | XX | XX | XX | 33699585 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing tax returns as required by AUS #15 |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619897 | XX | XX | XX | 33699586 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per the AUS #15 tax returns are required |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619897 | XX | XX | XX | 33699587 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing returns as required by AUS |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619897 | XX | XX | XX | 33699588 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing required income docs per AUS |  |  |  | Reviewer Comment (2024-09-23): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619898 | XX | XX | XX | 33699589 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The borrowers did not sign the final application. |  |  |  | Reviewer Comment (2024-09-25): Received Final 1003, exception cleared.<br>Seller Comment (2024-09-24): Final 1003 | 09/25/2024 |  |  | 1 C A | C | A C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699591 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2024-10-02): received RTC<br>Seller Comment (2024-09-24): Right to Cancel | 10/02/2024 |  |  | 1 B A | B | A B |  | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | Yes |
| 223619898 | XX | XX | XX | 33699592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM (43-Q). | Loan does not meet the Temporary Safe Harbor loan designation. |  |  |  | Seller Comment (2024-10-03): what are you needing?<br>Reviewer Comment (2024-10-02): [Redacted] due to no longer being agency salable<br>Seller Comment (2024-09-24): see compliance report that was ran prior to closing |  |  |  | 3 B C | B | B C |  | DE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | Yes |
| 223619898 | XX | XX | XX | 33699593 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Repurchased loan due to Debt no Paid at Closing - Excessive LTV/CLTV: The subject loan was delivered as a first lien transaction. The loan file does not contain evidence the existing lien was released or subordinated to the subject lien. The subject loan was delivered with a HCLTV of [redacted]%. The high credit limit of the HELOC was not used to calculate the HCLTV. |  |  |  | Reviewer Comment (2024-09-23): S&D defect |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699594 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-10-02): S&D Defect<br>Seller Comment (2024-09-24): disclosed - will be converted with collateral shipment |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699595 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CD showed payoff amount of the HELOC however, the loan did not contain documentation the borrower closed the HELOC and therefore should be used to calculate the CLTV |  |  |  | Reviewer Comment (2024-09-23): S&D reason |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699596 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds AUS high loan to value percentage of ___ | The CD showed payoff amount of the HELOC however, the loan did not contain documentation the borrower closed the HELOC and therefore should be used to calculate the CLTV |  |  |  | Reviewer Comment (2024-10-02): S&D Defect<br>Seller Comment (2024-09-24): disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699597 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___. | The CD showed payoff amount of the HELOC however, the loan did not contain documentation the borrower closed the HELOC and therefore should be used to calculate the CLTV |  |  |  | Reviewer Comment (2024-10-02): S&D defect<br>Seller Comment (2024-09-24): disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699598 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The CD showed payoff amount of the HELOC however, the loan did not contain documentation the borrower closed the HELOC and therefore should be used to calculate the DTI |  |  |  | Reviewer Comment (2024-10-02): S&D defect<br>Seller Comment (2024-09-24): disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619898 | XX | XX | XX | 33699599 |  | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. |  | Unable to determine lien position due to no proof of HELOC being closed |  |  |  | Reviewer Comment (2024-10-02): S&D defect<br>Seller Comment (2024-09-24): disclosed reason for selling the loan S&D |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | C A | Temporary SHQM (GSE/Agency Eligible) | Safe Harbor QM (43-Q) | No |
| 223619899 | XX | XX | XX | 33699600 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2024-10-11): Security Instrument Received, Exception Cleared<br>Seller Comment (2024-10-10): rec mtg just came in, attached.<br>Seller Comment (2024-10-10): Rec Mtg<br>Reviewer Comment (2024-10-10): Missing subject lien mortgage<br>Seller Comment (2024-10-09): What exactly are you asking for on the subject property? | 10/11/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699601 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-10-10): received<br>Seller Comment (2024-10-09): lease agreement uploaded | 10/10/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699602 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2024-10-10): Received<br>Seller Comment (2024-10-09): Appraisal docs uploaded<br>Seller Comment (2024-10-09): Appraisal Docs<br>Reviewer Comment (2024-10-04): Buyer to review<br>Seller Comment (2024-10-04): should not apply to Seller, SD sale not being securitized. | 10/10/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699604 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-10-10): Received<br>Seller Comment (2024-10-09): appraisal docs uploaded | 10/10/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699605 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2024-10-10): Received<br>Seller Comment (2024-10-09): Appraisal docs uploaded | 10/10/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699607 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Lease agreement is missing hence raising exception. |  |  |  | Reviewer Comment (2024-10-10): Received lease<br>Seller Comment (2024-10-09): lease agreements uploaded | 10/10/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| 223619899 | XX | XX | XX | 33699608 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement is missing hence raising exception. |  |  |  | Reviewer Comment (2024-10-10): Received lease<br>Seller Comment (2024-10-09): lease agreements uploaded<br>Seller Comment (2024-10-09): Rental agreements | 10/10/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699609 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Lease agreement is missing hence raising exception. |  |  |  | Reviewer Comment (2024-10-10): Received lease | 10/10/2024 |  |  | 1 A | A | A |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699610 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2024-10-10): [redacted] received evidence for initial CD.<br>Seller Comment (2024-10-09): initial CD was emailed on [redacted]. document was viewed on [redacted], thus [redacted] counts as day [redacted]. Day [redacted]= [redacted]. Day [redacted]. Fund on [redacted].<br>eTracking snapshots have been uploaded<br>Seller Comment (2024-10-09): eTracking document | 10/10/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699611 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Occupancy Misrepresented |  |  |  | Reviewer Comment (2024-09-24): S&D defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619899 | XX | XX | XX | 33699612 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | B |  | IL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 223619900 | XX | XX | XX | 33699613 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-23): Received Secondary Valuation exception cleared<br>Reviewer Comment (2024-10-10): Buyer review requested<br>Seller Comment (2024-10-09): This appears to be an internal securitization requirement and not a guideline requirement - [redacted]to review for possible waiver. | 10/23/2024 |  |  | 1 D A | D | A D |  | TN | Investment | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | N/A | No |
| 223619900 | XX | XX | XX | 33699614 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Investment | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | N/A | No |
| 223619900 | XX | XX | XX | 33699615 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Capacity-Borrowers income calculated incorrectly/Primary Res housing obligation calculated incorrectly. The accurate dti is [redacted]after correctly calculating the income and debts. |  |  |  | Reviewer Comment (2024-10-01): S&D defect |  |  |  | 2 B | B | B |  | TN | Investment | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | N/A | No |
| 223619900 | XX | XX | XX | 33699616 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Investment | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | N/A | No |
| 223619901 | XX | XX | XX | 33699617 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - HomeStyle Renovation loan - Aged greater than [redacted]months from closing. Ineligible for delivery. |  |  |  | Reviewer Comment (2024-10-01): S&D Defect |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699618 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-23): Received Secondary Valuation exception cleared<br>Reviewer Comment (2024-10-10): Buyer review requested<br>Seller Comment (2024-10-09): This appears to be an internal securitization requirement and not a guideline requirement - [redacted]to review for possible waiver. | 10/23/2024 |  |  | 1 D A | D | A D |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699619 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-23): Without the [redacted], appraisal report is incomplete. Inspection report which shows [redacted]% complete. Buyer to review as acceptable. Inspection report is not performed by a license appraiser. This will remain an exception that is a "C" grade for property<br>Seller Comment (2024-10-23): Inspection report showing all items [redacted]% complete.<br>Seller Comment (2024-10-23): Inspection report showing all items [redacted]% complete with Contractor signing release of any liens. |  |  |  | 3 C | C | C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699620 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-10-11): Received PDI<br>Reviewer Comment (2024-10-10): Buyer review requested<br>Seller Comment (2024-10-09): Disaster occurred after loan origination, Seller would not have been required to obtain valuation inspection. [redacted] shows property existing with no apparent damage; however, data may be [redacted] years old. [redacted]to advise on process for proceeding and if inspection report is required to proceed.<br>Seller Comment (2024-10-09): Disaster occurred after loan origination, Seller would not have been required to obtain valuation inspection. [redacted] shows property existing with no apparent damage. | 10/11/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699622 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-26): Sufficient Cure Provided At Closing |  | 09/26/2024 |  | 1 A | A | A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure B | Exempt from ATR | Non QM | Yes |
| 223619901 | XX | XX | XX | 33699623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - [redacted]% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for [redacted]. Lease Agreement not provided or % of gross rents used is greater than [redacted]%. |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM and [redacted] to review for Level [redacted]Open - Unable to clear for missing lease agreement. The subject property is [redacted]-units and vacant at time of origination and subject to as this is a HomeStyle renovation loan. There is no lease agreement as Seller used [redacted]% of the gross rents of Units [redacted] from [redacted]at $[redacted]each for $[redacted]x [redacted]% = $[redacted]. LOE in file (page [redacted]) indicates the borrower's intent to occupy one of the units of the subject property when renovation is completed. Selling Guidelines for Borrower does not have history of receiving rental income from subject property with the loan as a refinance - documentation required is [redacted]and copies of current lease agreements. Since the subject property was vacant at time of origination and a HomeStyle Renovation loan, there was no lease agreement. [redacted] to review for exception on missing lease agreement.<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): Requesting [redacted]to review for Level [redacted]Open - Unable to clear<br>Reviewer Comment (2024-10-10): Please provide attestation for loan exemption from lender for review to determine exempt from ATR Testing. Attestation should be specific to this transaction and confirming transaction was exempt and reasoning (bond loan, credit of extension as administered by HFA,...)<br>Seller Comment (2024-10-09): The subject property is [redacted]-units and vacant at time of origination and subject to as this is a HomeStyle renovation loan. There is no lease agreement as Seller used [redacted]% of the gross rents of Units [redacted] from [redacted]at $[redacted]each for $[redacted]x [redacted]% = $[redacted]. LOE in file (page [redacted]) indicates the borrower's intent to occupy one of the units of the subject property when renovation is completed. Selling Guidelines for Borrower does not have history of receiving rental income from subject property with the loan as a refinance - documentation required is [redacted]and copies of current lease agreements. Since the subject property was vacant at time of origination and a HomeStyle Renovation loan, there was no lease agreement. [redacted]to review for exception on missing lease agreement. | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699624 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Boarder Income Ineligible Test | Qualified Mortgage (Dodd-Frank 2014): Boarding Income requires Tax Returns values and cannot use Vacancy Method for income considerations. |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): Requesting [redacted] to review for Level [redacted]Open - Unable to clear<br>Reviewer Comment (2024-10-10): Please provide attestation for loan exemption from lender for review to determine exempt from ATR Testing. Attestation should be specific to this transaction and confirming transaction was exempt and reasoning (bond loan, credit of extension as administered by HFA,...)<br>Seller Comment (2024-10-09): The subject property is [redacted]-units and vacant at time of origination and subject to as this is a HomeStyle renovation loan. There is no lease agreement as Seller used [redacted]% of the gross rents of Units [redacted] from [redacted]at $[redacted]each for $[redacted] x [redacted]% = $[redacted]. LOE in file (page [redacted]) indicates the borrower's intent to occupy one of the units of the subject property when renovation is completed. Selling Guidelines for Borrower does not have history of receiving rental income from subject property with the loan as a refinance - documentation required is [redacted]and copies of current lease agreements. Since the subject property was vacant at time of origination and a HomeStyle Renovation loan, there was no lease agreement. [redacted] to review for exception on missing lease agreement. | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699625 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | Missing required doc for ATR, no proof loan is exempt from ATR |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM.<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): Requesting [redacted] to review for Level [redacted]Open - Unable to clear<br>Reviewer Comment (2024-10-10): Please provide attestation for loan exemption from lender for review to determine exempt from ATR Testing. Attestation should be specific to this transaction and confirming transaction was exempt and reasoning (bond loan, credit of extension as administered by HFA,...)<br>Seller Comment (2024-10-09): Seller does not have specified loan designation, Mavent reflected Exempt. Final Designation determined by Due Diligence review. | 10/29/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D C B | Exempt from ATR | Non QM | Yes |
| 223619901 | XX | XX | XX | 33699626 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Ability To Repay Not Exempt- Exempt Designation | Ability to Repay (Dodd-Frank 2014): Subject loan does not meet the requirements of Non-standard to Standard refinance exemption. | Missing required doc for ATR, no proof loan is exempt from ATR |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM.<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): Requesting [redacted] to review for Level [redacted]Open - Unable to clear<br>Reviewer Comment (2024-10-10): Please provide attestation for loan exemption from lender for review to determine exempt from ATR Testing. Attestation should be specific to this transaction and confirming transaction was exempt and reasoning (bond loan, credit of extension as administered by HFA,...)<br>Seller Comment (2024-10-09): Seller does not have specified loan designation, Mavent reflected Exempt. Final Designation determined by Due Diligence review. | 10/29/2024 |  |  | 1 A C | B | A C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Missing required doc for ATR, no proof loan is exempt from ATR |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM. AUS findings with Approve/Eligible with [redacted]% DTI (page [redacted]credit file).<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): Requesting [redacted] to review for Level [redacted]Open - Unable to clear<br>Reviewer Comment (2024-10-10): Please provide attestation for loan exemption from lender for review to determine exempt from ATR Testing. Attestation should be specific to this transaction and confirming transaction was exempt and reasoning (bond loan, credit of extension as administered by HFA,...)<br>Seller Comment (2024-10-09): Seller does not have specified loan designation, Mavent reflected Exempt. Final Designation determined by Due Diligence review. AUS findings with Approve/Eligible with [redacted]% DTI (page [redacted]credit file). | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619901 | XX | XX | XX | 33699628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Refinance - Rate/Term | D C B | Exempt from ATR | Non QM | No |
| 223619902 | XX | XX | XX | 33699629 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | NPMA-33 Wood Destroying Insect Inspection Report is missing. |  |  |  |  |  | Reviewer Comment (2024-10-10): Buyer to review for consideration of waiver<br>Seller Comment (2024-10-09): [redacted] indicates okay to waive, requesting waiver. |  |  |  | 3 C | C | C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699630 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-23): Received Secondary Valuation exception cleared<br>Reviewer Comment (2024-10-10): Buyer to review<br>Seller Comment (2024-10-09): This appears to be an internal securitization requirement and not a guideline requirement - [redacted] to review for possible waiver | 10/23/2024 |  |  | 1 D A | D | A D |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699632 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Insuring issue: Guaranty is less than [redacted]% |  |  |  | Reviewer Comment (2024-09-30): S&D defect |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699633 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2024-10-23): Received [redacted]/[redacted]completion report, Exception Cleared.<br>Seller Comment (2024-10-23): [redacted]<br>Seller Comment (2024-10-23): [redacted]provided by Seller | 10/23/2024 |  |  | 1 C A | C | A C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699634 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 0[redacted] are underdisclosed. | HOA payment was not included in the non escrow costs year 1 on the final CD. |  |  |  | Reviewer Comment (2024-10-17): [redacted] received corrected PCCD to LOE.<br>Seller Comment (2024-10-16): FedEx label for LOE and redisclosed CD<br>Seller Comment (2024-10-16): LOE & redisclosed CD<br>Seller Comment (2024-10-16): Seller has provided LOE and re-disclosed CD with the HOA reflected on page [redacted]and page [redacted] of CD.<br>Reviewer Comment (2024-10-10): [Redacted] received rebuttal comment that the HOA dues were not escrowed. But provided final CD did not complete the Estimated [redacted], Insurance & Assessments field on page [redacted] in escrows are included or not and page [redacted]non-escrow property costs over [redacted]year was not completed. Letter of Explanation and Corrected CD required to cure.<br>Seller Comment (2024-10-09): HOA dues are not escrowed. HOA dues are $[redacted]/month and [redacted]/[redacted] were collected at closing with buyer to pay for $[redacted](page [redacted]). First payment due is [redacted] of which borrower would be responsible to pay on their own. |  | 10/17/2024 |  | 2 C B | C | B C |  | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | VA Safe Harbor QM | Non QM | Yes |
| 223619902 | XX | XX | XX | 33699636 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | VA Guaranty is less than [redacted]% |  |  |  | Reviewer Comment (2024-09-30): S&D defect |  |  |  | 3 C | C | C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - [redacted]% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for [redacted]. Lease Agreement not provided or % of gross rents used is greater than [redacted]%. |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM. Per [redacted]- if there is no indication that the property will be difficult to rent, can use the prospective rental income to only offset the mortgage payment on the rental property. Seller utilized this as the rental was a loss. There is no lease agreement and Seller used a rental analysis in place of the agreement. Letter of intent to rent in file (page [redacted]) with rental analysis for $[redacted]/month and range of $[redacted]-$[redacted](page [redacted]-[redacted]). Income calculated at $[redacted]x [redacted]% = $[redacted]- $[redacted]= <$[redacted]> loss. S&D reason is Guaranty is less than [redacted]%. [redacted] to review for Level [redacted]Open - Unable to clear.<br>Reviewer Comment (2024-10-14): If loan is a bond loan, please provide required attestation on letterhead for exemption status<br>Seller Comment (2024-10-11): [redacted] to review as DD indicates Loan fails [redacted]QM testing and rolls to ATR - does not meet ATR.<br>Reviewer Comment (2024-10-10): Loan fails [redacted]QM testing and rolls to ATR - does not meet ATR - buyer to review<br>Seller Comment (2024-10-09): Per VA - if there is no indication that the property will be difficult to rent, can use the prospective rental income to only offset the mortgage payment on the rental property. Seller utilized this as the rental was a loss. There is no lease agreement and Seller used a rental analysis in place of the agreement. Letter of intent to rent in file (page [redacted]) with rental analysis for $[redacted]/month and range of $[redacted]-$[redacted](page [redacted]-[redacted]). Income calculated at $[redacted]x [redacted]% = $[redacted]- $[redacted]= <$[redacted]> loss. | 10/29/2024 |  |  | 1 C A | C | A C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699638 |  | Compliance | Compliance | Miscellaneous Compliance | ATR/QM Defect | Rental Income Vacating Primary | Unable to determine compliance with Rental income requirements due to missing information. |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation per client direction<br>Seller Comment (2024-10-23): Change loan designation to Non-QM. Per VA - if there is no indication that the property will be difficult to rent, can use the prospective rental income to only offset the mortgage payment on the rental property. Seller utilized this as the rental was a loss. There is no lease agreement and Seller used a rental analysis in place of the agreement. Letter of intent to rent in file (page [redacted]) with rental analysis for $[redacted]/month and range of $[redacted]-$[redacted](page [redacted]-[redacted]). Income calculated at [redacted][redacted]x [redacted]% = $[redacted]- $[redacted]= <$[redacted]> loss. S&D reason is Guaranty is less than [redacted]%. [redacted] to review for Level [redacted]Open - Unable to clear.<br>Reviewer Comment (2024-10-10): Loan fails VA QM testing and rolls to ATR - does not meet ATR - buyer to review<br>Seller Comment (2024-10-09): Per VA - if there is no indication that the property will be difficult to rent, can use the prospective rental income to only offset the mortgage payment on the rental property. Seller utilized this as the rental was a loss. There is no lease agreement and Seller used a rental analysis in place of the agreement. Letter of intent to rent in file (page [redacted]) with rental analysis for $[redacted]/month and range of $[redacted]-$[redacted](page [redacted]-[redacted]). Income calculated at $[redacted]x [redacted]% = $[redacted]- $[redacted] = <$[redacted]> loss. | 10/29/2024 |  |  | 1 C A | C | A C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699639 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | VA QM Eligibility | VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. | No longer agency salable |  |  |  | Reviewer Comment (2024-10-08): S&D Defect |  |  |  | 3 C | C | C |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619902 | XX | XX | XX | 33699640 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan fails QM testing |  |  |  | Reviewer Comment (2024-10-08): S&D Defect |  |  |  | 3 B C | B | B C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status D C | VA Safe Harbor QM | Non QM | Yes |
| 223619902 | XX | XX | XX | 33699641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | TN | Primary | Purchase | D C A | VA Safe Harbor QM | Non QM | No |
| 223619903 | XX | XX | XX | 33699642 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS provided in file is post-closing which is not acceptable as per guidelines. |  |  |  | Reviewer Comment (2024-10-08): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699643 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  |  |  |  |  | Reviewer Comment (2024-10-10): Move to buyer for consideration of waiver<br>Seller Comment (2024-10-09): [redacted] indicates okay to waive, requesting waiver |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699644 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699645 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (2024-10-14): Seller is requesting buyer review - please advise<br>Seller Comment (2024-10-11): [redacted] to review for Level [redacted]Open-Unable to clear. There is an email dated [redacted] to the borrower with verbiage indicating copy of appraisal has been enclosed (page [redacted]of credit file). Email would confirm receipt of appraisal report and shows an attachment.<br>Reviewer Comment (2024-10-10): Loan is fails Safe Harbor and is Higher Priced, please review - the compliancy is related to the appraisal not having receipt [redacted]days prior to consummation.<br>Seller Comment (2024-10-09): Appraisal was completed [redacted]. There is an appraisal acknowledgment form which outlines that by signing the form, the borrowers wish to proceed with loan closing and that they acknowledge either receipt of the appraisal report three or more business days prior to loan closing or alternatively, they previously waived right to review the appraisal report [redacted]or more business days prior to loan closing - this is signed and dated[redacted] (page [redacted]of credit file). There is also an email dated [redacted] to the borrower with verbiage indicating copy of appraisal has been enclosed (page [redacted]). |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699646 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-10-14): Seller is requesting buyer review - please advise<br>Seller Comment (2024-10-11): [redacted] to review for Level [redacted]Open-Unable to clear. There is an email dated [redacted] to the borrower with verbiage indicating copy of appraisal has been enclosed (page [redacted]of credit file). Email would confirm receipt of appraisal report and shows an attachment.<br>Reviewer Comment (2024-10-10): No proof borrower received it [redacted]days prior to consummation, proof of receipt is required<br>Seller Comment (2024-10-09): Appraisal was completed [redacted]. There is an appraisal acknowledgment form which outlines that by signing the form, the borrowers wish to proceed with loan closing and that they acknowledge either receipt of the appraisal report three or more business days prior to loan closing or alternatively, they previously waived right to review the appraisal report [redacted]or more business days prior to loan closing - this is signed and dated [redacted] (page [redacted]of credit file). There is also an email dated [redacted] to the borrower with verbiage indicating copy of appraisal has been enclosed (page [redacted]of credit file). |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699647 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after 05/14/2024 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure dated [redacted]has increased APR. |  |  |  | Reviewer Comment (2024-10-24): [redacted] received[redacted]CD and [redacted]COC. However, the documentation does not address this violation. The issue relates to the Final CD issued[redacted] had a change in APR that exceeded .[redacted]% and requires a [redacted]business day waiting period prior to closing. The Prior CD, the initial CD, issued [redacted]has an APR of [redacted]% and the subsequent CD, the final CD, issued [redacted] has an APR of [redacted]% which was not received by borrower 3 business days prior to consummation. Timing was not met.<br>Seller Comment (2024-10-23): CIC and PCCD<br>Seller Comment (2024-10-23): Seller provided CIC and PCCD for review. |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699649 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Loan was UW with incorrect Social Security number, this was discovered during the insuring process. When the SSI number was corrected, the DU DTI over [redacted]% and refer. |  |  |  | Reviewer Comment (2024-09-30): S&D Defect |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation is Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2024-10-14): Seller is requesting buyer review - please advise<br>Seller Comment (2024-10-11): Seller does not provide designations, original designation provided from [redacted]. Final Designation to be determined by DD review. [redacted] indicates okay to waive, requesting waiver Seller or review for Level [redacted]Open - Unable to clear.<br>Reviewer Comment (2024-10-10): Loan is fails Safe Harbor and is Higher Priced, please review<br>Seller Comment (2024-10-09): [redacted] indicates okay to waive, requesting waiver |  |  |  | 3 B C | B | B C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619903 | XX | XX | XX | 33699651 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | Waterfall due to missing guidelines. |  |  |  | Reviewer Comment (2024-10-08): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699652 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: 648, Occupancy: Primary, Purpose: Purchase, | Waterfall due to missing guidelines. |  |  |  | Reviewer Comment (2024-10-08): S&D Defect |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699653 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Waterfall due to missing guidelines. |  |  |  | Reviewer Comment (2024-10-08): S&D Defect |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619903 | XX | XX | XX | 33699654 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No cure has been provided. |  |  |  | Reviewer Comment (2024-10-24): [redacted] received PCCD showing $[redacted]Compensation was paid by others. The amount is also updated under principal reduction. However, payment history is missing for the same. Also, the COC dated [redacted] provided for change in Compensation plan but no reason provided why Compensation plan was switched. Please provide additional information to validate the change and also, LOE to borrower for changes made on PCCD and payment history for principal reduction provided.<br>Seller Comment (2024-10-23): CIC and PCCD<br>Seller Comment (2024-10-23): Seller provided CIC and PCCD for review. |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619904 | XX | XX |  | 33699656 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-10-22): Received CDA, Exception Cleared<br>Reviewer Comment (2024-10-01): [Redacted] UCDP CU score of [redacted]is greater than [redacted]. Secondary valuation required for loan securitization.<br>Buyer Comment (2024-09-27): Comment from [redacted] [redacted] (Loan Depot - [redacted]): This finding is not valid. 2nd AVM not required | 10/22/2024 |  |  | 1 D A | D | A D |  | NY | Investment | Purchase | D A | N/A | N/A | No |
| 223619905 | XX | XX |  | 33699658 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-10-29): Received in trailing documents.<br>Seller Comment (2024-10-28): Comment from [redacted] [redacted] (Loan Depot - [redacted]): proof of delivery | 10/29/2024 |  |  | 1 B A | B | A B |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619905 | XX | XX |  | 33699660 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-25): Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted]<br>Seller Comment (2024-10-25): Comment from [redacted] [redacted] (Loan Depot - [redacted]): no damage |  |  | 10/25/2024 | 2 B |  | B |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619907 | XX | XX | XX | 33699663 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - MI was rescinded and we subsequently repurchased from Fannie Mae. Primary residence occupancy could not be supported. The departure residence was retained and is superior to the subject property in style, size, value and amenities. The borrower did not move into the subject property immediately after closing. |  |  |  | Reviewer Comment (2024-10-16): S&D Defect |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699664 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-11-14): Received [redacted]approval for condo in trailing docs.<br>Seller Comment (2024-11-13): CPM<br>Seller Comment (2024-11-13): This is a correspondent loan and the condo review was completed by the Correspondent lender and a Condo/PUD warranty form was not completed. However, the condo is approved by Fannie - confirmed on condo.fanniemae.com. Please see attached | 11/14/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699665 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for [redacted]. Lease Agreement and/or Tax Return not provided. |  |  |  |  | Reviewer Comment (2024-11-14): Received Schedule E for [redacted]for REO property.<br>Seller Comment (2024-11-07): Amended Tax returns for [redacted]in file starting on page [redacted]with Schedule 'E' reflecting rental property located at [redacted][redacted][redacted][redacted]. | 11/14/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 223619907 | XX | XX | XX | 33699667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-20): Buyer to review/accept as VVOE is post closing and does not meet ATR<br>Seller Comment (2024-11-20): [redacted] to review for Level [redacted]open-unable to clear with WVOE post-closing, still shows borrower employed with verified income.<br>Reviewer Comment (2024-11-18): WVOE is dated post closing and therefore doesn't meet ATR<br>Seller Comment (2024-11-07): AUS findings require a pays-tub and prior year [redacted]or a Written Verification of Employment,. The WVOE is in file on page [redacted] with prior [redacted]years income reflected. In addition, [redacted]and [redacted][redacted]also in file on page [redacted]& [redacted]. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699668 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2024-11-27): S&D Defect |  |  |  | 1 A | A | A |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699669 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-20): Buyer to review/accept as VVOE is post closing and does not meet ATR<br>Seller Comment (2024-11-20): [redacted] to review for Level [redacted]open-unable to clear based on WVOE post-closing.<br>Reviewer Comment (2024-11-18): WVOE is dated post closing and therefore doesn't meet ATR<br>Seller Comment (2024-11-07): Seller does not provide loan designations - Temporary [redacted](GSE/Agency Eligible) from Mavent report, change loan designations to DD determination. [redacted] to review for Level [redacted]open-unable to clear. |  |  |  | 3 B C | B | B C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619907 | XX | XX | XX | 33699670 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-20): Buyer to review/accept DTI<br>Seller Comment (2024-11-20): AUS findings with Approve/Eligible with [redacted]% DTI. Loan can be considered Non-QM. [redacted] to review for Level [redacted]open-unable to clear.<br>Reviewer Comment (2024-11-18): Loan sent as QM and exceeds [redacted]%<br>Seller Comment (2024-11-07): AUS findings with Approve/Eligible with [redacted]% DTI. Loan can be considered Non-QM. [redacted] to review. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699671 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619907 | XX | XX | XX | 33699672 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | Yes |
| 223619907 | XX | XX | XX | 33699673 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  |  |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-14): Buyer to review, seller unable to provide.<br>Seller Comment (2024-11-07): Verbal VOE in file on page [redacted]; however, the Lender Verifier information was not completed. There is no Verbal VOE within [redacted]days of Note at time of origination. [redacted]to review for Level [redacted]open-unable to clear. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699674 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2024-11-18): Input VOE an WVOE<br>Reviewer Comment (2024-11-14): Buyer to review, seller unable to provide.<br>Seller Comment (2024-11-07): Verbal VOE in file on page [redacted]; however, the Lender Verifier information was not completed. There is no Verbal VOE within [redacted]days of Note at time of origination. [redacted]to review for Level [redacted]open-unable to clear. | 11/18/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-20): Buyer to review/accept due to DTI and VVOE<br>Seller Comment (2024-11-20): [redacted] to review for Level [redacted]open-unable to clear.<br>Reviewer Comment (2024-11-18): WVOE is dated post closing and therefore doesn't meet ATR<br>Seller Comment (2024-11-07): Income docs in file, please re-review finding |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699677 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-14): Buyer to review, seller unable to provide.<br>Seller Comment (2024-11-07): Verbal VOE in file on page [redacted]; however, the Lender Verifier information was not completed. There is no Verbal VOE within [redacted]days of Note at time of origination. [redacted]to review for Level [redacted]open-unable to clear. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619907 | XX | XX | XX | 33699678 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-11-27): S&D Defect<br>Reviewer Comment (2024-11-20): Buyer to review/accept due to DTI and VVOE<br>Seller Comment (2024-11-20): [redacted]to review for Level [redacted]open-unable to clear based on WVOE post-closing.<br>Reviewer Comment (2024-11-18): WVOE is dated post closing and therefore doesn't meet ATR<br>Seller Comment (2024-11-07): Loan file contains income and asset documentation that meet AUS requirements. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Fail | No |
| 223619908 | XX | XX | XX | 33699679 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Freddie Mac repurchase for capacity/income miscalculated. Freddie Mac disaggrees with xxincome calculation. Borrower has mulitple sources of self-employed income. |  |  |  | Reviewer Comment (2024-10-16): S&D Defect. |  |  |  | 2 B | B | B |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619908 | XX | XX | XX | 33699680 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ |  |  |  |  | Reviewer Comment (2024-11-14): S&D Defect.<br>Seller Comment (2024-11-08): Seller advised this was on the bid tape:<br>The additional housing expenses for [redacted]xx and [redacted]xx were not documented properly. The schedule of real estate owned documented additional housing expenses of $[redacted]for [redacted]xx. The schedule of real estate owned documented additional housing of $[redacted]for [redacted]xx. The loan file did not contain the source documents (ie, real estate property tax bill / homeowner insurance premium / HOA fees) to document the additional housing expenses. It is noted Freddie Mac was unable to calculate the total rental income/loss for the non-subject investment properties. this was disclosed as a portion of the S&D reason. we did not have and were unable to obtain the documentation. This was disclosed on the bid tape and was a part of the reason the loan is S&D. We did not have and were unable to obtain the documentation. <br>[redacted] to review as Level [redacted]open-unable to clear. |  |  |  | 3 C | C | C |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619908 | XX | XX | XX | 33699681 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-12-05): Received CDA<br>Reviewer Comment (2024-11-18): Buyer queue<br>Seller Comment (2024-11-07): [redacted] to review - this is not a lender requirement. | 12/05/2024 |  |  | 1 D A | D | A D |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619908 | XX | XX | XX | 33699682 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-12-05): Received PDI<br>Reviewer Comment (2024-11-18): Buyer review<br>Seller Comment (2024-11-07): [redacted] to advise if PDI is required. FEMA disaster occurred after loan originated. | 12/05/2024 |  |  | 1 C A | C | A C |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619908 | XX | XX | XX | 33699683 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The verified income is less than the lender's calculated income. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has owned the subject property for at least [redacted] years.<br>Borrower has worked in the same position for more than [redacted] years.<br>The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>The qualifying DTI on the loan is less than or equal to [redacted]%.<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-27): Okay to waive per client email [redacted]<br>Seller Comment (2024-11-25): [redacted] to review for Level [redacted]-open unable to clear. DTI of [redacted]% below standard QM ratio of [redacted]%. |  |  | 11/27/2024 | 2 C B | C | B C |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619908 | XX | XX | XX | 33699684 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619909 | XX | XX | XX | 33699685 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-12-05): Received CDA<br>Reviewer Comment (2024-11-18): Buyer queue<br>Seller Comment (2024-11-07): [redacted] to review - this is not a lender requirement. | 12/05/2024 |  |  | 1 D A | D | A D |  | UT | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619909 | XX | XX | XX | 33699686 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619909 | XX | XX | XX | 33699687 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted]& [redacted] were [redacted]-day late. Current now. Freddie Mac repurchase for capacity/unable to validate income - the net rental income/loss for the subject property at [redacted] [redacted] was not documented properly. xx calculation was based on the [redacted]% vacancy factor of Fair Market Rent less the Proposed P&I. The loan file did not contain the required documentation to calculate net rental income/loss per Freddie Mac Guide [redacted](iii). File did not properly document that T&I were included in the monthly payment for [redacted] E. [redacted]th Place and did not document that there were no HOA dues. |  |  |  | Reviewer Comment (2024-10-16): S&D Defect |  |  |  | 2 B | B | B |  | UT | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619909 | XX | XX | XX | 33699688 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The calculated income in less than the income as qualified by the lender resulting in a DTI of [redacted]%. No rental income was used for [redacted] [redacted] as loan documentation is missing schedule E or lease as required |  |  |  | Reviewer Comment (2024-10-16): S&D Defect |  |  |  | 3 C | C | C |  | UT | Investment | Refinance - Cash-out - Other | D C B A | N/A | N/A | No |
| 223619910 | XX | XX | XX | 33699689 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason - Origination LTV [redacted]% but loan included [redacted]% seller concessions and only [redacted]% concessions allowed. Extra concession makes the effective LTV [redacted]%. Loan is ineligible at [redacted]% LTV. Also the appraisal was completed "as-is" yet the appraiser commentary in the appraisal report indicated that the property was incomplete. The bathroom was not in working condition and it was included in the room count & market value of the property. A Completion Certificate documenting that the bathroom was fully functional was not in the file. |  |  |  | Reviewer Comment (2024-10-16): S&D defect. |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619910 | XX | XX | XX | 33699690 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2024-11-18): buyer review requested<br>Seller Comment (2024-11-07): HOI coverage is $[redacted](page [redacted]) with RCE of $[redacted](page [redacted]). Insurance coverage is sufficient. The $[redacted]is RCE with cost debris removal and is provided as additional coverage estimate but not the required minimum. |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619910 | XX | XX | XX | 33699691 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619910 | XX | XX | XX | 33699692 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. | Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page [redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619910 | XX | XX | XX | 33699694 |  | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines |  | Seller concession of [redacted]% exceeded guideline requirement of [redacted]% on a primary purchase with LTV that exceeds [redacted]%. Reducing purchase price to exclude the additional[redacted]% concession ([redacted]) equates to an LTV of [redacted]%. |  |  |  | Reviewer Comment (2024-10-17): S&D defect |  |  |  | 3 C | C | C |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699696 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Freddie Mac repurchase for capacity. The borrower has an undisclosed tax installment payment of $[redacted] per month that was not included the debt ratio. |  |  |  | Reviewer Comment (2024-10-16): S&D Defect. |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2024-11-20): Eligible to be regraded based on S&D scope<br>Reviewer Comment (2024-11-18): Buyer review requested<br>Reviewer Comment (2024-11-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank[redacted]): Originator Loan Designation of [redacted] (APOR) does not match Due Diligence Loan Designation of QM ([redacted]) Fail.<br>Seller Comment (2024-11-07): Seller does not provide Seller designations, the Safe [redacted][redacted](APOR) is from the Mavent report. Please change designation to match DD of QM (APOR) Fail. [redacted] to review for Level [redacted]open-unable to clear. | 11/20/2024 |  |  | 1 B A C | B | A C B |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619911 | XX | XX | XX | 33699698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete QM testing due to missing investor guideline qualifying total debt ratio. | File was approved to LP per [redacted]. LP in file was dated post-closing. Please provide the LP finding dated prior to closing. |  |  |  | Reviewer Comment (2024-11-18): Updated with AUS<br>Seller Comment (2024-11-08): LP dated [Redacted]<br>Seller Comment (2024-11-08): LP dated[Redacted] and prior to closing. | 11/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699699 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | S&D Defect |  |  |  | Reviewer Comment (2024-11-11): S&D Defect<br>Seller Comment (2024-11-08): LP dated [Redacted]<br>Seller Comment (2024-11-08): LP dated[Redacted] provided |  |  |  | 3 C | C | C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699700 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | File was approved to LP per [redacted]. LP in file was dated post-closing. Please provide the LP finding dated prior to closing. |  |  |  | Reviewer Comment (2024-11-11): Received pre-close AUS in trailing docs.<br>Seller Comment (2024-11-08): LP dated[Redacted] | 11/11/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699701 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. |  | File was approved to LP per [redacted]. LP in file was dated post-closing. Please provide the LP finding dated prior to closing. |  |  |  | Reviewer Comment (2024-11-11): Received pre-close AUS in trailing docs.<br>Seller Comment (2024-11-07): Verbal VOE dated[Redacted] for [redacted] and within [Redacted]days of Note date of[Redacted] (pages [Redacted]-[Redacted]). This is a standard requirement regardless if AUS is at time of origination or post-closing. | 11/11/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699702 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Calculated DTI exceeds AUS DTI. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-20): Eligible to be regraded based on S&D scope<br>Seller Comment (2024-11-20): [redacted] to review for Level [Redacted]open-unable to clear. The DTI discrepancy is less than [Redacted]%.<br>Reviewer Comment (2024-11-18): AUS approval at [Redacted]%, DTI exceeds by more than [Redacted]% tolerance<br>Seller Comment (2024-11-14): [redacted] to review for Level [Redacted]open-unable to clear. The DTI discrepancy is less than [Redacted]%. |  |  | 11/20/2024 | 2 B |  | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699703 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Representative FICO score discrepancy. |  | FICO disclosed on AUS |  |  |  | Reviewer Comment (2024-11-11): Received pre-close AUS in trailing docs. | 11/11/2024 |  |  | 1 A |  | A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699704 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | AUS approval at [redacted]%, DTI exceeds by more than [redacted]% tolerance | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-20): Eligible to be regraded based on S&D scope<br>Seller Comment (2024-11-20): [redacted] to review for Level [Redacted]open-unable to clear. The DTI discrepancy is less than [Redacted]%. |  |  | 11/20/2024 | 2 B |  | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619911 | XX | XX | XX | 33699705 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | AUS approval at[redacted]%, DTI exceeds by more than [redacted]% tolerance |  |  |  | Reviewer Comment (2024-11-20): DTI meets waiver for S&D Scope<br>Seller Comment (2024-11-20): [redacted] to review for Level [Redacted]open-unable to clear. The DTI discrepancy is less than [Redacted]%. | 11/20/2024 |  |  | 1 A |  | A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619912 | XX | XX | XX | 33699706 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Mortgage-Related Obligations | General QM: Mortgage-related obligations not considered in loan qualification. |  |  |  |  | Reviewer Comment (2024-11-18): taxes included HOA<br>Seller Comment (2024-11-07): The [Redacted]mortgage attached to the property located at [Redacted] is solely liable by the non-borrowing spouse as evidenced by copy of the Note provided (page [Redacted]) and mortgage statement (page [Redacted]). This is not the liability of the borrower and is not reflected as a debt on his credit report. The Lender included the taxes and insurance for this property for $[Redacted]in debt service with an Approve/Eligible from AUS. | 11/18/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619912 | XX | XX | XX | 33699707 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided At Closing |  | 10/11/2024 |  | 1 A | A | A |  | NY | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619912 | XX | XX | XX | 33699708 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided At Closing |  | 10/11/2024 |  | 1 A | A | A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619912 | XX | XX | XX | 33699709 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared when all ATR related exceptions are cleared. |  |  |  | Reviewer Comment (2024-11-18): taxes included HOA<br>Seller Comment (2024-11-07): Seller does not provide loan designations - Safe Harbor QM (APOR) from Mavent report, please changed to match DD designation and [redacted] to review. | 11/18/2024 |  |  | 1 B A C | B | A C B |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619912 | XX | XX | XX | 33699710 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. | Projected Payments: Final Closing Disclosure provided on [redacted] did not disclose the mortgage insurance payment for payment stream [redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619912 | XX | XX | XX | 33699712 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. ([redacted]) |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619912 | XX | XX | XX | 33699713 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-11-18): S&D ineligible condo<br>Seller Comment (2024-11-15): S&D reason: Fannie Mae ineligible condo at time of delivery to Fannie Mae. Condo DOES meet Fannie Mae eligibility under a variance issued for leasehold condos in [Redacted] but [Redacted]delivered the loan to [Redacted] prior to obtaining the variance approval. |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619912 | XX | XX | XX | 33699714 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $[redacted] is less than AUS Available for Reserves of $[redacted]. |  |  |  | Reviewer Comment (2024-11-18): updated reservesi nput<br>Seller Comment (2024-11-07): Total verified assets is $[Redacted]([Redacted]#[Redacted]$[Redacted]+ [Redacted]$[Redacted]) and Funds to close required by Final CD is $[Redacted]. Reserves remaining is $[Redacted]- $[Redacted]= $[Redacted], which meets AUS requirement for minimum reserves of $[Redacted]. | 11/18/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619912 | XX | XX | XX | 33699715 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason - Fannie Mae ineligible condo at time of delivery to Fannie Mae. Condo DOES meet Fannie Mae eligibility under a variance issued for leasehold condos in xx but xxdelivered the loan to Fannie Mae prior to obtaining the variance approval. |  |  |  | Reviewer Comment (2024-10-17): S&D defect. |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619912 | XX | XX | XX | 33699716 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | Per final title property is Fee Simple, however, appraisal shows leasehold and lease is provided showing rents |  |  |  | Reviewer Comment (2024-11-18): S&D defect |  |  |  | 3 C |  | C |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619913 | XX | XX | XX | 33699717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR). |  |  |  | Reviewer Comment (2024-11-15): restated designation | 11/15/2024 |  |  | 1 B A C | B | A C B |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619913 | XX | XX | XX | 33699718 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of[redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of[redacted]%. |  |  |  | Reviewer Comment (2024-11-15): restated designation | 11/15/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619913 | XX | XX | XX | 33699719 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619913 | XX | XX | XX | 33699720 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619913 | XX | XX | XX | 33699722 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-12-05): Received CDA<br>Reviewer Comment (2024-11-20): Buyer review<br>Seller Comment (2024-11-20): [redacted] to review - this is not a guidelines requirement. | 12/05/2024 |  |  | 1 D A | D | A D |  | NY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619913 | XX | XX | XX | 33699723 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619913 | XX | XX | XX | 33699724 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason - Freddie Mac repurchase: Unable to determine borrower credit worthiness. Loan is LPA Accept but with an authorized user account on the credit report. LPA findings required xx to document: ([redacted]) another Borrower owns the account, ([redacted]) Borrower's spouse owns the account, ([redacted]) Borrower has been making payments on the account for the past [redacted] months, or ([redacted]) the account(s) have an insignificant impact on the Borrower's credit history based on number, age, type, size and payment history of Borrower's own tradelines. xx did not address the Credit and Liabilities Message. Freddie Mac determined that the authorized user account does have a significant impact on the Borrower's credit history based on the Borrower's limited credit. |  |  |  | Reviewer Comment (2024-10-17): S&D defect. |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619913 | XX | XX | XX | 33699725 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). | restated designation |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 223619913 | XX | XX | XX | 33699726 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | NY | Primary | Purchase | D C B A | Safe Harbor QM (APOR) | Non QM | No |
| 223619914 | XX | XX | XX | 33699727 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Investor ([redacted] Housing) rejected the loan for purchase due to appraisal delivery requirements not being met. Appraisal was delivered to the borrower [redacted] and the loan closed [redacted]. With the Juneteenth Federal Holiday we are a day short on remaining compliant. |  |  |  | Reviewer Comment (2024-10-15): S&D Defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-10-22): received PDI | 10/22/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699729 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation<br>Seller Comment (2024-10-17): P&L Statements<br>Seller Comment (2024-10-17): tax returns with Schedule C | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699732 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. | Employment history requirement not met. |  |  |  | Reviewer Comment (2024-10-29): Restated designation<br>Seller Comment (2024-10-17): what is not meeting requirement - borrower has been with current employer for over [Redacted]years and has a part time job that was not included in the qualification purposes | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699733 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Exempt from ATR does not match Due Diligence Loan Designation of Non QM. |  |  |  | Reviewer Comment (2024-10-29): Restated designation<br>Seller Comment (2024-10-17): loan is Exempt Attestation uploaded | 10/29/2024 |  |  | 1 B A C | B | A C B |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Exempt from ATR | Non QM | Yes |
| 223619914 | XX | XX | XX | 33699734 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | otal Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  |  |  | Reviewer Comment (2024-10-29): Restated designation<br>Seller Comment (2024-10-17): see other upload for Exempt attestation | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699736 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-15): S&D defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699737 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-15): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699738 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-10-30): Non-Compliant due to appraisal delivery S&D defect<br>Seller Comment (2024-10-25): FEMA Disaster Inspection<br>Seller Comment (2024-10-17): what are you looking for? |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699739 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. |  |  |  |  | Reviewer Comment (2024-10-29): Restated designation<br>Seller Comment (2024-10-17): see other uploads for tax return / P&L | 10/29/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619914 | XX | XX | XX | 33699740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Purchase | C B A | Exempt from ATR | Non QM | No |
| 223619915 | XX | XX | XX | 33699743 |  | Compliance | Compliance | State Compliance | State Defect | [redacted]SB [redacted] | [redacted] Predatory Lending Database Program (SB [redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2024-10-28): received<br>Seller Comment (2024-10-17): see page [Redacted]of attachment | 10/28/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699745 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - eNote - Incorrect Self Employed Income Calculation - Excessive DTI - Invalid AU - No MI: A business decision has been made to close the loan with cash. The known issue being an error on the underwriting side rendering the loan unsalable to the agencies. The underwriter calculated the self employment income incorrectly. She added the ordinary income plus distribution income and averaged. Ordinary income is the only income that is allowed to be used in the income calculation so the DTI went from [redacted]% to [redacted]% with the real income. |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699746 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-10-28): Appraisal was updated on[Redacted] - no indication updated appraisal was provided to the borrower<br>Seller Comment (2024-10-17): Appraisal was delivered electronically to the borrower [Redacted] |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699748 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation failure due to QM failure, insufficient income. |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 B C | B | B C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619915 | XX | XX | XX | 33699749 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The calculated income is less than the qualifying income. The DTI of [redacted]% exceeds the AUS DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-10-14): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699750 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-10-14): Due to DTI, S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619915 | XX | XX | XX | 33699751 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Note is eSigned |  |  |  | Reviewer Comment (2024-10-14): S&D reason |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619916 | XX | XX | XX | 33699752 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Ineligible Property - Safety, Soundness, and Structural Integrity. When there are incomplete items or conditions that affect the safety, soundness, or structural integrity of the property, the property must be appraised subject to completion of the specific alterations or repairs. Lenders must review the appraisal to ensure that the property does not have substantial conditions or deferred maintenance items that affect the safety, soundness, or structural integrity of the subject property. Based on the appraisal, the subject property had standing water in the basement and a sump pump in need of replacement. As a result, the lender was required to ensure the appraisal was made subject-to repairs and that the items were completed. See linked document labeled Final Defect Support Docs - Value.<br>Please review the options below for resolving this matter. You have until 9/10/2022 |  |  |  | Reviewer Comment (2024-10-18): S&D defect |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619916 | XX | XX | XX | 33699753 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619916 | XX | XX | XX | 33699755 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property has environmental problems noted by appraiser or visible in the photos |  | The concerns about the subject property's safety, soundness, and structural integrity were not addressed or resolved. The basement had standing water in the and a sump pump in need of replacement. As a result, the lender was required to ensure the appraisal was made subject-to repairs and that the items were completed. |  |  |  | Reviewer Comment (2024-10-18): S&D Defect |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619917 | XX | XX | XX | 33699756 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223619917 | XX | XX | XX | 33699757 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason- Borrower Not Employed<br> Active<br> According to the loan documentation, the borrower was employed by [redacted] and income from this employment was included in the debt-to-income ratio (DTI) calculation. Research confirmed that this borrower(s) was not employed as of [redacted]. Without employment, the DTI could not be calculated. |  |  |  | Reviewer Comment (2024-10-19): S&D Defect |  |  |  | 2 B | B | B |  | GA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223619918 | XX | XX | XX | 33699758 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2024-11-06): Received Limited Condo Review Questionnaire in trailing docs<br>Seller Comment (2024-11-06): Loan qualified for limited review, HOA cert uploaded | 11/06/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619918 | XX | XX | XX | 33699759 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619918 | XX | XX | XX | 33699760 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619918 | XX | XX | XX | 33699761 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619918 | XX | XX | XX | 33699763 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-17): Sufficient Cure Provided At Closing |  | 10/17/2024 |  | 1 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223619918 | XX | XX | XX | 33699764 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 223619918 | XX | XX | XX | 33699765 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: A recent credit report obtained by Fannie Mae reported additional monthly debt with Sofi Bank #[redacted]that was not disclosed in the loan documentation. Including a monthly payment of $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  | Reviewer Comment (2024-10-21): S&D Defect |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619919 | XX | XX | XX | 33699766 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within [redacted] days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires within [redacted] days of the Note Date. |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223619919 | XX | XX | XX | 33699767 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223619919 | XX | XX | XX | 33699769 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: The Subject loan was delivered as a Loan Prospector Eligible/Accept [redacted]% cash-out refinance of a Primary<br> Residence.<br> INCOME<br> The loan file was missing a copy of the most recent year's W[redacted] for the Borrower. This documentation was<br> requested but not received.<br> LIABILITIES<br> The application indicated the Borrower owned an investment property located on zz The<br> application reflects a mortgage with zz on this property. There was no documentation in the loan file<br> supporting the mortgage payment. The Quality Control Credit Report, obtained as a part of Freddie Mac's<br> review process, reflects the zz mortgage opened the month prior to the Subject closing date but, it cannot<br> be determined if this includes taxes, insurance and any HOA dues.<br> The debt-payment-to-income ratio cannot be determined.<br> The subject loan is not eligible for sale to Freddie Mac |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 223619920 | XX | XX | XX | 33699770 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619920 | XX | XX | XX | 33699771 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted]contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | TRID timing exception, no remediation available. B A | Non QM | Non QM | No |
| 223619920 | XX | XX | XX | 33699773 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: A recent credit report obtained by Fannie Mae reported additional monthly debt with MEDALLION/COVERED CA reported October [redacted] with a loan amount of $[redacted]that was not disclosed in the loan documentation. Including a monthly payment of $[redacted]resulted in a revised DTI of [redacted]%. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 223619921 | XX | XX | XX | 33699775 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Note Form is Prior to [redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699776 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Post Disaster Inspection Report is Missing. |  |  |  | Reviewer Comment (2024-11-08): Document received exception cleared | 11/08/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699778 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | [redacted]HB[redacted] - No evidence of required counseling disclosure language per [redacted]HB [redacted]. | List of Homeowner Counselling Disclosure is not signed. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699779 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation failure due to QM failure. The verified income is less than the income used by the lender used for qualification. |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 B C | B | B C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619921 | XX | XX | XX | 33699780 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | ATR failure due to verified income is less than the income used by the lender used for qualification. |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699781 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The verified income is less than the income used by the lender used for qualification causing the DTI to exceed the lender's value of [redacted]%. |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The verified income is less than the income used by the lender used for qualification. |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 C | C | C |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619921 | XX | XX | XX | 33699783 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: CAPACITY The Borrower does not have sufficient income to support the total monthly obligations. The subject loan was delivered to Freddie Mac with a debt-to-income (DTI) ratio of [redacted]%. The subject loan application reflects the Borrower worked for [redacted], with Base monthly income of $[redacted]and Overtime monthly income of $[redacted]. The file contains a Written Verification of Employment, pay stubs, and W[redacted]s to document the income. $[redacted]per month Overtime income is not supported. The Overtime income has declined from [redacted]to [redacted], therefore, the [redacted]figure cannot be factored into the calculation. The income must be calculated using a Yearto Date (YTD) average. Freddie Mac has calculated the Borrower's income as follows: Base - [redacted]YTD $[redacted]divided by [redacted]= $[redacted]per month. Overtime - [redacted]YTD $[redacted]divided by [redacted]= $[redacted]per month. Using monthly income of $[redacted], subject housing payment of $[redacted]and total other monthly obligations of $[redacted]the debt-to-income (DTI) ratio increased to [redacted]%, which exceeds AUS tolerance. The subject loan is not eligible for sale to Freddie Mac. |  |  |  | Reviewer Comment (2024-10-18): S&D defect |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619922 | XX | XX | XX | 33699784 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The mortgage file lacked the following required documentation:<br> Proof of receipt of a [redacted]nd month of rent ($[redacted]) for the lease of the departure residence (only have proof of<br> receipt of one month documented in the loan file)<br> \* A request was made for the missing documentation; however, to date, no response has been received.<br> The subject loan was not eligible for sale to Freddie Mac. |  |  |  | Reviewer Comment (2024-10-20): S&D Reason |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699785 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal was delivered to borrower was not provided |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699787 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | The verification of employment is not within [redacted] business days of the Note. |  |  |  | Reviewer Comment (2024-11-13): Received Verification of employment within 10 business days of the Note, exception cleared.<br>Seller Comment (2024-11-13): VOE for [redacted]<br>Reviewer Comment (2024-11-07): Received for xx missing for xx<br>Seller Comment (2024-11-06): VOE | 11/13/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2024-11-14): Received VOE | 11/14/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619922 | XX | XX | XX | 33699789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-11-14): Received VOE | 11/14/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is converting primary residence to rental property, per Freddie Mac guidelines documentation must include either [redacted] months of rent or security deposit and first months rent. Required documentation is missing. Bank accounts in file for parties that are not on the lease or not borrowers. |  |  |  | Reviewer Comment (2024-10-20): S&D Defect |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699791 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VVOE as required |  |  |  | Reviewer Comment (2024-11-14): Received VOE | 11/14/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619922 | XX | XX | XX | 33699792 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing required VVOE |  |  |  | Reviewer Comment (2024-11-14): Received VOE | 11/14/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619923 | XX | XX | XX | 33699793 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | Loan closed prior to disaster declaration date. The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end Date. | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The representative FICO score is above [redacted]. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-13): no damage |  |  | 11/13/2024 | 2 C B | C | B C |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619923 | XX | XX | XX | 33699794 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Occupancy - Loan closed as primary purchase. LO identified potential occupancy issue identified post close (for unknown reasons). Occupancy issue confirmed via Fraud Review. |  |  |  | Reviewer Comment (2024-10-22): S&D Defect |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619924 | XX | XX | XX | 33699795 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Due to declining income |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699796 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing both income and DTI |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 B C | B | B C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619924 | XX | XX | XX | 33699797 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | S&D defect. |  |  |  | Reviewer Comment (2024-10-29): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699798 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing the [redacted] most recent business and personal tax returns. |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699799 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date[redacted], Most Recent Tax Return End Date[redacted], Tax Return Due Date [redacted]. | File is missing the [redacted] most recent business and personal tax returns. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699801 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason: CAPACITY<br> The stability of the Borrower's income was not established.<br> The loan application indicates that, at the time of loan origination, the Borrower was self-employed as a [redacted]<br> employee with xx as a driver starting[redacted], earning an income of $[redacted]<br> per month.<br> The Borrower's previous self-employment as a [redacted]employee with xx as a driver was<br> from [redacted] till[redacted], earning an income of $[redacted]per month.<br> Provided in the file was the Schedule C from [redacted]tax returns, a paystub from xx through <br> [redacted], and a profit and loss (P&L) statement for [redacted]and year to date for [redacted]through[redacted].<br> With the documentation provided, the income declines [redacted]% from [redacted]to [redacted].<br> Freddie Mac calculated income from the year-to-date [redacted]P&L at $[redacted].<br> Using the recalculated income, the Debt-To-Income (DTI) ratio increased to [redacted]% from [redacted]% which exceeded the<br> tolerance threshold. When the delivered DTI is less than [redacted]% and there is an increase to the DTI that exceeds<br> [redacted]%, there is no tolerance. Freddie Mac relied on the LPA simulator, which approximates the Risk Class using<br> true and accurate information; the xx of the subject loan was a Caution.<br> DOCUMENTATION<br> The mortgage file lacked the following required documentation:<br> Two years of tax returns to document self-employment with:<br> All pages of the [redacted]tax return<br> All pages of the [redacted][redacted] tax returns or [redacted]extension.<br> Freddie Mac was unable to determine the final income without the required documentation.<br> A request was made for the missing documentation; however, to date, no response has been received.<br> The subject loan is not eligible for sale to Freddie Mac |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699802 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699803 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | State website printout is for Legend Trucking and paystubs are for Legend Excavating and Trucking, no indication if these are one in the same. |  |  |  | Reviewer Comment (2024-11-14): Received USDOT listing<br>Reviewer Comment (2024-11-14): Buyer to review per seller<br>Seller Comment (2024-11-13): Please have investor review.<br>Seller Comment (2024-11-06): Pulled info on website, they are one and the same. | 11/14/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699804 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing complete tax returns (Schedules) for [redacted]and [redacted]as required per AUS |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699805 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing income docs required per AUS |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619924 | XX | XX | XX | 33699806 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ |  |  |  |  | Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619925 | XX | XX | XX | 33699807 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619925 | XX | XX | XX | 33699808 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/[redacted]) |  |  |  | Reviewer Comment (2024-10-17): Sufficient Cure Provided At Closing |  | 10/17/2024 |  | 1 A | A | A |  | IL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes |
| 223619925 | XX | XX | XX | 33699810 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: We have made multiple attempts to obtain the borrower's signature for the initial [redacted]but were unsuccessful. The LO and [redacted] - Spanish speakers made contact with the borrower multiple times and she advised she would not sign the document. The last conversation with her from yesterday afternoon is below:<br>I spoke to [redacted] today and it was a very difficult [redacted] minute phone call. She said she feels cheated with this loan because she did not receive down payment assistance program credits and she had to bring in over $[redacted]out of pocket for the closing. I tried explaining that down payment assistance programs must be applied for when the loan is in process and she said she will not sign anything until she gets a credit. Then she kept repeating that she had a loan for $[redacted]and she's not signing a document that shows a loan amount of $[redacted]. I explained that it's the initial disclosure that should've been signed initially, at the beginning of the loan process, but she kept repeating she's not signing something that shows a higher loan amount. I also confirmed she closed with a loan amount of $[redacted]and let her know the terms of the loan can't change. She went on to tell me we are trying to get more money out of her and she will seek advice from an attorney. She said we should not be calling her anymore and she will not sign anything. <br>It was very difficult to try to get a word in as she would not let me talk and would keep repeating the same thing about her loan amount being lower and we are trying to cheat her out of more money.<br>Given this development and that she refuses to sign and is threatening to engage an attorney, this ticket will not be able to be resolved.<br>Defect: BORR MULTIPLE LOAN(S): [redacted]WARNING: BORROWER-[redacted] FOUND ON MULTIPLE LOAN FILE<br> Response: Resolved - updated [redacted]LT loaded to M[redacted] <br>Defect: MISSING Initial [redacted]unable to locate a copy in the file<br> Response: unable to resolve as document not located in M[redacted] (I looked through all [redacted]+ pages again this morning) and borrower refuses to sign (We even offered B[redacted] $[redacted]to sign at one point and it did not sway her). |  |  |  | Reviewer Comment (2024-10-22): S&D defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619925 | XX | XX | XX | 33699811 |  | Credit | Document Error | General | Document Error | FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant. Missing borrower signatures or provided date. |  | Not signed and dated by borrower |  |  |  | Reviewer Comment (2024-10-22): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619926 | XX | XX | XX | 33699812 |  | Credit | Disclosure | Missing Document | Disclosure | CAIVRS Authorization is missing. |  | CAIVRS Authorization is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699813 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  | Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-14): Okay to waive per email [Redacted]<br>Reviewer Comment (2024-11-14): BK discharged [Redacted], no BK docs provided<br>Seller Comment (2024-11-13): Have investor review. The BK info is referenced on the credit report.<br>Reviewer Comment (2024-11-07): Chapter 13 Bankruptcy was disclosed on the 1003 section, VIII per AUS. Need evidence of dismissal or discharge.<br>Seller Comment (2024-11-06): AUS is not asking for any BK docs, none found in the file |  |  | 11/14/2024 | 2 C B | C | B C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699814 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted]declared end date. |  |  |  | Reviewer Comment (2024-11-08): Received Property Inspection Report, Exception cleared. | 11/08/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699815 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699816 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699817 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal receipt not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699819 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: We requested for a remark to be put on the [redacted]on how the MCR was overcome and per the DRT team they are unable to make that comment since we can't document the commission income. The borrower doesn't qualify with just the base income. This loan is being referred to impaired assets for not being able to document the commission income. |  |  |  | Reviewer Comment (2024-10-22): S&D Defect |  |  |  | 2 B | B | B |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699820 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-10-30): S&D Defect |  |  |  | 3 B C | B | B C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619926 | XX | XX | XX | 33699821 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-10-30): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699822 |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___. |  |  |  |  |  |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699823 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The file did not contain sufficient income to qualify the borrower with commission income, resulting in the DTI of [redacted]% exceeding program guidelines. |  |  |  | Reviewer Comment (2024-10-30): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619926 | XX | XX | XX | 33699824 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file did not contain sufficient income to qualify the borrower with commission income, resulting in the DTI of [redacted]% exceeding program guidelines. |  |  |  | Reviewer Comment (2024-10-30): S&D Defect |  |  |  | 3 C | C | C |  | IL | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619927 | XX | XX | XX | 33699825 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-08): Received CDA, Exception cleared. | 11/08/2024 |  |  | 1 D A | D | A D |  | NY | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619927 | XX | XX | XX | 33699827 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  |  |  |  |  | 2 C B | C | B C |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619927 | XX | XX | XX | 33699828 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Income Misrepresentation <br> The income documentation submitted for our review included two years tax returns. According to IRS<br> tax transcripts, total income of $[redacted]for tax year [redacted]does not match the total income of $[redacted]<br> per the tax transcripts. |  |  |  | Reviewer Comment (2024-10-25): Income for business on tax transcripts does not match income on written tax returns, no documentation for discrepancy. Unable to accurately determine income and DTI<br>Reviewer Comment (2024-10-24): S&D Defect |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619927 | XX | XX | XX | 33699829 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619927 | XX | XX | XX | 33699830 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Income for business on Tax Transcript does not match hand written tax return. No explanation for discrepancy, unable to accurately determine income and DTI |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 C | C | C |  | NY | Primary | Purchase | D C B A | Non QM | Non QM | No |
| 223619928 | XX | XX | XX | 33699833 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Income - Unable to calculate income - Documentation missing/insufficient.<br> Seller documented the Borrowers employment/income with Jersey Glatt INC using [redacted]% ownership of K[redacted]<br> earnings. Seller documented these earnings with the [redacted]and [redacted]K[redacted]'s.<br> Note is dated [redacted]. The loan package is missing evidence of the [redacted]K[redacted][redacted] earnings. As a result, Freddie Mac<br> was unable to calculate income.<br> Income - Insufficient income - Income calculated incorrectly.<br> Seller used the higher [redacted]K[redacted] earnings of [redacted]to qualify however the [redacted]was lower totaling<br> $[redacted]. Given the lower year, the earnings should be averaged which lowers the income average to<br> $[redacted]per month.<br> The debt-to income ratio increases to [redacted]% which exceeds the AUS delivered [redacted]% ratio. AUS resubmission<br> requires a new AUS when the DTI exceeds [redacted]%.<br> Liabilities - Unable to calculate monthly obligations - Documentation missing/insufficient.<br> Freddie Mac post Note dated credit report discovered the borrower acquired additional debt with United<br> Wholesale Mortgage dated[redacted]with a mortgage balance of $[redacted]and payment $[redacted]per month.<br> When including this debt in the DTI, the ratios exceed [redacted]%. No analysis provided by the Seller.<br> This loan is not eligible for sale to Freddie Mac. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 2 B | B | B |  | NY | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 223619928 | XX | XX | XX | 33699834 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | REO income used for qualification by Lender is Positive however as per documents, Qualifying income is negative resulting in DTI exceeding maximum limit of Guidelines of [redacted]%. |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 223619928 | XX | XX | XX | 33699835 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 223619929 | XX | XX | XX | 33699840 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-11-08): Received Property Inspection Report, Exception cleared. | 11/08/2024 |  |  | 1 C A | C | A C |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699841 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Older Than 30 days When Provided to Borrower | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations was older than [redacted] days when provided to borrower. | List was provided to the borrowers on [redacted] and is dated [redacted] which was more than [redacted] days old. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699842 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: CAPACITY<br> The Borrowers' capacity to repay the subject mortgage and all other monthly obligations was not established.<br> Contingent liabilities were excluded from the Borrowers monthly obligations. The monthly expenses for two<br> properties held in the name of a trust were incorrectly omitted from qualifying. The properties are held in the<br> name of the Borrowers' trust, personal bank statements confirm payments on these properties are from personal<br> accounts.<br> If the Borrower is a cosigner/guarantor on a debt (which includes Mortgage debt) for another person, it must<br> determine who actually makes the payments on the debt when deciding whether the contingent liability needs to<br> be included in in the Borrowers monthly obligations.<br> If someone other than the Borrower has been making the payments for the most recent [redacted] months and the<br> payments have been timely for the most recent [redacted] months, the contingent liability may be excluded. The file<br> did not contain the required documentation to support that payments have been made on time by someone other<br> than the Borrower for the most recent [redacted]-month period.<br> Freddie Mac is unable to determine a final DTI for the Borrowers without the terms and conditions of this debt.<br> As a result, the Loan Product Advisor (LPA) has been invalidated.<br> The subject loan is not eligible for sale to Freddie Mac. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 2 B | B | B |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699843 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Borrowers own [redacted] properties vested in a trust with their names as trustees. Nothing in file to show taxes, insurance & HOA fees are paid by a [redacted]rd party. Adding tax amount found on Fraud Report increased DTI to more than guideline maximum. Additional documentation required may increase DTI to a higher value. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 C | C | C |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699844 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrowers own [redacted] properties vested in a trust with their names as trustees. Nothing in file to show taxes, insurance & HOA fees are paid by a [redacted]rd party. Adding tax amount found on Fraud Report increased DTI to more than guideline maximum. Additional documentation required may increase DTI to a higher value. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 B C | B | B C |  | NY | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619929 | XX | XX | XX | 33699845 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV[redacted]-B.) | Borrowers own [redacted] properties vested in a trust with their names as trustees. Nothing in file to show taxes, insurance & HOA fees are paid by a [redacted]rd party. Adding tax amount found on Fraud Report increased DTI to more than guideline maximum. Additional documentation required may increase DTI to a higher value. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 C | C | C |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI being excessive. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 C | C | C |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619929 | XX | XX | XX | 33699847 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ | Borrowers own [redacted] properties vested in a trust with their names as trustees. Nothing in file to show taxes, insurance & HOA fees are paid by a [redacted]rd party. |  |  |  | Reviewer Comment (2024-10-25): S&D Defect |  |  |  | 3 C | C | C |  | NY | Second Home | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619930 | XX | XX |  | 33699849 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Non Warrantable condo |  |  |  | Reviewer Comment (2024-10-30): Confirmed non-warrantable.<br>Seller Comment (2024-10-29): Comment from[Redacted] [Redacted]): condo warranty | 10/30/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619931 | XX | XX |  | 33699855 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619932 | XX | XX | XX | 33699857 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Subject meets sq ft guide for mixed use, however is it not "residential in appearance". Therefore doesn't fit the guide and is NOT insured |  |  |  | Reviewer Comment (2024-12-27): Reason for S&D. |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D B C | Non QM | Non QM | No |
| 223619932 | XX | XX | XX | 33699858 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | PA | Primary | Purchase | D B C | Non QM | Non QM | No |
| 223619932 | XX | XX | XX | 33699860 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted]is over disclosed by $[redacted]compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | It appears per the compliance report that the lender did not include the Title - Tax Report of $[redacted]in the finance charges. |  |  |  | Reviewer Comment (2025-01-02): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2024-12-31): corrective docs uploaded<br>Seller Comment (2024-12-31): LOX, PCCD, Refund Check, and Shipping label |  | 01/02/2025 |  | 2 C B | C | B C |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619932 | XX | XX | XX | 33699861 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | It appears per the compliance report that the lender did not include the Title - Tax Report of $[redacted]in the finance charges. |  |  |  | Reviewer Comment (2025-01-02): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (2024-12-31): Corrective docs have been uploaded |  | 01/02/2025 |  | 2 C B | C | B C |  | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619932 | XX | XX | XX | 33699862 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-19): Sufficient Cure Provided At Closing |  | 12/19/2024 |  | 1 A | A | A |  | PA | Primary | Purchase | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223619933 | XX | XX |  | 33699864 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2024-12-26): Document received, exception cleared<br>Seller Comment (2024-12-26): Comment from[Redacted] ([Redacted]): Please see attached | 12/26/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619933 | XX | XX |  | 33699866 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided at closing. |  |  |  | Reviewer Comment (2024-12-19): Sufficient Cure Provided At Closing |  | 12/19/2024 |  | 1 A | A | A |  | IL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619933 | XX | XX |  | 33699867 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Unable to determine DTI without approval. |  |  |  | Reviewer Comment (2025-01-21): Evidence of sourcing fo [Redacted]deposit received. Qualifying income and compliance testing updated.<br>Seller Comment (2025-01-17): Comment from[Redacted] [Redacted]: this is for all 4 open DTI conditions- DTI has now been corrected.<br> We were able to source large deposit as business funds.<br>1008, copy of large business deposit, and new income worksheet uploaded.<br>Reviewer Comment (2024-12-30): Breakdown of lender's DTI not provided, calculated DTI is [Redacted]% - income of $[Redacted], PITIA of $[Redacted]and other debt of $[Redacted]<br>Seller Comment (2024-12-26): Comment from [Redacted] [Redacted]: Please see attached | 01/21/2025 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619933 | XX | XX |  | 33699868 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Unable to determine the DTI without the Approval. |  |  |  | Reviewer Comment (2025-01-21): Evidence of sourcing fo [Redacted] deposit received. Qualifying income and compliance testing updated.<br>Reviewer Comment (2024-12-30): Breakdown of lender's DTI not provided, calculated DTI is [Redacted]% - income of $[Redacted], PITIA of $[Redacted]and other debt of $[Redacted]<br>Seller Comment (2024-12-26): Comment from [Redacted] ([Redacted]): Please see attached | 01/21/2025 |  |  | 1 B A C | B | A C B |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619933 | XX | XX |  | 33699869 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Unable to determine the DTI without the Approval. |  |  |  | Reviewer Comment (2025-01-21): Evidence of sourcing fo [Redacted] deposit received. Qualifying income and compliance testing updated.<br>Reviewer Comment (2024-12-30): Breakdown of lender's DTI not provided, calculated DTI is [Redacted]% - income of $[Redacted], PITIA of $[Redacted] and other debt of $[Redacted]<br>Seller Comment (2024-12-26): Comment from [Redacted] [Redacted]: Please see attached | 01/21/2025 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619933 | XX | XX |  | 33699870 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Unable to determine the DTI without the Approval. |  |  |  | Reviewer Comment (2025-01-21): Evidence of sourcing fo [Redacted] deposit received. Qualifying income and compliance testing updated.<br>Reviewer Comment (2024-12-30): Breakdown of lender's DTI not provided, calculated DTI is [Redacted]% - income of $[Redacted], PITIA of $[Redacted] and other debt of $[Redacted]<br>Seller Comment (2024-12-26): Comment from [Redacted] [Redacted]: Please see attached | 01/21/2025 |  |  | 1 C A | C | A C |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619934 | XX | XX |  | 33699872 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AZ | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619934 | XX | XX |  | 33699876 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2024-12-30): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2024-12-30): Comment from [Redacted](Long Run Partners): Please re-state/re-test to Higher Priced QM. Thank you! | 12/30/2024 |  |  | 1 B A C | B | A C B |  | AZ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619934 | XX | XX |  | 33699877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. No Valid COC to support the same. |  |  |  | Reviewer Comment (2025-01-05): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-01-03): Comment from [Redacted([Redacted]): PCCD/refund |  | 01/05/2025 |  | 2 C B | C | B C |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619934 | XX | XX |  | 33699878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | B A |  | AZ | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619936 | XX | XX |  | 33699884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2025-01-31): [Redacted] received initial 1003 dated [Redacted].<br>Seller Comment (2025-01-30): Comment from [Redacted]l [Redacted]): Initial 1003<br>Reviewer Comment (2025-01-30): [Redacted] received rebuttal and disclosure summary for application dated [redacted], however there is no [Redacted]available in file with application date of [Redacted. Please provide initial [Redacted]document to re-evaluate this exception.<br>Seller Comment (2025-01-29): Comment from [Redacted]([Redacted]): Application date is [Redacted | 01/31/2025 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619936 | XX | XX |  | 33699886 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). |  |  |  | Reviewer Comment (2025-01-29): Loan Designation restated. Compliance testing updated.<br>Buyer Comment (2025-01-28): Comment from[Redacted] (Long Run Partners): Please retest to Higher Priced QM | 01/29/2025 |  |  | 1 B A C | B | A C B |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223619936 | XX | XX |  | 33699887 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-02-03): Received in trailing documents.<br>Seller Comment (2025-01-30): Comment from [Redacted]l [Redacted]): DocuTech Receipt<br>Reviewer Comment (2025-01-30): Please provide the E-Sign Consent Agreement executed by the borrower.<br>Seller Comment (2025-01-29): Comment from [Redacted]l [Redacted]): eConsent | 02/03/2025 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619936 | XX | XX |  | 33699888 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan Designation restated. Compliance testing updated. |  |  |  |  |  |  |  | 2 A B |  | B A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619936 | XX | XX |  | 33699889 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three ([redacted]) business days of application. |  |  |  |  | Reviewer Comment (2025-02-03): Received in trailing documents.<br>Seller Comment (2025-02-03): Comment from [Redacted]l [Redacted]): Affiliated Business Disclosure | 02/03/2025 |  |  | 1 A |  | A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619936 | XX | XX |  | 33699890 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three ([redacted]) business days of application. | Added following receipt of trailing documents. |  |  |  | Reviewer Comment (2025-02-03): Received in trailing documents.<br>Seller Comment (2025-02-03): Comment from [Redacted] [Redacted]): Homeownership Counseling List | 02/03/2025 |  |  | 1 A |  | A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223619937 | XX | XX |  | 33699891 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2023-11-02): Buyer to review per seller<br>Seller Comment (2023-10-26): buyer to address |  |  |  | 3 D | D | D |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699892 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699893 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Provide verification of policy with sufficient coverage or a copy of insurer's replacement cost estimate supporting current coverage amount. | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has been employed in the same industry for more than [redacted]years.<br>Borrower has worked in the same position for more than [redacted]years.<br>Borrower has verified disposable income of at least $[redacted]. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-01-04): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Buyer Comment (2024-01-03): Ok to waive<br>Reviewer Comment (2023-10-30): Received current coverage which is now sufficient at $[Redacted]. Buyer to review for consideration of waiver<br>Seller Comment (2023-10-26): updated policy<br>Seller Comment (2023-10-26): attaching sub-servicer escrow information showing borrower has increased coverage. |  |  | 01/04/2024 | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699894 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2023-10-19): Received PDI in trailing documents. | 10/19/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699895 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Non performing loan. Property is located in disaster area and per inspeciton has moderate damage. There is a claim and an insurance company is involved. Borrower is waiting on payment from insurance company to complete repairs. Loan is NOT insured. |  |  |  | Reviewer Comment (2023-09-22): Reason for S&D. |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699897 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to excessive DTI. |  |  |  | Reviewer Comment (2023-11-21): Received evidence of payoff of [redacted] account prior to closing[Redacted]. Data and testing updated.<br>Seller Comment (2023-11-21): supplement uploaded<br>Seller Comment (2023-11-21): xx Supplement<br>Seller Comment (2023-11-20): let me see if I can just get a supplement on the WFDS tradeline.<br>Seller Comment (2023-11-20): I dont really want to send a full credit report that that is not applicable to the transaction. The point of the soft pull was to show that the debt was in fact paid off at closing, and should be omitted. Be send to Buyer if necessary to review.<br>Reviewer Comment (2023-11-08): Received page 10 of 11 of credit report, please provide full credit report for review.<br>Seller Comment (2023-11-07): Im not sure why you are saying that. The supplement I uploaded shows that the xx was paid off and closed on[Redacted]<br>Reviewer Comment (2023-11-02): The debts being paid off were excluded from the DTI calculation. The xx account was not paid off<br>Seller Comment (2023-10-26): uploaded final CD per other conditions showing debts paid off from closing | 11/21/2023 |  |  | 1 B A C | B | A C B |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619937 | XX | XX |  | 33699898 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | The calculated DTI of [redacted]% exceeds the AUS DTI of [redacted]%. An auto loan debt was omitted on the AUS without sufficient documentation to omit the debt. |  |  |  | Reviewer Comment (2023-11-21): Received evidence of payoff of [redacted] account prior to closing[Redacted]. Data and testing updated.<br>Seller Comment (2023-11-21): supplement uploaded<br>Reviewer Comment (2023-11-14): Complete source document is required. If unable to provide complete report, a credit supplement from the reporting agency with complete account details or a statement from xx can also be obtained.<br>Seller Comment (2023-11-13): Im sorry, why do you need the full report? The page provided clearly shows the line has been paid off and closed at the appropriate time.<br>Reviewer Comment (2023-11-08): Received page 10 of 11 of credit report, please provide full credit report for review.<br>Seller Comment (2023-11-07): Im not sure why you are saying that. The supplement I uploaded shows that the xx was paid off and closed on[Redacted]<br>Reviewer Comment (2023-11-02): The debts being paid off were excluded from the DTI calculation. The xx account was not paid off<br>Seller Comment (2023-10-31): snippet showing xx tradeline was[Redacted]<br>Seller Comment (2023-10-31): So, the borrower had opened a new lease with xx on 0[Redacted]. The last activity for the xx loan was[Redacted]. The borrower had traded in the previous car on the new lease. Would have been nice if the branch got verification of that and put it in the file. A supplement was pulled showing that the xx tradelines was closed on[Redacted]<br>Reviewer Comment (2023-10-30): Received same final CD - the payoff to HUD is for FHA (2nd lien per title) and the account is question is to xx for an auto installment, this is not the same thing. DTI remains<br>Seller Comment (2023-10-26): Final CD showing payoffs at closing<br>Seller Comment (2023-10-26): Per the 1003 and AUS, borrower used proceeds from cashout transaction to payoff the [redacted] trade lines, along with others. Please see attached Final CD, page 3. | 11/21/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699899 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to excessive DTI. |  |  |  | Reviewer Comment (2023-11-21): Received evidence of payoff of [redacted] account prior to closing[Redacted]. Data and testing updated.<br>Seller Comment (2023-11-21): supplement uploaded<br>Reviewer Comment (2023-11-08): Received page 10 of 11 of credit report, please provide full credit report for review.<br>Seller Comment (2023-11-07): Im not sure why you are saying that. The supplement I uploaded shows that the xx was paid off and closed on[Redacted]<br>Reviewer Comment (2023-11-02): The debts being paid off were excluded from the DTI calculation. The xx account was not paid off<br>Seller Comment (2023-10-31): uploaded condition per other exception<br>Reviewer Comment (2023-10-30): Received same final CD - the payoff to HUD is for FHA (2nd lien per title) and the account is question is to xx for an auto installment, this is not the same thing. DTI remains<br>Seller Comment (2023-10-26): uploaded final CD per other conditions showing debts paid off from closing | 11/21/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619937 | XX | XX |  | 33699900 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2023-11-21): Received evidence of payoff of [redacted] account prior to closing[Redacted]. Data and testing updated.<br>Seller Comment (2023-11-21): supplement uploaded<br>Reviewer Comment (2023-11-08): Received page 10 of 11 of credit report, please provide full credit report for review.<br>Seller Comment (2023-11-07): Im not sure why you are saying that. The supplement I uploaded shows that the xx was paid off and closed on[Redacted]<br>Reviewer Comment (2023-11-02): The debts being paid off were excluded from the DTI calculation. The xx account was not paid off<br>Seller Comment (2023-10-31): uploaded condition per other exception<br>Reviewer Comment (2023-10-30): Received same final CD - the payoff to HUD is for FHA (2nd lien per title) and the account is question is toxx for an auto installment, this is not the same thing. DTI remains<br>Seller Comment (2023-10-26): uploaded final CD per other conditions showing debts paid off from closing | 11/21/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699902 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699903 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Non performing loan, disaster loan area, inspection shows a tarp over roof area, there has been no insurance claim presented to servicing. Loan is not insured currently. We are sending disaster claimg to HUD to try and get loan insured. |  |  |  | Reviewer Comment (2023-09-25): Reason for S&D. |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699904 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699905 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2023-11-13): Moved to buyer queue per seller request.<br>Seller Comment (2023-11-13): buyer to review. |  |  |  | 3 D | D | D |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699906 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  | Reviewer Comment (2023-11-14): Seller is unable to provide. Moved to buyer queue.<br>Seller Comment (2023-11-13): The loan was never insured, as it never received the MIC from HUD. Hence why it was disclosed as a defect as not being insured. You can have [redacted] review this if necessary.<br>Reviewer Comment (2023-11-08): Loan was originated with MI, please provide MI cert from origination<br>Seller Comment (2023-11-07): Per the defect disclosed, this loan is NOT insured |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699907 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2023-10-19): Received PDI in trailing documents. | 10/19/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699908 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Effective date is [redacted]. Original report date is [redacted]. Appraisal delivered [redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699909 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a [Redacted]% ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): Please provide compliance review, email sent<br>Seller Comment (2023-12-04): Loan was originally locked on [Redacted]. [Redacted]% would be the correct undiscounted rate as it is closest to par, please see rate stack on attached lock confirmation. Bottom of page 2 in PDF<br>Seller Comment (2023-12-04): Lock Confirmation uploaded.<br>Reviewer Comment (2023-12-03): Please provide documentation showing the cost of the undiscounted start rate of [Redacted]%<br>Seller Comment (2023-11-28): Please see below from our Compliance department:<br>The Loan was initially locked on [Redacted]APOR of [Redacted] is correct.<br>The APOR would not have been updated when the rate was reduced as there was no loan program change, and the lock did not expire / file was not re-locked.<br>[Redacted]would be the correct undiscounted rate as this is the rate closest to PAR<br>If the staring adjustment rate and APOR are within [Redacted]% of each other = UP To [Redacted]% bona fide discount points<br> [Redacted]-[Redacted]= .[Redacted]- this is less than [Redacted]% difference so this gives a [Redacted]% possibility for bona fide discount points on this test. <br>2nd Test - Starting adjusted rate discount points vs Note Rate Discount points test: take note rate discount points, subtract the Starting adjusted rate discount points = bona fide discount points =[Redacted]<br> [Redacted]-[Redacted]= [Redacted]<br>Whichever test gives you the lowest return for amount of bona fide discount points, is what you get. In this case the 2nd test gave us the lower return so the correct amount of bona fide discount points is the [Redacted]% = $[Redacted]<br>Reviewer Comment (2023-11-13): Undiscounted rate [Redacted]% - Note rate of [Redacted]% = [Redacted]% rate reduction. [Redacted]% discount points on CD - [Redacted]% undiscounted price = [Redacted]% discount points left for possible exclusion. [Redacted]% / [Redacted]% = [Redacted]bps. As the spread between undiscounted rate [Redacted]% and APOR of [Redacted]% is [Redacted]%, up to [Redacted]discount point can be excluded. After 1 discount point is excluded, the HOEPA fees remain over [Redacted]%. The Mavent in file is excluding [Redacted]% in discount points, but is not taking into consideration that the undiscounted rate exceeds the APOR by more than [Redacted]% and it's using APOR of [Redacted]% (which was published [Redacted] rather than the [Redacted]% APOR rate which was when the loan was locked at Note rate of [Redacted]% on [Redacted]<br>Seller Comment (2023-11-13): Not a high cost or high priced, mavent was uploaded showing these both PASS and not exceed threshold | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699910 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a [Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): Please provide compliance review, email sent<br>Seller Comment (2023-12-04): Loan was originally locked on [Redacted]. [Redacted]% would be the correct undiscounted rate as it is closest to par, please see rate stack on attached lock confirmation. Bottom of page 2 in PDF<br>Reviewer Comment (2023-12-03): Please provide documentation showing the cost of the undiscounted start rate of [Redacted]%<br>Seller Comment (2023-11-28): Please see below from our Compliance department:<br>The Loan was initially locked on [Redacted], APOR of [Redacted] is correct.<br>The APOR would not have been updated when the rate was reduced as there was no loan program change, and the lock did not expire / file was not re-locked.<br>[Redacted] would be the correct undiscounted rate as this is the rate closest to PAR<br>If the staring adjustment rate and APOR are within [Redacted]% of each other = UP To [Redacted]% bona fide discount points<br> [Redacted]-[Redacted]0= [Redacted]5 - this is less than [Redacted]% difference so this gives a [Redacted]% possibility for bona fide discount points on this test. <br>2nd Test - Starting adjusted rate discount points vs Note Rate Discount points test: take note rate discount points, subtract the Starting adjusted rate discount points = bona fide discount points =[Redacted] <br> [Redacted]-[Redacted]= [Redacted]<br>Whichever test gives you the lowest return for amount of bona fide discount points, is what you get. In this case the 2nd test gave us the lower return so the correct amount of bona fide discount points is the [Redacted]% = $[Redacted]<br>Reviewer Comment (2023-11-13): Undiscounted rate [Redacted]% - Note rate of [Redacted]% =[Redacted] rate reduction. [Redacted]% discount points on CD - [Redacted]% undiscounted price = [Redacted]% discount points left for possible exclusion. [Redacted][Redacted] / [Redacted]% = [Redacted]bps. As the spread between undiscounted rate [Redacted]% and APOR of [Redacted]% is [Redacted]%, up to 1 discount point can be excluded. After 1 discount point is excluded, the HOEPA fees remain over [Redacted]. The Mavent in file is excluding [Redacted]% in discount points, but is not taking into consideration that the undiscounted rate exceeds the APOR by more than 1% and it's using APOR of [Redacted]% (which was published [Redacted]) rather than the [Redacted]% APOR rate which was when the loan was locked at Note rate of [Redacted]% on [Redacted]<br>Seller Comment (2023-11-13): Not a high cost or high priced, mavent was uploaded showing these both PASS and not exceed threshold | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699911 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a 2[Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): Please provide compliance review, email sent<br>Seller Comment (2023-12-04): Loan was originally locked on [Redacted]. [Redacted]% would be the correct undiscounted rate as it is closest to par, please see rate stack on attached lock confirmation. Bottom of page 2 in PDF<br>Reviewer Comment (2023-12-03): Please provide documentation showing the cost of the undiscounted start rate of [Redacted]%<br>Seller Comment (2023-11-28): Please see below from our Compliance department:<br>The Loan was initially locked on [Redacted]2, APOR of [Redacted] is correct.<br>The APOR would not have been updated when the rate was reduced as there was no loan program change, and the lock did not expire / file was not re-locked.<br>[Redacted] would be the correct undiscounted rate as this is the rate closest to PAR<br>If the staring adjustment rate and APOR are within [Redacted]% of each other = UP To 2% bona fide discount points<br> [Redacted]-[Redacted]0= . [Redacted] - this is less than [redacted]% difference so this gives a [redacted]% possibility for bona fide discount points on this test. <br>2nd Test - Starting adjusted rate discount points vs Note Rate Discount points test: take note rate discount points, subtract the Starting adjusted rate discount points = bona fide discount points =[Redacted] <br> [Redacted]-[Redacted]= [Redacted]<br>Whichever test gives you the lowest return for amount of bona fide discount points, is what you get. In this case the 2nd test gave us the lower return so the correct amount of bona fide discount points is the [Redacted]% = $[Redacted]<br>Reviewer Comment (2023-11-13): Undiscounted rate [Redacted]% - Note rate of [Redacted]% = [Redacted][Redacted] rate reduction. [Redacted]% discount points on CD - [Redacted]% undiscounted price = [Redacted]% discount points left for possible exclusion. [Redacted][Redacted] / [Redacted]% = [Redacted]bps. As the spread between undiscounted rate [Redacted]% and APOR of [Redacted]% is [Redacted]%, up to 1 discount point can be excluded. After 1 discount point is excluded, the HOEPA fees remain over [Redacted]. The Mavent in file is excluding [Redacted]% in discount points, but is not taking into consideration that the undiscounted rate exceeds the APOR by more than 1% and it's using APOR of [Redacted]% (which was published [Redacted]) rather than the [Redacted]% APOR rate which was when the loan was locked at Note rate of [Redacted]% on [Redacted].<br>Seller Comment (2023-11-13): Not a high cost or high priced, mavent was uploaded showing these both PASS and not exceed threshold | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699912 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a 2[Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): Please provide compliance review, email sent<br>Reviewer Comment (2023-12-11): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $1 [Redacted] [Redacted]or . [Redacted]%). Non-Compliant High Cost Loan.<br>Seller Comment (2023-12-04): Loan was originally locked on [Redacted]. [Redacted]% would be the correct undiscounted rate as it is closest to par, please see rate stack on attached lock confirmation. Bottom of page 2 in PDF<br>Reviewer Comment (2023-12-03): Please provide documentation showing the cost of the undiscounted start rate of [Redacted]%<br>Seller Comment (2023-11-28): Please see below from our Compliance department:<br>The Loan was initially locked on [Redacted], APOR of [Redacted] is correct.<br>The APOR would not have been updated when the rate was reduced as there was no loan program change, and the lock did not expire / file was not re-locked.<br>[Redacted] would be the correct undiscounted rate as this is the rate closest to PAR<br>If the staring adjustment rate and APOR are within 1% of each other = UP To 2% bona fide discount points<br> [Redacted]-[Redacted]0= [Redacted] this is less than 1% difference so this gives a 2% possibility for bona fide discount points on this test. <br>2nd Test - Starting adjusted rate discount points vs Note Rate Discount points test: take note rate discount points, subtract the Starting adjusted rate discount points = bona fide discount points =[Redacted] <br> [Redacted]-[Redacted]= [Redacted]<br>Whichever test gives you the lowest return for amount of bona fide discount points, is what you get. In this case the 2nd test gave us the lower return so the correct amount of bona fide discount points is the [Redacted]% = [Redacted]<br>Reviewer Comment (2023-11-13): Undiscounted rate [Redacted]% - Note rate of [Redacted]% = [Redacted][Redacted] rate reduction. [Redacted]% discount points on CD - [Redacted]% undiscounted price = [Redacted]% discount points left for possible exclusion. [Redacted][Redacted] / [Redacted]% = 1.3396 bps. As the spread between undiscounted rate [Redacted]% and APOR of [Redacted]% is [Redacted]%, up to 1 discount point can be excluded. After 1 discount point is excluded, the HOEPA fees remain over [Redacted]. The Mavent in file is excluding [Redacted]% in discount points, but is not taking into consideration that the undiscounted rate exceeds the APOR by more than 1% and it's using APOR of [Redacted]% (which was published [Redacted] rather than the [Redacted]% APOR rate which was when the loan was locked at Note rate of [Redacted]% on [Redacted]<br>Seller Comment (2023-11-13): Please see attached Mavent - this is not a higher priced or high cost loan. We have a PASS on both sections | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D C B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699913 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a 2[Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): Please provide compliance review, email sent<br>Seller Comment (2023-12-04): Loan was originally locked on [Redacted]. [Redacted]% would be the correct undiscounted rate as it is closest to par, please see rate stack on attached lock confirmation. Bottom of page 2 in PDF<br>Reviewer Comment (2023-12-03): Please provide documentation showing the cost of the undiscounted start rate of [Redacted]%<br>Seller Comment (2023-11-28): Please see below from our Compliance department:<br>The Loan was initially locked on [Redacted], APOR of [Redacted] is correct.<br>The APOR would not have been updated when the rate was reduced as there was no loan program change, and the lock did not expire / file was not re-locked.<br>[Redacted] would be the correct undiscounted rate as this is the rate closest to PAR<br>If the staring adjustment rate and APOR are within 1% of each other = UP To 2% bona fide discount points<br> [Redacted]-[Redacted]0= . [Redacted]- this is less than 1% difference so this gives a 2% possibility for bona fide discount points on this test. <br>2nd Test - Starting adjusted rate discount points vs Note Rate Discount points test: take note rate discount points, subtract the Starting adjusted rate discount points = bona fide discount points =[Redacted] <br> [Redacted]-[Redacted]= [Redacted]<br>Whichever test gives you the lowest return for amount of bona fide discount points, is what you get. In this case the 2nd test gave us the lower return so the correct amount of bona fide discount points is the [Redacted]% = $[Redacted]<br>Reviewer Comment (2023-11-13): Undiscounted rate [Redacted]% - Note rate of [Redacted]% = [Redacted][Redacted] rate reduction. [Redacted]% discount points on CD - [Redacted]% undiscounted price = [Redacted]% discount points left for possible exclusion. [Redacted][Redacted] / [Redacted]% = [redacted] bps. As the spread between undiscounted rate [Redacted]% and APOR of [Redacted]% is [Redacted]%, up to 1 discount point can be excluded. After 1 discount point is excluded, the HOEPA fees remain over [Redacted]. The Mavent in file is excluding [Redacted]% in discount points, but is not taking into consideration that the undiscounted rate exceeds the APOR by more than 1% and it's using APOR of [Redacted]% (which was published [Redacted]) rather than the [Redacted]% APOR rate which was when the loan was locked at Note rate of [Redacted]% on [Redacted].<br>Seller Comment (2023-11-13): Not a high cost or high priced, mavent was uploaded showing these both PASS and not exceed threshold | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699914 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or [redacted]%). |  |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to [Redacted]Title based on prior attestation from [redacted]. Less than a 2[Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated.<br>Reviewer Comment (2023-12-11): EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Fannie Mae 2014 [Redacted][Redacted]Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of .[Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]and $[Redacted]() (an overage of $[Redacted] or [Redacted]%). | 12/12/2023 |  |  | 1 B A | B | A B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-12-07): EXCEPTION HISTORY - Exception Detail was updated on [Redacted]PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. ([Redacted])<br>Reviewer Comment (2023-12-05): [Redacted] received COC for LE dated [redacted] however we would also require COC for the fee increased on CD dated [Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased on CD dated [redacted] or provide cure .Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2023-12-04): Lock Confirmation and COC<br>Seller Comment (2023-12-04): This is a bona fide discount, as the cost of the locked rate was [Redacted] on a [redacted] day lock. Please see the rate lock form showing the complete rate stack for the loan. The branch even gave a [redacted]bps pricing concession to assist. Change of circumstance also shows the consumer chose to increase the discount charge to reduce the rate to [Redacted]% |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699918 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699919 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Total cash-out discrepancy. |  | HUD is including debts paid off at closing in cash out total. |  |  |  | Reviewer Comment (2023-12-11): Debt is being included in numbers<br>Seller Comment (2023-12-04): Final CD shows cash back to borrower is $[Redacted], less than AUS.<br>Seller Comment (2023-12-04): Final CD | 12/11/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619938 | XX | XX |  | 33699920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2023-12-12): Updated fees paid to First Source Title based on prior attestation from [redacted]. Less than a 2[Redacted] ownership interest in the company is enough to treat those fees paid to First Source Title Agency as a third party rather than a lender affiliate for purposes of DF HOEPA and QM testing. Data and testing updated. | 12/12/2023 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619938 | XX | XX |  | 33699922 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  | The Loan to Value (LTV) on the loan is less than or equal to [redacted]%.<br>Borrower has owned the subject property for at least [redacted]years. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-01-04): Waived and downgraded per client email/ sheet based on available compensating factors.<br>Buyer Comment (2024-01-03): Ok to waive (Per [redacted], There is no lien on a property, then you are not required to carry insurance on it.)<br>Reviewer Comment (2023-12-11): Move to buyer for review<br>Seller Comment (2023-12-04): Borrower indicated that there is no insurance on the property located at [redacted]. |  |  | 01/04/2024 | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699923 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699924 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Required Third party and WVOE Verification is missing. |  |  |  | Reviewer Comment (2024-01-22): Updated based on information showing the businesses are the same<br>Reviewer Comment (2024-01-19): Missing VOE for [Redacted], received for LTD<br>Seller Comment (2024-01-17): Why is this still open when you cleared the VVOE under ID[Redacted]? | 01/22/2024 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699925 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Required Third party and WVOE Verification is missing. |  |  |  | Reviewer Comment (2024-01-22): Updated based on information showing the businesses are the same | 01/22/2024 |  |  | 1 A | A | A |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699926 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable third-party records. | Required Third party and WVOE Verification is missing. |  |  |  | Reviewer Comment (2024-01-22): Updated based on information showing the businesses are the same<br>Reviewer Comment (2024-01-19): Missing VOE for [Redacted], received for LTD<br>Seller Comment (2024-01-17): Why is this still open when you cleared the VVOE under ID [Redacted]? | 01/22/2024 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699927 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-01-22): Updated based on information showing the businesses are the same | 01/22/2024 |  |  | 1 B A C | B | A C B |  | CA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223619939 | XX | XX |  | 33699928 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Second Home, Purpose: Refinance, Cash-out - Other | AUS missing from file. |  |  |  | Reviewer Comment (2024-01-24): Received guidelines<br>Reviewer Comment (2024-01-19): Please provide guidelines<br>Seller Comment (2024-01-17): Transaction is AUS Jumbo. AUS will be Approve/Ineligible due to the loan amount. This is an invalid citation. | 01/24/2024 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699929 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Required Third party and WVOE Verification is missing. |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-15): Please see attache[Redacted] | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699930 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | The verification of employment not provided in file. |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-15): Please see attached VOE for xx LTD. Ordered [Redacted], current as of[Redacted]Note date [Redacted] | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699931 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-15): Please see attached VOE for xx LTD. Ordered [Redacted], current as of [Redacted] Note date [Redacted] | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS/[redacted]and or Guidelines are missing. |  |  |  | Reviewer Comment (2023-12-29): please email applicable guidelines for review<br>Seller Comment (2023-12-27): Please see the jumbo product profile attached<br>Reviewer Comment (2023-12-11): Please provide Jumbo guidelines<br>Seller Comment (2023-12-05): Please see DU and 1008. This is a Jumbo loan so the AUS recommendation is Approve Ineligible. | 12/29/2023 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699933 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing guidelines |  |  |  | Reviewer Comment (2024-01-24): Received guidelines<br>Reviewer Comment (2024-01-19): Missing VOE for xx USA, received for LTD<br>Seller Comment (2024-01-17): Why is this still open when you cleared the VVOE under ID [Redacted]? | 01/24/2024 |  |  | 1 C A | C | A C |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699934 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Undisclosed debt, DTI increased from [redacted]% to [redacted]%. |  |  |  | Reviewer Comment (2024-01-22): S&D |  |  |  | 2 B | B | B |  | CA | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619939 | XX | XX |  | 33699935 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-01-24): Received guidelines | 01/24/2024 |  |  | 1 A |  | A |  | CA | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619940 | XX | XX |  | 33699936 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S & D Reason: Early payment default |  |  |  | Reviewer Comment (2023-11-20): S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619940 | XX | XX |  | 33699937 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is not using Version[redacted] FNMA Legal Documents. |  |  |  | Reviewer Comment (2023-12-18): Note date is prior to [redacted], when it became mandatory<br>Reviewer Comment (2023-12-12): Per client review, [Redacted] testing is applied. Moved to client queue for approval and downgrade consideration.<br>Seller Comment (2023-12-12): The loan is a CES - therefore not originated as a [Redacted] eligible loan and not intended to be delivered to [Redacted]. As the loan is not originated to be sold to [Redacted], the form requirement is not applicable. | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619940 | XX | XX |  | 33699938 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Title - Lender's Title Insurance was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2023-11-13): Sufficient Cure Provided At Closing |  | 11/13/2023 |  | 1 A | A | A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223619940 | XX | XX |  | 33699939 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] |  | AVM is provided |  |  |  | Reviewer Comment (2023-12-13): received AVM Date | 12/13/2023 |  |  | 1 D A | D | A D |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619940 | XX | XX |  | 33699940 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AVM provided is incomplete, missing full report. Received screen shot and report date is missing. |  |  |  | Reviewer Comment (2023-12-13): Comment received 2 pages and proof of receipt date of [Redacted]<br>Seller Comment (2023-12-12): What has been provided is the full AVM report. What exactly do you feel is missing? The screen show is to evidence the date the AVM was pulled.<br>Reviewer Comment (2023-11-28): received screen shot for date and same 2 page doc, please provide full AVM report<br>Seller Comment (2023-11-22): Please see attached | 12/13/2023 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619940 | XX | XX |  | 33699941 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-12-20): Received BPO | 12/20/2023 |  |  | 1 A |  | A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619940 | XX | XX |  | 33699942 |  | Credit | Credit | Miscellaneous | Credit | Kroll Second Lien Property Exception - Primary Valuation is missing |  |  |  |  |  |  |  |  |  | 3 A |  | D A |  | CA | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699943 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | [redacted]st lien documents are missing in file. |  |  |  | Reviewer Comment (2023-12-18): Document received. Exception Cleared<br>Seller Comment (2023-12-15): Please see attached | 12/18/2023 |  |  | 1 D A | D | A D |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699944 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Hazard Insurance policy does not list Lender or Servicer - including successors and assigns. Required updated Hazard Insurance policy |  |  |  | Reviewer Comment (2024-01-09): Moved to buyer per seller request.<br>Seller Comment (2024-01-05): Per [Redacted] is not required when the Lender & Servicer are one in the same. Escalate to buyer.<br>Reviewer Comment (2023-12-18): Document provided (Doc ID [redacted]) for the policy in effect [Redacted] does not reflect the required successors and assigns.<br>Seller Comment (2023-12-15): See attached |  |  |  | 3 C | C | C |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699945 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Per guidelines, a full appraisal is required for HPML loans that are not QM. |  |  |  | Reviewer Comment (2023-12-18): Loan [Redacted]to [Redacted]Q/ATR Testing Subject loan is a Higher Priced Covered Transaction. The absence of a full appraisal with site visit, makes the loan HPML non-compliant. On the original transaction, an appraisal was not required or obtained. Unable to clear. |  |  |  | 3 D A | N/A | N/A D |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699947 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. |  |  |  | Reviewer Comment (2024-01-19): No appraisal<br>Reviewer Comment (2024-01-19): To review<br>Reviewer Comment (2023-12-18): Loan [Redacted]to Appendix Q/ATR Testing Subject loan is a Higher Priced Covered Transaction. The absence of a full appraisal with site visit, makes the loan HPML non-compliant. On the original transaction, an appraisal was not required or obtained. Unable to clear.<br>Seller Comment (2023-12-16): Presumption of Compliance |  |  |  | 2 C B | C | B C |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699948 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | As per due diligence loan Designation will be Non QM. |  |  |  | Reviewer Comment (2024-01-19): No appraisal<br>Reviewer Comment (2024-01-19): To review<br>Reviewer Comment (2023-12-18): Loan [Redacted]to Appendix Q/ATR Testing Subject loan is a Higher Priced Covered Transaction. The absence of a full appraisal with site visit, makes the loan HPML non-compliant. On the original transaction, an appraisal was not required or obtained. Unable to clear.<br>Seller Comment (2023-12-16): Presumption of Compliance |  |  |  | 2 B | B | B |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699949 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. | Per guidelines, a full appraisal is required for HPML loans that are not QM. AVM is available in file. |  |  |  | Reviewer Comment (2024-01-19): No appraisal provided<br>Reviewer Comment (2024-01-19): To review<br>Reviewer Comment (2023-12-18): Loan [Redacted]to Appendix Q/ATR Testing Subject loan is a Higher Priced Covered Transaction. The absence of a full appraisal with site visit, makes the loan HPML non-compliant. On the original transaction, an appraisal was not required or obtained. Unable to clear.<br>Seller Comment (2023-12-16): Presumption of Compliance - Full appraisal is not required |  |  |  | 2 C B | C | B C |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699950 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Early payment default. |  |  |  | Reviewer Comment (2023-11-27): S&D reason |  |  |  | 2 B | B | B |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619941 | XX | XX |  | 33699951 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-12-18): Final Title Policy Provided. Exception Cleared<br>Seller Comment (2023-12-15): Please see attached | 12/18/2023 |  |  | 1 C A | C | A C |  | NM | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699957 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided to the borrower. Cure amount equals $[redacted]. |  |  |  | Reviewer Comment (2023-12-18): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2023-12-15): Invalid exception | 12/18/2023 |  |  | 1 C A | C | A C |  | ID | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619942 | XX | XX |  | 33699958 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is not using Version [redacted] FNMA Legal Documents. |  |  |  | Reviewer Comment (2023-12-18): Note date is prior to [Redacted], when it became mandatory<br>Reviewer Comment (2023-12-14): Per client review, [Redacted]testing is applied. Moved to client queue for approval and downgrade consideration.<br>Seller Comment (2023-12-12): Per [Redacted]- Lenders are required to use these updated security instruments, notes, riders and addenda, and special-purpose documents for loans delivered to Fannie Mae with note dates on or after [Redacted]. The loan is a CES and is not an [Redacted] eligible loan. Therefore, these form requirements are not applicable. | 12/18/2023 |  |  | 1 C A | C | A C |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699959 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | No title amount is updated under the report, final title policy will have the policy amount covering the loan amount. |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-12): Loan is a CES - this product does not require a standard prelim title commitment. Loan file includes an Encumbrance Report & Errors & Omissions certificate evidencing the loan is covered under a Service Agreement for which there is an Errors & Omissions Liability Policy. This is all that's required per the CES product profile. | 12/18/2023 |  |  | 1 C A | C | A C |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699960 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title policy is not provided in the file. |  |  |  | Reviewer Comment (2023-12-18): received final title | 12/18/2023 |  |  | 1 A | A | A |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699961 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. . Appraisal was provided.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C A | C | C |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. A reason for no escrow was not selected on the Closing Disclosure. |  |  |  | Reviewer Comment (2024-01-09): [Redacted] received Post CD and LOX.<br>Seller Comment (2024-01-05): PCCD & LOX<br>Reviewer Comment (2023-12-19): [Redacted] Even if the loan is second lien require corrected final CD. Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Seller Comment (2023-12-15): response<br>Reviewer Comment (2023-12-14): While the actual collection on 2nd liens is not required (unless specifically required when not collected on the first), the taxes and assessment information is required to be disclosed to reflect all borrower obligations related to the subject transaction under 1026.37(c)(4).<br>Seller Comment (2023-12-12): The loan is a CES, it will not have escrows. This is not required to be answered on a subordinate lien. |  | 01/09/2024 |  | 2 C B | C | B C |  | ID | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619942 | XX | XX |  | 33699963 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - DQ prior to delivery<br> FPD 3/[redacted], [redacted]payment DQ (made [redacted]). The borrower logged on to the website on [redacted] to make the payment; however, the payment failed due to invalid account number. The borrower contacted customer service on [redacted] to determine why the April payment didn't clear, at which time he made the [redacted]and[redacted] payments. All other payments have been made in a timely manner. No ACH payment set up. |  |  |  | Reviewer Comment (2023-11-26): S&D reason |  |  |  | 2 B | B | B |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699964 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost must be provided in order to verify sufficient coverage is in place. |  |  |  | Reviewer Comment (2024-01-05): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-05): As highlighted, the policy includes replacement cost coverage. As such, the policy is not required to meet any additional calculation.<br>Reviewer Comment (2023-12-18): Policy amount of $[Redacted]; property value per appraisal is $[Redacted]- subject lien is $[Redacted]and first lien is $[Redacted]<br>Seller Comment (2023-12-12): Policy includes [redacted]% replacement costs. Coverage is sufficient. |  |  |  | 3 C | C | C |  | ID | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223619942 | XX | XX |  | 33699965 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-12-18): Sufficient Cure Provided At Closing |  | 12/18/2023 |  | 1 A |  | A |  | ID | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223619943 | XX | XX |  | 33699967 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: DQ prior to pooling<br> [redacted]payment made[redacted]. [redacted] payment made [redacted]<br> Servicing attempted to reach the borrower via phone and email [redacted]. Servicing successfully reached the borrower on [redacted] at which time the borrower initiated the payments for the[redacted] and[redacted] payments.<br> The borrower advised the missed payment was an oversight. |  |  |  | Reviewer Comment (2023-11-22): S&D reason |  |  |  | 3 C | C | C |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699968 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is not using Version [redacted] FNMA Legal Documents |  |  |  | Reviewer Comment (2023-12-18): Note date is prior to [redacted], when it became mandatory<br>Reviewer Comment (2023-12-14): Per client review, [Redacted] testing is applied. Moved to client queue for approval and downgrade consideration.<br>Seller Comment (2023-12-12): Per [redacted]- Lenders are required to use these updated security instruments, notes, riders and addenda, and special-purpose documents for loans delivered to Fannie Mae with note dates on or after [redacted]. The loan is a [redacted] and not a [redacted] eligible loan - therefore this requirement is not applicable. | 12/18/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699969 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The CU score is [redacted] and LCU score could not be assessed. Secondary valuation for the subject transaction is missing. |  |  |  |  |  |  |  | 2 D A | N/A | N/A D |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan discount points was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2023-12-18): [Redacted] received [redacted] dated [redacted].<br>Seller Comment (2023-12-15): Loan Discount Points | 12/18/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223619943 | XX | XX |  | 33699971 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2023-12-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2023-12-15): Appraisal Fee | 12/18/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223619943 | XX | XX |  | 33699972 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Flood certification was last disclosed as $0 on Loan Estimate but disclosed as $9 on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2023-12-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2023-12-15): Flood Certification | 12/18/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 223619943 | XX | XX |  | 33699973 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2023-12-29): Received proof borrower received and viewed appraisal<br>Seller Comment (2023-12-27): response<br>Reviewer Comment (2023-12-18): Received additional copy of appraisal delivery to borrower on [redacted]. Mailbox Rule applied. Borrower is considered to have received the appraisal on [redacted]. Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. HPML non-compliant due to appraisal delivery timing.<br>Seller Comment (2023-12-15): QM response | 12/29/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699974 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2023-12-29): Received proof borrower received and viewed appraisal<br>Seller Comment (2023-12-27): Response<br>Reviewer Comment (2023-12-18): Received additional copy of appraisal delivery to borrower on [redacted]. Mailbox Rule applied. Borrower is considered to have received the appraisal on [redacted]. Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation.<br>Seller Comment (2023-12-15): Appraisal sent | 12/29/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699975 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-15): Title policies are not issued on a CES transaction. It is either a MRELP. RELP, or an E&O<br>Reviewer Comment (2023-12-15): unable to determine title vesting or coverage amount, move to buyer for review<br>Seller Comment (2023-12-12): Refer to [redacted] profile - this product does not require a standard prelim title report. These documents are in your imaging repository. | 12/18/2023 |  |  | 1 C A | C | A C |  | WY | Primary | Refinance - Cash-out - Other | D C A | Non QM | Non QM | No |
| 223619943 | XX | XX |  | 33699976 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2023-12-18): Sufficient Cure Provided At Closing |  | 12/18/2023 |  | 1 A |  | A |  | WY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223619943 | XX | XX |  | 33699977 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2023-12-18): Sufficient Cure Provided At Closing |  | 12/18/2023 |  | 1 A |  | A |  | WY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 223619944 | XX | XX |  | 33699979 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to three ([redacted]) business days from transaction date of [redacted] AM. |  |  |  |  | Reviewer Comment (2023-12-18): Borrower signed the Final Closing Disclosure on [redacted]. The RTC Expiration date is [redacted] allowing for disbursement on [redacted]. Lender correspondence (Doc ID [redacted]) confirms borrower did not sign Final CD at time of closing. Required remediation: TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2023-12-14): TILA response |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223619944 | XX | XX |  | 33699980 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Right to cancel expiration date of [redacted] is not [redacted] days from transaction date of [redacted] (Final CD signed [redacted]) |  |  |  | Reviewer Comment (2023-12-18): Borrower signed the Final Closing Disclosure on [redacted]. The RTC Expiration date is [redacted] allowing for disbursement on [redacted]. Lender correspondence (Doc ID [redacted]) confirms borrower did not sign Final CD at time of closing. Required remediation: TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form.<br>Seller Comment (2023-12-14): TILA response |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223619944 | XX | XX |  | 33699981 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Early Payment Default - [redacted]payment made [redacted] |  |  |  | Reviewer Comment (2023-11-22): S&D reason |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619944 | XX | XX |  | 33699982 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2023-12-18): Lender Exception Provided. Exception Cleared<br>Seller Comment (2023-12-14): AUS response | 12/18/2023 |  |  | 1 C A | C | A C |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619944 | XX | XX |  | 33699984 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Ownership and encumbrance report was provided |  |  |  | Reviewer Comment (2023-12-18): Final Title Policy Provided. Exception Cleared<br>Seller Comment (2023-12-14): title response | 12/18/2023 |  |  | 1 C A | C | A C |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619945 | XX | XX |  | 33699985 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2023-12-20): received proof of AVM date<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 12/20/2023 |  |  | 1 D A | D | A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699986 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2023-12-19): document received<br>Seller Comment (2023-12-19): Title<br>Reviewer Comment (2023-12-15): Received transactional certificate, missing title<br>Seller Comment (2023-12-14): Title policies are not issued on a [redacted] | 12/19/2023 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699987 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2023-12-19): AVM document received<br>Seller Comment (2023-12-19): AVM pulled and uploaded on [redacted]<br>Reviewer Comment (2023-12-15): no valuation provided<br>Seller Comment (2023-12-14): Appraisal response - QM eligible<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 12/19/2023 |  |  | 1 D A | D | A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699988 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2024-01-08): Updated exceptions<br>Reviewer Comment (2023-12-29): Loan is reviewed to securitization standards per buyer. Loan is missing a primary appraisal as required with interior inspection, moved to buyer for review<br>Seller Comment (2023-12-27): Loan is QM compliant therefore a full appraisal is NOT required<br>Reviewer Comment (2023-12-27): Loan is reviewed to securitization standards per buyer. Loan is missing a primary appraisal as required with interior inspection<br>Seller Comment (2023-12-22): Please explain your response. The Closed End Second guidelines allow an HVD and Exterior inspection in lieu of an appraisal on loans that are QM. There is no appraisal because an appraisal is not required. What, exactly, are you asking us to provide?<br>Reviewer Comment (2023-12-15): Securitization requirement<br>Seller Comment (2023-12-14): Appraisal response - QM eligible<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 01/08/2024 |  |  | 1 D A | D | A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699989 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | PR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan |  |  |  | Reviewer Comment (2024-01-05): Received email ([redacted]) to restate designation<br>Seller Comment (2024-01-04): response<br>Reviewer Comment (2023-12-29): Loan is HPML non-compliant<br>Seller Comment (2023-12-27): Loan is QM compliant therefore a full appraisal is NOT required<br>Reviewer Comment (2023-12-15): Non-Compliant due to appraisal not being provided<br>Seller Comment (2023-12-14): Appraisal response - QM eligible | 01/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699990 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  | Reviewer Comment (2024-01-05): Received email ([redacted]) to restate designation<br>Reviewer Comment (2024-01-05): Loan is HPML. Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [Redacted], or [redacted]%.<br>Seller Comment (2024-01-05): Disclosures are only required when the loan is HPML & NonQM. The loan is QM, this request is invalid.<br>Reviewer Comment (2023-12-29): No proof valuation product was provided to borrower. Disclosure tracking does not show the valuation (AVM) was ever provided to the borrower<br>Seller Comment (2023-12-27): Disclosures<br>Reviewer Comment (2023-12-20): Disclosure is required on an HPML loan<br>Seller Comment (2023-12-20): AVM copy to the borrower is not required on a [redacted]<br>Reviewer Comment (2023-12-15): AVM was not provided to borrower<br>Seller Comment (2023-12-14): Appraisal response - QM eligible<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 01/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699991 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. | Appraisal not obtained by physical visit to property. |  |  |  | Reviewer Comment (2024-01-05): Received email ([redacted]) to restate designation<br>Reviewer Comment (2023-12-29): Full appraisal not done, move to buyer for review<br>Seller Comment (2023-12-27): Disclosures<br>Reviewer Comment (2023-12-27): Loan is reviewed to securitization standards per buyer. Loan is missing a primary appraisal as required with interior inspection<br>Seller Comment (2023-12-22): Please explain your response. The Closed End Second guidelines allow an HVD and Exterior inspection in lieu of an appraisal on loans that are QM. There is no appraisal because an appraisal is not required. What, exactly, are you asking us to provide?<br>Reviewer Comment (2023-12-15): Appraisal not provided<br>Seller Comment (2023-12-14): Appraisal response - QM eligible<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 01/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699992 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three ([redacted]) business days prior to closing. (Initial[redacted]) |  |  |  | Reviewer Comment (2023-12-18): [Redacted] received tracking for initial CD.<br>Seller Comment (2023-12-14): ICD response | 12/18/2023 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | No Defined Cure B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699993 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]) business days prior to closing. | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least four ([redacted]) business days prior to closing. (Interim[redacted]) |  |  |  | Reviewer Comment (2024-01-08): [Redacted] received attestation of timing receipt reflected on date stamp on LE.<br>Seller Comment (2024-01-05): Review the top of the LE document provided multiple times - there is edisclosure timestamps.<br>Seller Comment (2024-01-04): Evidence of receipt (again)<br>Reviewer Comment (2023-12-29): Final LE must be received [redacted] days prior to closing. Final LE was not received, per mailbox rule, until [redacted] which is [redacted] business days prior to closing.<br>Seller Comment (2023-12-27): [redacted] LE response<br>Reviewer Comment (2023-12-21): [Redacted] received copy of [redacted] LE and proof of appraisal delivery. Did not receive proof of [redacted] LE on [redacted]. Please provide disclosure receipt documentation.<br>Seller Comment (2023-12-19): See attached - LE was received on [redacted]<br>Reviewer Comment (2023-12-18): [Redacted] received rebuttal on timing. However, the Revised LE must be "Received/Delivered" to borrower at least [redacted] business days prior to closing. Closing date is [redacted], counting back, [redacted] [redacted] is day #[redacted],[redacted]is day #[redacted], [redacted] is day #[redacted] and [redacted] is day #[redacted]. LE sent on [redacted] without proof of earlier receipt and mailbox rule is in effect making borrower receipt date of the LE on [redacted] which is only [redacted] business days prior to closing. Must be received [redacted] business days prior and at least by [redacted]. Provide proof of earlier receipt or exception is valid and cannot be cured.<br>Seller Comment (2023-12-14): Revised LE response<br>Seller Comment (2023-12-14): [redacted] revised LE response | 01/08/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | No Defined Cure B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699994 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-01-05): Received email ([redacted]) to restate designation | 01/05/2024 |  |  | 1 B A | B | A B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699995 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: DQ prior to delivery FPD[redacted]. [redacted]payment DQ (made [redacted]), [redacted] payment DQ (made [redacted]). Both delinquencies appear to be oversights. The borrower has made all payments via the website. The borrower has enrolled in autopay, effective [redacted], which should resolve any issues on go-forward. It is noted that his autopay request includes a $[redacted]principal payment each month, which confirms his ability to make payments. |  |  |  | Reviewer Comment (2023-11-22): S&D reason |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699996 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AVM provided is incomplete, appears to just be screen shot of actual report |  |  |  | Reviewer Comment (2023-12-20): received proof of AVM date<br>Seller Comment (2023-12-19): AVM is the full report pulled on [redacted].<br>Reviewer Comment (2023-12-06): AVM is not a full report, just screen shot<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 12/20/2023 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699997 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  | Reviewer Comment (2024-01-05): Received email [redacted]to restate designation<br>Seller Comment (2024-01-05): What guideline/reg being referenced requires the AVM be provided to the borrowers?<br>Reviewer Comment (2023-12-29): No proof valuation product was provided to borrower. Disclosure tracking does not show the valuation (AVM) was ever provided to the borrower<br>Seller Comment (2023-12-27): Disclosures<br>Reviewer Comment (2023-12-15): AVM not provided to borrower<br>Seller Comment (2023-12-14): Appraisal response - QM eligible<br>Reviewer Comment (2023-12-06): Please provide full AVM report, screen shot lacks date<br>Seller Comment (2023-12-05): HVE and Exterior Inspection allowed per Closed End Second guidelines and are located in the file. | 01/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33699998 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-01-16): Exterior PCI is not the same as a secondary valuation. Move to buyer for review<br>Seller Comment (2024-01-08): Assuming you agree that the loan is QM, the CES guidelines allow the use of a Home Value Estimator and an Experior Property Inspection…both of which were obtained.<br>Reviewer Comment (2023-12-29): Full appraisal not completed, exception remains; moved to buyer for review<br>Seller Comment (2023-12-27): Disclosures |  |  |  | 3 D A |  | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33700000 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Received email ([redacted]) to restate designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619945 | XX | XX |  | 33700001 |  | Credit | Credit | Miscellaneous | Credit | Kroll Second Lien Property Exception - Primary Valuation is missing |  |  |  |  |  | Reviewer Comment (2024-01-16): Nothing to be done here, informational EV2<br>Seller Comment (2024-01-08): Assuming you agree that the loan is QM, the CES guidelines allow the use of a Home Value Estimator and an Experior Property Inspection…both of which were obtained. This was addressed in the other open condition...why has this new condition been added? |  |  |  | 3 A |  | D A |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619946 | XX | XX |  | 33700002 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final title policy is missing in loan file. |  |  |  | Reviewer Comment (2023-12-18): document received<br>Seller Comment (2023-12-14): Title policies are not issued on a CES transaction | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700003 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700004 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700005 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of % of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or %). | annie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of % of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or %). |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | ATR Risk | Yes |
| 223619946 | XX | XX |  | 33700006 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 B C | B | B C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619946 | XX | XX |  | 33700008 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Selection was not made on page [redacted] depicting if escrows were declined or if lender did not offer them. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | Non QM | ATR Risk | Yes |
| 223619946 | XX | XX |  | 33700009 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. A cure in the amount of $[redacted]is required. |  |  |  | Reviewer Comment (2023-12-15): [Redacted] require valid COC document for increase of recording fee Please provide valid COC or cure is required. Cure consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2023-12-14): receipt |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619946 | XX | XX |  | 33700010 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - DTI Issue - increased from [redacted]% to [redacted]%. Travis CU with payment of $[redacted]not paid off as required. |  |  |  | Reviewer Comment (2023-11-27): S&D |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700012 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | DTI exceeds the maximum guideline amount of [redacted]%. |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700013 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds [redacted]%. |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700014 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Account to be paid off did not get paid off and therefore DTI increased |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619946 | XX | XX |  | 33700015 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | Reviewer Comment (2023-12-18): Same lender refi<br>Seller Comment (2023-12-14): RTC form response | 12/18/2023 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | ATR Risk | Yes |
| 223619947 | XX | XX |  | 33700016 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ |  |  |  |  | Reviewer Comment (2023-12-11): Buyer to review<br>Seller Comment (2023-12-08): The loan is a closed end second, this is no prelim title commitment. See attached per our CES product profile. |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619947 | XX | XX |  | 33700019 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | ATR Risk | Yes |
| 223619947 | XX | XX |  | 33700020 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2023-12-11): Not required for the CES product<br>Seller Comment (2023-12-08): The loan is a closed end second, this is a non-AUS product. | 12/11/2023 |  |  | 1 C A | C | A C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619947 | XX | XX |  | 33700021 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: DTI - [redacted] |  |  |  | Reviewer Comment (2023-11-25): S&D reason |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619947 | XX | XX |  | 33700022 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Appears lender used income averaged at [redacted] hours; however, WVOE shows [redacted] hours per week |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619947 | XX | XX |  | 33700023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 B C | B | B C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619947 | XX | XX |  | 33700024 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to DTI |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619947 | XX | XX |  | 33700025 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Appears lender used income averaged at [redacted] hours; however, WVOE shows [redacted] hours per week |  |  |  | Reviewer Comment (2023-11-27): Due to S&D reason |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619948 | XX | XX | XX | 33700026 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ |  |  |  |  | Reviewer Comment (2023-12-27): while this is the policy type allowed by guidelines, unable to determine coverage as required. Defer to buyer for review<br>Seller Comment (2023-12-26): Loan is a CES - this request is not valid as standard title policies are not issued. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619948 | XX | XX | XX | 33700028 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): 1. High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619948 | XX | XX | XX | 33700029 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Reviewer Comment (2024-01-02): Buyer to review<br>Seller Comment (2024-01-02): S&D Reason - validate with Investor<br>Reviewer Comment (2023-12-29): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat § [redacted].<br>Seller Comment (2023-12-26): S&D Reason - See attached cure. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619948 | XX | XX | XX | 33700030 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure. |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619948 | XX | XX | XX | 33700031 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-14): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619948 | XX | XX | XX | 33700032 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): received internal information for first lien<br>Seller Comment (2023-12-26): Internal 1st Lien Info | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619948 | XX | XX | XX | 33700033 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | AVM provided appears to be screen shot only and is missing date |  |  |  |  |  |  |  | 3 D | D | D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700034 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): Note - Senior Lien provided, Exception Cleared<br>Seller Comment (2023-12-27): 1st Lien Info | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700036 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700037 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): Non Compliant due to no appraisal on HPML loan<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700038 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700039 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2024-01-02): Loans is HPML and appraisal not provided<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700040 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700041 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619949 | XX | XX | XX | 33700042 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - please escalate to buyer.<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted] this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat § [redacted]<br>Seller Comment (2024-01-02): PCCD, LOX, Refund |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619949 | XX | XX | XX | 33700043 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | not checked in final CD |  |  |  | Reviewer Comment (2024-01-02): Received PC CD and LOE |  | 01/02/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619949 | XX | XX | XX | 33700044 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-14): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700045 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-14): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700046 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement missing for the REO property [redacted] |  |  |  | Reviewer Comment (2024-01-03): Credit Document associated. Exception Cleared<br>Seller Comment (2024-01-02): Property - [redacted]; P&I amount verified from credit report; Taxes and Ins is escowed. Category is [redacted]. | 01/03/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700047 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700048 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-01-04): Exception does not pertain to [Redacted] requirements. Investor consideration required for loans being purchased to ensure proper coverage. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-02): [Redacted] guidelines do not require ISAOA language when the lender & servicer are one in the same. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700050 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-01-02): document received<br>Seller Comment (2024-01-02): 1st lien | 01/02/2024 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700051 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): HMPL loan<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700052 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700053 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2024-01-02): HPML Loan missing appraisal<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700054 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-25): High cost finding cured.<br>Seller Comment (2024-04-24): High Cost Opinion Letter | 04/25/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700055 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted]High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-25): High cost finding cured.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - please escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of[redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - See PCCD, LOX, & Refunds | 04/25/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619950 | XX | XX | XX | 33700056 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-25): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure. |  | 04/25/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619951 | XX | XX | XX | 33700057 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-04): Duplicate | 11/04/2024 |  |  | 1 D A | N/A | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700058 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700059 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700060 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700061 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700062 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700063 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-02): Buyer to review<br>Seller Comment (2024-01-02): S&D Reason - validate with Investor.<br>Reviewer Comment (2023-12-29): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2023-12-26): PCCD & Cure |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619951 | XX | XX | XX | 33700064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted]([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700065 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-01-02): Received LOE and PCCD |  | 01/02/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619951 | XX | XX | XX | 33700066 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Final Title is marked as missing |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700067 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lender only listed on documentation provided |  |  |  | Reviewer Comment (2023-12-27): [Redacted] guidelines only require ISAOA when lender and servicer differ, this is not the case; however, defer to buyer for review<br>Seller Comment (2023-12-26): Agency guidelines only require ISAO when the Lender & Servicer are not one in the same - this is not the case for Pennymac. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619951 | XX | XX | XX | 33700068 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A |  | D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700070 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-14): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700071 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2023-12-29): Loan is a Higher Priced Mortgage loan and appraisal was not obtained<br>Seller Comment (2023-12-26): S&D Reason - loan is not High Cost. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700072 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700073 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2023-12-29): Loan is a Higher Priced Mortgage loan and appraisal was not obtained<br>Seller Comment (2023-12-26): S&D Reason - loan is not High Cost. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700074 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700075 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700076 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-02): Client to review<br>Seller Comment (2024-01-02): S&D Reason - Validate with Investor and clear the applicable citations.<br>Reviewer Comment (2023-12-29): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of 0[redacted], this would put the standard cure expiration at 0[redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2023-12-26): Please disregard previous upload and see correct PCCD & Cure<br>Seller Comment (2023-12-26): S&D Reason - PCCD & Cure |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619952 | XX | XX | XX | 33700077 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2023-12-29): Buyer to review<br>Seller Comment (2023-12-27): Please assign to buyer<br>Reviewer Comment (2023-12-27): Lender and servicer are one in the same, move to buyer to review for acceptance of policy without ISAOA<br>Seller Comment (2023-12-26): ISAOA is only required when the Lender and Servicer are not one in the same. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619952 | XX | XX | XX | 33700078 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700080 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): Note - Senior Lien provided, Exception Cleared<br>Seller Comment (2023-12-27): [redacted]- 1st Lein | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700081 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700082 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): Loan is HPML<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700083 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700084 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2024-01-02): HMPL loan missing appraisal<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700085 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700086 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619953 | XX | XX | XX | 33700087 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - please escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see attached cures |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619953 | XX | XX | XX | 33700088 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619954 | XX | XX | XX | 33700090 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): Note - Senior Lien provided, Exception Cleared<br>Seller Comment (2023-12-27): 1st Lein | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619954 | XX | XX | XX | 33700092 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619954 | XX | XX | XX | 33700093 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619954 | XX | XX | XX | 33700094 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - please escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - cure attached |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619954 | XX | XX | XX | 33700095 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted]High Cost (cured) |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619955 | XX | XX | XX | 33700097 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-01-05): received first lien info from servicer<br>Seller Comment (2024-01-04): 1st Lien attached.<br>Reviewer Comment (2024-01-02): First lien not provided<br>Seller Comment (2024-01-02): 1st Lien Info | 01/05/2024 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619955 | XX | XX | XX | 33700099 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619955 | XX | XX | XX | 33700100 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619955 | XX | XX | XX | 33700101 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - please escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted] so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see cure docs |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619955 | XX | XX | XX | 33700102 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Not checked in final CD |  |  |  | Reviewer Comment (2024-01-02): Received PC CD and LOE<br>Seller Comment (2024-01-02): See PCCD uploaded with the box checked accordingly. |  | 01/02/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223619955 | XX | XX | XX | 33700103 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance shortfall calculated is $[redacted]. Guidelines state coverage to be a minimum of [redacted]% replacement cost |  |  |  | Reviewer Comment (2024-01-19): Received RCE showing $[redacted] - this is still a shortfall of $[redacted]; however, updated coverage has been provided dated 1 month post closing and is sufficient. moved to buyer queue to review for waive and downgrade<br>Seller Comment (2024-01-18): RCE<br>Reviewer Comment (2024-01-16): Policy dated [redacted] has been provided and has sufficient coverage. Moved to buyer queue to accept sufficient coverage post closing<br>Seller Comment (2024-01-16): Policy with [redacted] additional coverage.<br>Reviewer Comment (2024-01-05): received updated/current policy with coverage of [redacted] showing replacement cost coverage, defer to buyer. Coverage at [redacted] is still short [redacted]<br>Seller Comment (2024-01-04): See updated policy that includes Replacement Cost Coverage |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619955 | XX | XX | XX | 33700104 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-14): S&D Reason |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700105 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700106 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ |  |  |  |  | Reviewer Comment (2024-01-04): Closed end second<br>Seller Comment (2024-01-03): This is a CES - title searches are provided not standard title policies. Coverage amount is not provided and this citation is invalid. Refer to the CES profile and confirm with the investor.<br>Reviewer Comment (2024-01-02): No evidence of title coverage or certificate showing coverage amount<br>Seller Comment (2024-01-02): This is a CES - title searches are provided not standard title policies. Coverage amount is not provided and this citation is invalid. | 01/04/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700108 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): Loan is non-compliant is due to missing appraisal<br>Seller Comment (2024-01-02): S&D Reason - see cure docs |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700109 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-19): This is not related to the High cost failure, but rather loan is HMPL and appraisal was not obtained<br>Seller Comment (2024-04-19): High Cost Opinion Letter |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700110 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700111 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-04-25): received proof of payoff | 04/25/2024 |  |  | 1 B A C | B | A C B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619956 | XX | XX | XX | 33700112 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted])([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) |  |  |  |  | Reviewer Comment (2024-04-25): received proof of payoff | 04/25/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700113 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700114 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI exceeds due to less income |  |  |  | Reviewer Comment (2024-04-25): Received proof of payoff prior to closing<br>Seller Comment (2024-04-24): The Ally Bank loan was paid off prior to closing.<br>Seller Comment (2024-04-24): The Ally Bank loan for $[redacted] was paid off prior to closing.<br>Reviewer Comment (2024-01-04): Both of the referenced liabilities were not included as they are paid at closing. Remaining consumer debt $[redacted]per month. [redacted]open accounts ([redacted], [redacted], [redacted]).<br>Seller Comment (2024-01-02): Per the Loan Asset Summary, our income calculations align and the difference is liabilities - [redacted]2838.05 vs AMC $[redacted]. Provide the liabilities clarification. The Final CD is paying off two debts at closing - [redacted]and should not be included in the total liabilities. | 04/25/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619956 | XX | XX | XX | 33700115 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-04-25): received proof of payoff | 04/25/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619957 | XX | XX | XX | 33700116 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured). |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619957 | XX | XX | XX | 33700118 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619957 | XX | XX | XX | 33700119 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619957 | XX | XX | XX | 33700120 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-03): S&D Reason - confirm with buyer.<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see attached cures |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223619957 | XX | XX | XX | 33700122 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-01-04): Exception does not pertain to [Redacted] requirements. Investor consideration required for loans being purchased to ensure proper coverage. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-03): [Redacted] does not require ISAOA language when the lender & servicer are the same. Citation is not valid. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700123 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700125 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ <br> State: ___ |  |  |  |  | Reviewer Comment (2024-01-05): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-04): Title search will not have a coverage amount, it's a title search. Review the product profile provided and escalate to buyer.<br>Reviewer Comment (2024-01-02): Missing title certificate showing coverage amount or evidence of title insurance amount<br>Seller Comment (2024-01-02): Title search will not have a coverage amount, it's a title search. This is an invalid request.<br>Reviewer Comment (2023-12-27): Missing coverage amount on title search provided<br>Seller Comment (2023-12-26): CES - we don't issue standard prelim title policies. This request is invalid. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700126 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2024-01-02): document received<br>Seller Comment (2024-01-02): CES - refer to the applicable product profile, you will not have a copy of the 1st lien Note on port loans.<br>Reviewer Comment (2023-12-27): 1st lien note, not received<br>Seller Comment (2023-12-26): 1st Lien | 01/02/2024 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700127 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700128 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700129 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700130 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-29): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/29/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700131 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-29): High cost finding cured.<br>Seller Comment (2024-04-25): LOE | 04/29/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700132 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-29): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-02): Buyer to review<br>Seller Comment (2024-01-02): S&D Reason - Validate with Investor and clear the applicable citations.<br>Reviewer Comment (2023-12-29): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted]Rev Stat [redacted].<br>Seller Comment (2023-12-26): S&D Reason - PCCD & Refund |  | 04/29/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619958 | XX | XX | XX | 33700133 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: [redacted] High Cost (cured). |  |  |  | Reviewer Comment (2023-12-17): S&D reason |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700134 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Counseling Requirement) | [redacted] High-Cost Loan: Proof of counseling from HUD-approved nonprofit credit counselor not obtained. | Home-Ownership Counseling Certificate is not in the loan file. |  |  |  | Reviewer Comment (2024-04-29): High cost finding cured. | 04/29/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700135 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required income documentation . |  | Missing letter documenting income and one month's most recent bank statement as required for pension income as required by guidelines |  |  |  | Reviewer Comment (2024-01-02): Received pension documentation with guideline clarification<br>Seller Comment (2024-01-02): The bullet points are "or" not "and". Both are not required.<br>Reviewer Comment (2023-12-27): this is required per guidelines Consumer Direct Lending, Closed-End Second (CES), Stand-Alone Manual Underwrite, [redacted]3; under section Income: 401K, Retirement, Pension, Annuity<br>Seller Comment (2023-12-26): Please re-state the guideline being referenced. [Redacted] B3[redacted] does not require both. | 01/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700136 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing required docs for pension income documentation |  |  |  | Reviewer Comment (2024-01-02): Received pension documentation with guideline clarification | 01/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700137 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing income documentation required by guidelines for pension income. |  |  |  | Reviewer Comment (2024-01-02): Received pension documentation with guideline clarification | 01/02/2024 |  |  | 1 B A C | B | A C B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223619958 | XX | XX | XX | 33700138 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing income documentation required by guidelines for pension income. |  |  |  | Reviewer Comment (2024-01-02): Received pension documentation with guideline clarification | 01/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619958 | XX | XX | XX | 33700139 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing income documentation required by guidelines for pension income. |  |  |  | Reviewer Comment (2024-01-02): Received pension documentation with guideline clarification | 01/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619959 | XX | XX | XX | 33700140 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-17): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619959 | XX | XX | XX | 33700143 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619959 | XX | XX | XX | 33700144 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619959 | XX | XX | XX | 33700145 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see cures attached |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 223619959 | XX | XX | XX | 33700147 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is short $[redacted]. Coverage of $[redacted], appraised value of $[redacted]and loan amount of subject lien is $[redacted] and 1st lien is $[redacted] |  |  |  | Reviewer Comment (2023-12-27): Received HOI policy reflecting replacement cost upto [redacted]%, Exception Cleared.<br>Seller Comment (2023-12-27): HOI policy attached indicates replacement cost coverage up to [redacted]% - sufficient coverage | 12/27/2023 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619960 | XX | XX | XX | 33700148 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619960 | XX | XX | XX | 33700150 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): document received<br>Seller Comment (2023-12-27): 1st Lein | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619960 | XX | XX | XX | 33700152 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619960 | XX | XX | XX | 33700153 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 223619960 | XX | XX | XX | 33700154 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - cure docs attached |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619960 | XX | XX | XX | 33700155 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-01-03): [Redacted] received PCCD, LOE and payment history dated prior to the discovery date.<br>Seller Comment (2024-01-02): See PCCD uploaded under the other citation. | 01/03/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619960 | XX | XX | XX | 33700156 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Reviewer Comment (2024-01-05): Received first lien note<br>Seller Comment (2024-01-04): 1st Lien Note<br>Reviewer Comment (2024-01-02): Please provide first lien note, actual note is missing<br>Seller Comment (2024-01-02): Pennymac purchased the 1st Lien, we did not originate it. As such, this citation is invalid. | 01/05/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Non QM | Yes |
| 223619961 | XX | XX | XX | 33700157 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700159 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  | Reviewer Comment (2023-12-18): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700160 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2023-12-27): received updated policy with ISAOA<br>Seller Comment (2023-12-27): policy uploaded | 12/27/2023 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700161 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): HPML loan<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid, see cure attached. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700162 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700163 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  |  | Reviewer Comment (2024-01-02): HPML loan without appraisal<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid, see cure attached. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700164 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700165 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700166 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-22): High cost finding cured. | 04/22/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619961 | XX | XX | XX | 33700167 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-22): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - Escalate to Buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see cure attached |  | 04/22/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619961 | XX | XX | XX | 33700168 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-01-03): [Redacted] received PCCD dated [redacted] along with payment history and LOE.<br>Seller Comment (2024-01-02): Cure docs<br>Seller Comment (2024-01-02): See attached PCCD uploaded | 01/03/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619961 | XX | XX | XX | 33700169 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-01-03): [Redacted] received PCCD dated [redacted] along with payment history and LOE.<br>Seller Comment (2024-01-02): Cure docs<br>Seller Comment (2024-01-02): See attached PCCD uploaded | 01/03/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619961 | XX | XX | XX | 33700170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): document received<br>Seller Comment (2023-12-27): 1st Lein | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700173 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700174 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700175 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700176 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700177 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700178 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - escalate to buyer<br>Seller Comment (2024-01-03): S&D Reason - see attached cures |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619962 | XX | XX | XX | 33700179 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured) |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619962 | XX | XX | XX | 33700180 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [redacted].; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-01-04): FSD is invalid as it is higher than [redacted].<br>Seller Comment (2024-01-03): AVM provided shows an FSD of [redacted]% - please clarify<br>Seller Comment (2024-01-03): S&D Reason - see attached cures |  |  |  | 3 D A | N/A | D |  | NJ | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700182 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700183 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-19): This exception is not related to the high cost failure, loan is HPML and appraisal was not obtained<br>Seller Comment (2024-04-19): High Cost Opinion Letter |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700184 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2024-01-04): Loan is HPML, appraisal required but not obtained at origination. Moving to buyer queue.<br>Seller Comment (2024-01-03): S&D Reason - see cure docs |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700185 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700186 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured). |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700187 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2023-12-29): received cert showing coverage amount<br>Seller Comment (2023-12-28): Title | 12/29/2023 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619963 | XX | XX | XX | 33700188 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Dec page provided, only shows lender |  |  |  | Reviewer Comment (2024-01-04): Exception does not pertain to [Redacted] requirements. Investor consideration required for loans being purchased to ensure proper coverage. Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-04): [Redacted] does not require ISAOA when the Lender & Servicer are one in the same. Citation is invalid. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700189 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700190 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted] High Cost (cured). |  |  |  | Reviewer Comment (2023-12-15): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700191 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-01-02): Moved to buyer queue for review<br>Seller Comment (2024-01-02): Not required when the Lender & Servicer are one in the same. |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700193 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  |  |  | Reviewer Comment (2023-12-27): document received<br>Seller Comment (2023-12-27): 1st Lein | 12/27/2023 |  |  | 1 D A | D | A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700194 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2024-01-02): Corrected fees.<br>Seller Comment (2024-01-02): Loan is a CES, and showing Cash To Borrower - where are you seeing assets required? | 01/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700195 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-01-02): HPML loan, non compliant due to no appraisal<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid, see cure attached. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700196 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700197 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained by physical visit to property. |  |  |  |  | Reviewer Comment (2024-01-02): HPML loan without appraisal<br>Seller Comment (2024-01-02): Loan is QM - and compliance HPML. Request is invalid, see cure attached. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700198 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) New Jersey High-Cost Loan (Borrower Notice Not Provided) | [redacted] High-Cost Loan: Notice to Borrower not provided to borrower. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured.<br>Seller Comment (2024-04-19): High Cost Opinion Letter | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700199 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) New Jersey High-Cost Loan (Financed Fees Exceeds Threshold) | [redacted] High-Cost Loan: Lender financed points and fees in excess of [redacted]% of the total loan amount. |  |  |  |  | Reviewer Comment (2024-04-23): High cost finding cured. | 04/23/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619964 | XX | XX | XX | 33700200 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) New Jersey High-Cost Loan (Points and Fees) | [redacted] Home Ownership Security Act: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted] on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2024-04-23): [Redacted] received LOE to borrower, copy of ledger showing principal reduction was applied to the loan balance, legal opinion letter with details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure. (2) procedures or explanation of controls in place to prevent such errors, and client written approval accepting use of the bona fide error cure.<br>Reviewer Comment (2024-01-04): Moved to buyer queue per seller request. Cure provided outside of timing requirements.<br>Seller Comment (2024-01-04): S&D Reason - escalate to buyer<br>Reviewer Comment (2024-01-02): In order to use the standard cure provision available for [redacted] high-cost loans, which would have required an LOE, copy of check, and proof delivery, the cure must be made within [redacted] days of closing. Given the closing date of [redacted], this would put the standard cure expiration at [redacted], so the loan is not eligible for a standard cure for the [redacted] State high cost exceptions. [redacted] Rev Stat [redacted].<br>Seller Comment (2024-01-02): S&D Reason - see cures attached |  | 04/23/2024 |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | Within 45 days of closing, provide: (1) Letter of Explanation; (2) refund of amount over the covered loan threshold maximum; and (3) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 365 days of closing, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. D | Non QM | Non QM | Yes |
| 223619965 | XX | XX | XX | 33700202 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D-Agency disagrees with use of comps |  |  |  | Reviewer Comment (2024-01-12): S&D |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700203 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700204 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700205 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700208 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property is rural on [redacted] acres; area is [redacted]% residential and [redacted]% vacant lots/land. |  |  |  | Reviewer Comment (2024-01-29): Moved to buyer queue for approval and downgrade consideration.<br>Seller Comment (2024-01-29): Hello - is this for the buyer to review? |  |  |  | 3 C | C | C |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700209 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | Comparable adjustments for gross are [redacted]% to [redacted]% and net adjustments of [redacted]% to [redacted]% |  |  |  | Reviewer Comment (2024-01-12): S&D reason |  |  |  | 3 C | C | C |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619965 | XX | XX | XX | 33700210 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For investor consideration - The appraisal shows [redacted] parcels, appears value was given to both. Two different tax certs ([redacted] for each property) and [redacted] with subject property address and no acres listed, while other shows [redacted] acres and address of [redacted]. Land appraisal in file shows [redacted] acres with value of [redacted]. Appears the 1004 appraisal of [redacted] incorporates this value. |  |  |  | Seller Comment (2024-01-30): moving to buyer queue<br>Seller Comment (2024-01-29): Hello - is this for the buyer to review? The disclosed defect on this loan was the appraisal and comps. |  |  |  | 3 C | C | C |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619966 | XX | XX |  | 33700212 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the First Change frequency. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700213 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table First Change Limit | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the First Change Limit. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700214 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Initial Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Initial Interest Rate. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700215 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Interest Rate Adjustments | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Interest Rate Adjustments. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700216 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Maximum Interest Rate. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700217 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Minimum Interest Rate. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700219 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment ARM | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700220 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 01/29/2024 |  | 1 A | A | A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700221 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700222 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Subsequent Changes frequency. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700223 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AIR Table Subsequent Change Limit | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on [redacted] did not disclose the Subsequent Changes Limit. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700224 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700225 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC |  |  |  | 02/21/2024 | 2 C B | C | B C |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619966 | XX | XX |  | 33700226 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700227 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] incorrectly disclosed the Subsequent Changes period according to the disclosed Loan Product. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700228 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] did not disclose whether the loan contains Interest Only Payments. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700229 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [redacted] disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700231 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the Principal and Interest Payment can change. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700232 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223619966 | XX | XX |  | 33700234 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B |  | B |  | FL | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619967 | XX | XX | XX | 33700235 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Property: LPA loan, property was a C5 on the first appraisal which is ineligible for FHLMC, 2nd appraisal changed conidtion to C4 and completed appraisal "as is" while the appraisal notes the interior is fair/poor with missing drywall, worn floors, water stains, black stains in one photo on celing, potential water intrusion in family room, damaged cabinets. The loan should not have been allowed to go LPA, we delivered 2 appraisals with no justification for 2nd appraisal revisions to make the condition a C4 as required by the selling guide. |  |  |  | Reviewer Comment (2024-02-01): Reason for S&D. |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619967 | XX | XX | XX | 33700236 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619967 | XX | XX | XX | 33700238 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial Escrow Disclosure reflects $[redacted], whereas actual is $[redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM | Non QM | Yes |
| 223619967 | XX | XX | XX | 33700240 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation mismatch between loan data and compliance |  |  |  |  |  |  |  | 3 B C | B | B C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Non QM | Yes |
| 223619967 | XX | XX | XX | 33700241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | qualified with basic income |  |  |  | Reviewer Comment (2024-02-12): Reason for S&D. |  |  |  | 3 C | C | C |  | VA | Primary | Purchase | C B A | Safe Harbor QM | Non QM | No |
| 223619967 | XX | XX | XX | 33700242 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment not matching |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Non QM | Yes |
| 223619968 | XX | XX |  | 33700245 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223619968 | XX | XX |  | 33700246 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619968 | XX | XX |  | 33700247 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619969 | XX | XX |  | 33700248 |  | Credit | Disclosure/Notification | General | Disclosure/Notification | The Final Net Tangible Benefits Test (NTB) Disclosure of the Net Tangible Benefit, Loan Comparison, and Estimate of the Home Equity Being Removed From the Home was missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619969 | XX | XX |  | 33700249 |  | Credit | Document Error | General | Document Error | VA Loan Analysis Worksheet Form 26-6393 is not compliant. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619969 | XX | XX |  | 33700250 |  | Credit | Disclosure/Notification | General | Disclosure/Notification | The Initial Net Tangible Benefits Test (NTB) Disclosure was not provided within three days of the application date. |  |  |  |  |  |  |  |  |  | 3 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619969 | XX | XX |  | 33700252 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [redacted]). The disclosed Total of Payments in the amount of $[redacted]is under disclosed by $[redacted] compared to the calculated total of payments of $[redacted] which exceeds the $[redacted] threshold. |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 223619969 | XX | XX |  | 33700253 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619969 | XX | XX |  | 33700254 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619969 | XX | XX |  | 33700255 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223619969 | XX | XX |  | 33700256 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223619970 | XX | XX |  | 33700257 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700258 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700259 |  | Credit | Document Error | General | Document Error | VA - Veteran's Statement - Initial was not provided to the veteran within 3 business days of application. |  |  |  |  |  |  |  |  |  | 3 B | B | B |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700261 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700262 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No DTI Provided | Ability to Repay (Dodd-Frank [redacted]): No debt to income ratio (or a negative or [redacted] ratio) was provided to demonstrate ability to repay. |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700263 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700264 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: %, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Refinance, Streamlined |  |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619970 | XX | XX |  | 33700266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  |  |  |  |  |  | 3 B C | B | B C |  | CA | Primary | Refinance - Streamlined | Lender to provide updated ATR/QM status C | Non QM | ATR Fail | Yes |
| 223619970 | XX | XX |  | 33700267 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Streamlined | C A | Non QM | ATR Fail | No |
| 223619971 | XX | XX | XX | 33700268 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D:SFD purchase with 2 ADU's on site. Prior to closing UW leadership received the ok from HUD to proceed. It was not disclosed to HUD that the property is zoned SF. Not insured |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700269 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Lead Based Paint Attachment was provided at or after closing. | - Provided Date: ___; Consummation Date: ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700270 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within [redacted] days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700271 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within [redacted] business days of the loan application. |  |  |  |  |  | Reviewer Comment (2024-03-04): Document received, exception cleared.<br>Seller Comment (2024-03-04): Informed Choice Disclosure was issued on [redacted] and signed by borrower on [redacted] | 03/04/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700272 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer (92900-B) was not provided within [redacted] days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700273 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA Conditional Commitment DE Statement of Appraised Value ([redacted]) is missing. |  |  |  |  |  | Reviewer Comment (2024-03-04): Document received, exception cleared.<br>Seller Comment (2024-03-04): [redacted]B attached | 03/04/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700274 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted] % Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 223619971 | XX | XX | XX | 33700278 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal re-inspection fee was not disclosed on the original Loan Estimate creating a required cure in the amount of $[redacted], which was provided.. |  |  |  | Reviewer Comment (2024-02-16): Sufficient Cure Provided At Closing |  | 02/16/2024 |  | 1 A | A | A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223619971 | XX | XX | XX | 33700280 |  | Credit | Insurance | Insurance Eligibility | Insurance | Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured |  |  |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619971 | XX | XX | XX | 33700281 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Property consists of SFR with 2 ADUs and is zoned Single Family Residential |  |  |  | Reviewer Comment (2024-02-19): S&D defect |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700282 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D:14 no lates paystring - Dark mark on ceiling, appears to be mold |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700283 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 D A | N/A | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700285 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-12): Appraisal was updated and original appraisal was not provided to borrower 3 business days prior to closing<br>Seller Comment (2024-03-04): Non QM |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700286 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal was updated and original appraisal was not provided to borrower [redacted] business days prior to closing |  |  |  | Reviewer Comment (2024-03-12): Appraisal was updated and original appraisal was not provided to borrower 3 business days prior to closing<br>Seller Comment (2024-03-04): Apprsl |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700287 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. (|  |  |  | Reviewer Comment (2024-03-05): [Redacted] received PCCD. Missing LOE to borrower.<br>Seller Comment (2024-03-04): PCD |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619972 | XX | XX | XX | 33700288 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is rural and zoned Grand Ronde Commercial and water is Community (not public or well). The subject's family room and 1 bathroom have ceiling heights less than 7 feet and therefore to meet ANSI standards, these areas have been excluded. |  |  |  |  |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700289 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. |  | Photos of property, show dark mark on ceiling and some peeling paint. |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619972 | XX | XX | XX | 33700290 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Comparables or Comparable adjustments are unreasonable for the value being supported |  | The comparables have gross adjustments from [redacted]% - [redacted]%, this is mainly due to size and room count. Subject consists of [redacted] bedrooms and [redacted] bathrooms |  |  |  |  |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619973 | XX | XX | XX | 33700291 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 D A | N/A | N/A D |  | MD | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619973 | XX | XX | XX | 33700292 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted]and $[redacted]([redacted]) (an overage of $[redacted]or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C | Non QM | Non QM | Yes |
| 223619973 | XX | XX | XX | 33700293 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-01): Sufficient Cure Provided At Closing |  | 03/01/2024 |  | 1 A | A | A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223619973 | XX | XX | XX | 33700294 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | This information is not provided in the loan file. |  |  |  |  |  |  |  | 2 C B | C | B C |  | MD | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619973 | XX | XX | XX | 33700295 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: DTI [redacted]%- Additional property |  |  |  | Reviewer Comment (2024-03-04): S&D reason |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619973 | XX | XX | XX | 33700296 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: AVM report date not provided. |  | Only page 1 of the AVM is provide, date and vender name is not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700299 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Occupancy - NOO vs OO |  |  |  | Reviewer Comment (2024-02-20): S&D |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700300 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700301 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). |  |  |  |  | Reviewer Comment (2024-04-04): Client elects to waive. |  |  | 04/04/2024 | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Non QM | Yes |
| 223619974 | XX | XX | XX | 33700302 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-02-19): Sufficient Cure Provided At Closing |  | 02/19/2024 |  | 1 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223619974 | XX | XX | XX | 33700303 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-04-10): Fully executed 4506-C provided. Data and testing updated. | 04/10/2024 |  |  | 1 B A C | B | A C B |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Non QM | Non QM | Yes |
| 223619974 | XX | XX | XX | 33700304 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Unable to verify Sole Proprietorship income using reasonably reliable third-party records. ([redacted],[redacted] Reporting/Schedule C) |  |  |  | Reviewer Comment (2024-04-10): Corrected data entry for this employment. New exception opened.<br>Reviewer Comment (2024-04-08): Loan was reviewed as Non-QM per instructions, Appendix Q is applicable<br>Seller Comment (2024-04-04): Appendix Q was replaced and the final rule now allows lenders that use certain verification standards of the GSEs or certain federal agency lenders.<br>Reviewer Comment (2024-04-03): Unsigned returns do not meet ATR<br>Seller Comment (2024-04-02): Schedule C borrower. Unsigned returns are acceptable, when a 4506C is provided.<br>Seller Comment (2024-04-02): Unsigned returns are acceptable, when a 4506C is provided.<br>Reviewer Comment (2024-03-25): For ATR, there must be a third party verification of income, the exception is for income, provide signed returns<br>Seller Comment (2024-03-15): I believe the reviewer may be thinking of income vs employment. Per the attached [Redacted] guidelines, employment can be verified by using the internet.<br>Reviewer Comment (2024-03-12): One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099<br>Seller Comment (2024-03-12): Please see attached business license printed on [redacted] | 04/10/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700305 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2024-04-10): Fully executed 4506-C provided. Data and testing updated. | 04/10/2024 |  |  | 1 A | A | A |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700306 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2024-03-06): [Redacted] received disclosure tracking for initial CD.<br>Seller Comment (2024-03-04): ICD | 03/06/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-03-12): P&I updated on first lien.<br>Seller Comment (2024-03-12): I reviewed your LAS report and it appears the discrepancy is in the first lien mortgage payment. You have indicated $[redacted], however, per the first lien mortgage statement attached the PI is only $[redacted]. | 03/12/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700308 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2024-03-12): P&I updated on first lien.<br>Seller Comment (2024-03-12): I reviewed your LAS report and it appears the discrepancy is in the first lien mortgage payment. You have indicated $[redacted], however, per the first lien mortgage statement attached the PI is only $[redacted]. | 03/12/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700309 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | waterfall condition due to ATR fail. |  |  |  | Reviewer Comment (2024-03-12): P&I updated on first lien.<br>Seller Comment (2024-03-12): I reviewed your LAS report and it appears the discrepancy is in the first lien mortgage payment. You have indicated $[redacted], however, per the first lien mortgage statement attached the PI is only $[redacted]. | 03/12/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619974 | XX | XX | XX | 33700310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | Updated exception reflecting correct income type. |  |  |  | Reviewer Comment (2024-04-10): Fully executed 4506-C provided. Data and testing updated. | 04/10/2024 |  |  | 1 A |  | A |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619975 | XX | XX | XX | 33700311 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The hazard information in the file is the updated insurance binder showing that the property is still covered. We are missing the original hazard information |  |  |  | Reviewer Comment (2024-03-05): Received Hazard Insurance Policy with Effective Date [redacted], Exception cleared.<br>Seller Comment (2024-03-05): HOI | 03/05/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-02-19): S&D reason |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700313 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation mismatch between loan data and compliance |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 B C | B | B C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | ATR Fail | Yes |
| 223619975 | XX | XX | XX | 33700314 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | One of the following missing documents/combinations is required for this income source: 1) Most recent K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700315 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted]% | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | One of the following missing documents/combinations is required for this income source: 1) Most recent K-1 and most recent tax transcripts; 2) Most recent K-1 and most recent signed, dated 1040s; 3) Audited YTD P&L |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700316 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax transcripts; 5) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700317 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax transcripts; 5) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700318 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank [redacted]): Unable to verify S-Corp income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax transcripts; 5) Most recent signed, dated 1120S returns |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700319 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700320 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Missing income documentation |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 1 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700321 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | S&D Reason: [redacted] and [redacted]1040's in file not signed |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619975 | XX | XX | XX | 33700323 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | partial screenshot provided of AVM, missing date and comparables |  |  |  | Reviewer Comment (2024-03-05): AVM uploaded, exception cleared.<br>Seller Comment (2024-03-05): Full appraisal was done | 03/05/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700324 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-04): QM |  |  |  | 2 C B | C | B C |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700325 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-03-12): Missing appraisal, required for HPML loans<br>Seller Comment (2024-03-04): QM |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700326 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-03-12): Missing appraisal, required for HPML loans<br>Seller Comment (2024-03-04): QM |  |  |  | 2 C B | C | B C |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700327 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | One or more of the following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than [redacted] days prior to Note Date); |  |  |  | Reviewer Comment (2024-04-02): S&D<br>Seller Comment (2024-03-28): Sorry, to clarify. This is the S&D reason. Please clear or confirm with investor.<br>Seller Comment (2024-03-28): That's an invalid comment. Our [redacted] profile, uses [redacted] as the basis. Which allows for a SE VVOE of : third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible. We've provided a printout prior to closing and within [redacted] days for the SOS website, which is the applicable licensing bureau. Clear the condition.<br>Reviewer Comment (2024-03-12): One or more of the following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099<br>Seller Comment (2024-03-04): 4506<br>Seller Comment (2024-03-04): VOE |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing third party verification |  |  |  | Reviewer Comment (2024-04-02): S&D<br>Reviewer Comment (2024-03-12): One or more of the following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099<br>Seller Comment (2024-03-04): QM |  |  |  | 3 B C | B | B C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D B C | Non QM | ATR Fail | Yes |
| 223619976 | XX | XX | XX | 33700329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 |  |  |  | Reviewer Comment (2024-04-02): S&D<br>Seller Comment (2024-03-28): Sorry, to clarify. This is the S&D reason. Please clear or confirm with investor.<br>Seller Comment (2024-03-28): That's an invalid comment. Our CES profile, uses [Redacted] as the basis. Which allows for a SE VVOE of : third party, such as a CPA, regulatory agency, or the applicable licensing bureau, if possible. We've provided a printout prior to closing and within [redacted] days for the SOS website, which is the applicable licensing bureau. Clear the condition.<br>Reviewer Comment (2024-03-12): One or more of the following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than [redacted]days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099<br>Seller Comment (2024-03-04): VOE |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700331 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Not checked on page 4 |  |  |  | Reviewer Comment (2024-03-05): [Redacted] Received CD dated [redacted] with required correction; however, correction should be made on PCCD dated after closing date[redacted] Provide PCCD and LOE dated after closing date [redacted]<br>Seller Comment (2024-03-04): CD |  |  |  | 2 C B | C | B C |  | OR | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | ATR Fail | Yes |
| 223619976 | XX | XX | XX | 33700332 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | signed 4506C |  |  |  | Reviewer Comment (2024-02-20): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619976 | XX | XX | XX | 33700333 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D B C | Non QM | ATR Fail | No |
| 223619977 | XX | XX | XX | 33700334 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700335 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: DTI [redacted]% - Miscalculation of income |  |  |  | Reviewer Comment (2024-02-19): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700336 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-14): updated based on SOL<br>Seller Comment (2024-02-29): Loan is QM - Rebuttable Presumption. |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700337 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700338 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  |  | Reviewer Comment (2024-03-14): updated based on SOL<br>Seller Comment (2024-02-29): Appraisal not required. Loan is QM - Rebuttable Presumption. |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700339 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  |  |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-03-01): Sufficient cure provided. Full cure amount for tolerance violation was provided after closing and before discovery date.<br>Seller Comment (2024-02-29): Please see attached | 03/01/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223619977 | XX | XX | XX | 33700341 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: AVM report date not provided. |  | Incomplete missing full report received screen shot and missing date |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700342 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | For IRA Distribution income, guidelines require letters from organization providing income, copies of award letters, tax transcripts or signed income tax returns, 1099 forms and proof of current receipt using most recent bank statement. Documentation provided includes most recent bank statement and recent thrift savings account statement only. Exclusion of IRA income equates to a [redacted]% DTI |  |  |  | Reviewer Comment (2024-03-13): Updated pension income as per 1040 ($[redacted]/[redacted] = $[redacted], exception cleared.<br>Seller Comment (2024-03-12): We have re-calculated the income (see notes below) and we believe the DTI is [redacted]% using three sources of income for B1: Annuity/SSI $[redacted], IRA Distribution $[redacted]and VA Benefits $[redacted]. Borrower's revised qualifying income is $[redacted], total revised income $[redacted], revised DTI is [redacted]%.<br>B1: Annuity<br> DOCS IN FILE: <br> [redacted] indexed with SS Letter/12 = $[redacted]<br> Payer is [redacted]-[redacted]<br> [redacted] - NET deposit is $[redacted](OPM1 treas) <br> [redacted] - NET deposit is $[redacted] (OPM1 treas) <br>B2: $[redacted] - IRA distribution <br> DOCS IN FILE <br> [redacted] 1040s report this as pension/annuity of [redacted] = $[redacted]. - <br> 1099 R "form", page [redacted] of 1040s <br> Payer is [redacted] #52-[redacted] - distribution code 2 <br> Code 2: Early distribution, exception applies.<br> [redacted] deposit is $[redacted]([redacted] TREAS) <br> [redacted] deposit is $[redacted] ([redacted] TREAS) <br> [redacted] bank statement is indexed with [redacted], month 2<br> $[redacted] in withdrawals from [redacted] - [redacted] | 03/13/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223619977 | XX | XX | XX | 33700346 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-03-01): Sufficient Cure Provided within [redacted]Days of Closing |  | 03/01/2024 |  | 1 A |  | A |  | FL | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | Non QM | Non QM | Yes |
| 223619978 | XX | XX | XX | 33700347 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | DTI [redacted] |  |  |  | Reviewer Comment (2024-02-23): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619978 | XX | XX | XX | 33700348 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Not signed by borrower |  |  |  | Reviewer Comment (2024-03-06): [Redacted] received tracking for initial CD.<br>Seller Comment (2024-03-04): Please see attached disclosure tracking. Initial CD was received by borrower on [redacted]. Waiting period is not required as the APR did not change by more than . [redacted]% | 03/06/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | ATR Risk | No |
| 223619978 | XX | XX | XX | 33700350 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619978 | XX | XX | XX | 33700351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 B C | B | B C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619978 | XX | XX | XX | 33700352 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Excessive DTI, used [redacted]% of student loan balance as payment, included [redacted] lease and MI on first lien for subject. |  |  |  | Reviewer Comment (2024-03-25): S&D<br>Reviewer Comment (2024-03-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>Reviewer Comment (2024-03-13): DTI still exceeding [redacted] hence unable to clear exception.<br>Seller Comment (2024-03-12): Regarding the student loans: The loans with balances $[redacted]and $[redacted]belong to [redacted]. They were consolidated and the payment is $[redacted]. The loan with the balance $[redacted]belongs to [redacted] and at the time of closing the payment was $[redacted]. <br> Regarding the [redacted] lease: At the time of closing the payment was $[redacted].<br> If $[redacted]and $[redacted]are added to the liabilities, using your income, the DTI should be [redacted]%.<br>Seller Comment (2024-03-12): Regarding the student loans: The loans with balances $[redacted] and $[redacted]belong to [redacted]. They were consolidated and the payment is $[redacted]. The loan with the balance $[redacted] belongs to Jeryme and at the time of closing the payment was $[redacted]. <br> Regarding the [redacted] lease: At the time of closing the payment was $[redacted].<br> If $[redacted] and $[redacted]are added to the liabilities, using your income, the DTI should be [redacted]%. |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619978 | XX | XX | XX | 33700353 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall condition due to DTI failure |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619978 | XX | XX | XX | 33700354 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Excessive DTI, used [redacted]% of student loan balance as payment, included [redacted] lease and MI on first lien for subject. |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | ATR Risk | No |
| 223619979 | XX | XX | XX | 33700355 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2024-03-05): Hazard Insurance Policy is effective at the time of Disbursement date, Exception cleared.<br>Seller Comment (2024-03-04): Attached HOI has an effective date of [redacted]. Loan disbursed on [redacted]. Policy is in effect at time of closing. | 03/05/2024 |  |  | 1 C A | C | A C |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700356 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-29): Restated designation | 03/29/2024 |  |  | 1 C A | C | A C |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700357 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-03-29): Restated designation<br>Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-11): Loan is QM Rebuttable Presumption & QM Safe Harbor. Please see attached | 03/29/2024 |  |  | 1 B A | B | A B |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700358 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-03-29): Restated designation<br>Seller Comment (2024-03-28): Higher Priced QM<br>Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-04): Appraisal not required. Loan is QM - | 03/29/2024 |  |  | 1 C A | C | A C |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700359 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Per LOX and 1003 in file borrower employed with current employer since [redacted] borrower does not have [redacted]months employment with employment income being used to qualify. SSI and Pension income also used to qualify |  |  |  | Reviewer Comment (2024-02-20): S&D |  |  |  | 2 B | B | B |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700360 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. 2 AVM's with the same Model Name were entered. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | D | D A |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700361 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Income is less than [redacted] year, guidelines require [redacted] year of income |  |  |  | Reviewer Comment (2024-02-20): S&D reason |  |  |  | 3 C | C | C |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619979 | XX | XX | XX | 33700363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated designation |  |  |  | Reviewer Comment (2024-04-03): mismatch designation, EV2, nothing needed here<br>Seller Comment (2024-04-02): Higher Priced QM |  |  |  | 2 A B |  | B A |  | NH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223619980 | XX | XX | XX | 33700365 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619980 | XX | XX | XX | 33700366 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-04): Loan is Rebuttable Presumption. |  |  |  | 2 C B | C | B C |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619980 | XX | XX | XX | 33700367 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619980 | XX | XX | XX | 33700368 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. |  |  |  |  | Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-04): Appraisal is not required. Loan is QM Eligible |  |  |  | 2 C B | C | B C |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619980 | XX | XX | XX | 33700369 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-04): Appraisal is not required. Loan is QM Eligible |  |  |  | 2 C B | C | B C |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619980 | XX | XX | XX | 33700371 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Not checked on page 4 |  |  |  | Reviewer Comment (2024-03-05): [redacted]received PCCD. Missing LOE to borrower.<br>Seller Comment (2024-03-04): Please see attached PCCD |  |  |  | 2 C B | C | B C |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | Non QM | Non QM | Yes |
| 223619980 | XX | XX | XX | 33700372 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - [redacted]% |  |  |  | Reviewer Comment (2024-02-23): S&D Reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223619981 | XX | XX | XX | 33700373 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619981 | XX | XX | XX | 33700375 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: DTI [redacted] |  |  |  | Reviewer Comment (2024-02-16): Reason for S&D. |  |  |  | 2 B | B | B |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619981 | XX | XX | XX | 33700376 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-03-29): restated designation<br>Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-07): response | 03/29/2024 |  |  | 1 C A | C | A C |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619981 | XX | XX | XX | 33700377 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-03-29): restated designation | 03/29/2024 |  |  | 1 B A | B | A B |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619981 | XX | XX | XX | 33700378 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-03-29): restated designation<br>Reviewer Comment (2024-03-26): Awaiting confirmation by client of loan origination designation<br>Seller Comment (2024-03-07): QM Pass - No full (physical) appraisal required | 03/29/2024 |  |  | 1 C A | C | A C |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619981 | XX | XX | XX | 33700380 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | ID | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223619982 | XX | XX |  | 33700381 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | [redacted]loan missing as-is appraisal. |  |  |  | Reviewer Comment (2024-02-29): S&D Reason |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619982 | XX | XX |  | 33700386 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower within [redacted] business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of HUD Rebuttable Presumption QM. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared.<br>Reviewer Comment (2024-04-19): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.<br>Reviewer Comment (2024-04-09): Condition # [redacted]of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date. This caused the loan to test as HUD Rebuttable Presumption QM.<br>Seller Comment (2024-04-05): Disagree. Loan passed ATR at purchase | 04/19/2024 |  |  | 1 B A C | B | A C B |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619982 | XX | XX |  | 33700388 |  | Credit | Guideline | Guideline Issue | Guideline | LTV or CLTV exceeds maximum of [redacted]% for the Refi Purpose. | LTV: ___; CLTV: ___ | LTV and CLTV exceeds maximum of [redacted]% for the Refi Purpose. |  |  |  | Reviewer Comment (2024-04-09): The loan was AUS approved with an LTV of [redacted]%.<br>Seller Comment (2024-04-05): Disagree. Max LTV for [redacted] loan is [redacted]%. Value for LTV is either ([redacted]) the value of the property before rehabilitation plus the cost of rehabilitation, or (2) [redacted] percent of the appraised value of the property after rehabilitation, whichever is less. As-repaired value is $[redacted]. [redacted]% of this is $[redacted]. Original LTV = [redacted], which is within the [redacted]limit. | 04/09/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700389 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted]/ [redacted]was not provided. |  | Appraisal was made subject to and 442 images is missing in file. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700390 |  | Credit | Disclosure | Missing Document | Disclosure | FHA Informed Consumer Choice Disclosure is missing. |  | FHA Informed Consumer Choice Disclosure is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700391 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The AUS requires a P&L Statement and a Balance Sheet on Borrower's Self-Employed Income. |  |  |  | Reviewer Comment (2024-04-19): Exception has been cleared. P&L Statement and Balance Sheet were provided.<br>Reviewer Comment (2024-04-09): Condition # [redacted]of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date.<br>Seller Comment (2024-04-05): Disagree. P&L on page [redacted]of file and Balance Sheet on page [redacted]. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Appendix Q Liabilities - Invalid Exclusion Basis | Qualified Mortgage (Dodd-Frank [redacted]): One or more liabilities have been excluded from DTI calculation for a prohibited reason. | The Debt excluded from DTI reflects a reason that is prohibited (Paid by Other Party and Paid by Business). |  |  |  | Reviewer Comment (2024-04-19): Exception cleared.<br>Reviewer Comment (2024-04-09): Condition # [redacted]of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date. The caused the loan to be required to adhere to QM requirements. Debt exclusion for paid by business is not allowable by QM.<br>Seller Comment (2024-04-05): Disagree. Reviewed to ATR standard. Borrower is self-employed. Income is net of debts paid by business. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | The AUS requires a P&L Statement and Balance Sheet for the Self-Employment income. |  |  |  | Reviewer Comment (2024-04-19): Exception has been cleared. P&L Statement and Balance Sheet were provided.<br>Reviewer Comment (2024-04-09): Condition # [redacted] of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date.<br>Seller Comment (2024-04-05): Disagree. P&L on page [redacted] of file and Balance Sheet on page [redacted]. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700394 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | The Subject Loan is not eligible to be insured based off of the AUS findings not being met (Self-Employed income documentation missing from the loan file) |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The AUS requires a P&L Statement and Balance Sheet for the Self-Employment income. |  |  |  | Reviewer Comment (2024-04-19): Exception has been cleared. P&L Statement and Balance Sheet were provided.<br>Reviewer Comment (2024-04-09): Condition # [redacted] of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date.<br>Seller Comment (2024-04-05): Disagree. P&L on page [redacted] of file and Balance Sheet on page [redacted]. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700396 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted]Supplemental Origination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Tolerance Cure was reflected on the Final signed and dated Closing Disclosure. |  |  |  | Reviewer Comment (2024-03-11): Sufficient Cure Provided At Closing |  | 03/11/2024 |  | 1 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619982 | XX | XX |  | 33700397 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Consultant Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Tolerance Cure was reflected on the Final signed and dated Closing Disclosure. |  |  |  | Reviewer Comment (2024-03-11): Sufficient Cure Provided At Closing |  | 03/11/2024 |  | 1 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | HUD Safe Harbor QM | HUD Safe Harbor QM | Yes |
| 223619982 | XX | XX |  | 33700398 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The evidence of the paid Prior to Closing amounts listed on the Final Signed and Dated Closing Disclosure are missing from the loan file. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700399 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The evidence of the Fee listed as Paid Prior to Closing on the Closing Disclosure is missing from the loan file. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700400 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The evidence of the Fee listed as Paid Prior to Closing on the Closing Disclosure is missing from the loan file. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700401 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | The evidence of the Fee listed as Paid Prior to Closing on the Closing Disclosure is missing from the loan file. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan was AUS approved with a DTI of [redacted]%, but income documentation and a 442 completion report are missing which makes the loan not eligible for guarantee or insurance by FHA. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared.<br>Reviewer Comment (2024-04-09): Condition # [redacted]of the DU findings require a Profit and Loss Statement and Balance Sheet if more than one calendar quarter has elapsed since the filing date of the most recent tax return. The loan closed [redacted]. Two quarters elapsed since last filing date. This caused the loan to be required to adhere QM requirement of maximum [redacted]% DTI.<br>Seller Comment (2024-04-05): Disagree regarding income doucmentation. See response for exception ID [redacted]. <br> Agree loan is uninsured; was disclosed as such prior to diligence. Completion appaisal provided. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619982 | XX | XX |  | 33700403 |  | Credit | Asset | Document Error | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Fees paid before closing were entered. |  |  |  | Reviewer Comment (2024-04-19): Exception cleared. | 04/19/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B | HUD Safe Harbor QM | HUD Safe Harbor QM | No |
| 223619983 | XX | XX |  | 33700404 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Appraisal Age. Compliant HPML. |  |  |  | Reviewer Comment (2024-03-12): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700405 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan is missing income documentation as required by the AUS. |  |  |  | Reviewer Comment (2024-04-15): Sufficient documents provided.<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/15/2024 |  |  | 1 D A | D | A D |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700406 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Secondary valuation is not required. |  |  |  | Reviewer Comment (2024-04-23): Exception cleared. xx by BPO provided with an increase in value. | 04/23/2024 |  |  | 1 D A | D | A D |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700407 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is not using Version [redacted] FNMA Legal Documents. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700408 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2024-04-23): Exception cleared. Retro drive by BPO provided pictures from current date showing no damage. | 04/23/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700409 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank [redacted]): Significant income variation requires a period of more than [redacted] ([redacted]) years when calculating the average Overtime/Bonus income. | The most conservative two years plus YTD average was not used in calculating base, overtime and bonus income. |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. The income was verified as required.<br>Reviewer Comment (2024-04-15): The AUS result is ineligible which makes it not agency salable due to excessive DTI. The loan then default tested to QM requirement of an income calculation of YTD plus two year average. | 04/15/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank [redacted]): Significant income variation requires a period of more than [redacted] ([redacted]) years when calculating the average Overtime/Bonus income. | The most conservative two years plus YTD average was not used in calculating base, overtime and bonus income. |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. The income was verified as required.<br>Reviewer Comment (2024-04-15): The AUS result is ineligible which makes it not agency salable due to excessive DTI. The loan then default tested to QM requirement of an income calculation of YTD plus two year average. | 04/15/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700411 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. Loan is Compliant Higher Priced. | 04/15/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700412 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Flipped Property - Creditor did not obtain [redacted] ([redacted]) written appraisals. | Second written appraisal is missing in the file. |  |  |  | Reviewer Comment (2024-04-15): Property was listed more than a year before note date. | 04/15/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700413 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock agreement is missing in the file. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700414 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/ [redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Evidence to support omission of debts was not provided. Including the payments in the debt calculation brings the DTI to [redacted]% and out of tolerance. |  |  |  | Reviewer Comment (2024-04-17): DTI issue resolved. Excluded debt on LP is a tiny balance and immaterial to DTI. However, LP is accept/ineligible and approval indicates that it was originated under a State of [redacted] Hometown Heroes program. No guidelines provided for this program.<br>Reviewer Comment (2024-04-15): The LP result is ineligible. Guidelines were not provided. The loan tested as ATR risk due to not having guidelines to determine required loan terms<br>Reviewer Comment (2024-04-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/ [redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase,<br>Reviewer Comment (2024-04-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted]PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/ [redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700415 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Evidence to support omission of debts was not provided. Including the payments in the debt calculation brings the DTI to [redacted]% and out of tolerance. |  |  |  | Reviewer Comment (2024-04-15): Duplicate exception.<br>Reviewer Comment (2024-04-15): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | 04/15/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700416 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk due to loan is failing Points and Fees. |  |  |  | Reviewer Comment (2024-04-17): DTI issue resolved. Excluded debt on LP is a tiny balance and immaterial to DTI. However, LP is accept/ineligible and approval indicates that it was originated under a State of [redacted] Hometown Heroes program. No guidelines provided for this program.<br>Reviewer Comment (2024-04-15): The LP result is ineligible. Guidelines were not provided. The loan tested as ATR risk due to not having guidelines to determine required loan terms. |  |  |  | 3 B C | B | B C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status D C | HUD Safe Harbor QM | ATR Risk | Yes |
| 223619983 | XX | XX |  | 33700417 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI is increasing due to down payment assistance. |  |  |  | Reviewer Comment (2024-04-17): DTI issue resolved. Excluded debt on LP is a tiny balance and immaterial to DTI. However, LP is accept/ineligible and approval indicates that it was originated under a State of [redacted] Hometown Heroes program. No guidelines provided for this program.<br>Reviewer Comment (2024-04-15): The LP result is ineligible and the calculated DTI exceeds the QM maximum allowable DTI of [redacted]%. |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700418 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure provided on or after [redacted]contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700420 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | The LP result is ineligible which makes the loan not eligible to be insured or guaranteed by FHA. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700421 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Evidence to support omission of debts was not provided. Including the payments in the debt calculation brings the DTI to [redacted]% and out of tolerance. |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. The DTI is within tolerance.<br>Reviewer Comment (2024-04-15): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%. | 04/15/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700422 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated DTI exceeds the AUS maximum allowable. |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. The DTI is within tolerance. | 04/15/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619983 | XX | XX |  | 33700423 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-04-09): Sufficient Cure Provided At Closing |  | 04/09/2024 |  | 1 A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure A | HUD Safe Harbor QM | ATR Risk | Yes |
| 223619983 | XX | XX |  | 33700424 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | D C A | HUD Safe Harbor QM | ATR Risk | No |
| 223619984 | XX | XX |  | 33700426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation discrepancy due to missing signed and dated [redacted]tax returns. |  |  |  |  |  |  |  | 3 B C | B | B C |  | MO | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619984 | XX | XX |  | 33700427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Unable to verify S-Corp income using reasonably reliable third-party records. Missing signed and dated tax returns. |  |  |  |  |  |  |  | 3 C | C | C |  | MO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619984 | XX | XX |  | 33700428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Unable to verify S-Corp income using reasonably reliable third-party records. Missing signed and dated tax returns and audited P&L statement. |  |  |  |  |  |  |  | 3 C | C | C |  | MO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619984 | XX | XX |  | 33700429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted]disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. |  |  |  |  |  |  |  | 2 B | B | B |  | MO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619984 | XX | XX |  | 33700431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Point fee increased from $[redacted]to $[redacted]on [redacted]Loan Estimate without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | MO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619984 | XX | XX |  | 33700432 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased from $[redacted]$[redacted] on [redacted] Closing Disclosure without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | MO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619984 | XX | XX |  | 33700433 |  | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have [redacted]months business Account statements. (GSE COVID-19) |  | Borrower has an un-audited YTD P&L and the loan file is missing [redacted] months business account statements. |  |  |  |  |  |  |  | 3 C | C | C |  | MO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619984 | XX | XX |  | 33700434 |  | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have [redacted] months business Account statements. (GSE COVID-19) |  | Borrower has an un-audited YTD P&L and the loan file is missing [redacted]months business account statements. |  |  |  |  |  |  |  | 3 C | C | C |  | MO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619984 | XX | XX |  | 33700435 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | MO | Second Home | Purchase | C A | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700436 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted]declared end date. |  |  |  | Reviewer Comment (2024-03-19): Exception cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700437 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is using the older FNMA Legal Documents. Note is on Fannie Mae/Freddie Mac Uniform instrument From [redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700438 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation. |  |  |  |  |  |  |  | 3 D | D | D |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700439 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Third party verification of self-employment is missing. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted]and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700440 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification of self-employment is missing. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted]and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700441 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Appraisal report dated [redacted]missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation discrepancy due to missing third party verification of self employment. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located which caused the loan to default test as QM (APOR) fail.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted]and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 B C | B | B C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619985 | XX | XX |  | 33700443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall due to missing third party verification of self employment. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted]and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700444 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing third party verification of self employment. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted] and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700445 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four ([redacted]business days prior to closing. | The [redacted]Loan Estimates not signed/dated and there is no other evidence in loan file the borrower received the revised loan estimate at least [redacted] business days before closing. |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700446 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Fee last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223619985 | XX | XX |  | 33700447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | File is missing third party verification of self employment. |  |  |  | Reviewer Comment (2024-04-10): Third party verification of business as required by the DU findings was not located.<br>Seller Comment (2024-04-10): Tax returns, transcripts, [redacted]and business bank statements in file demonstrate active self-employment. Loan meets ATR standard. |  |  |  | 3 C | C | C |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619985 | XX | XX |  | 33700448 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Appraisal- structural soundness, inadqueate comps. |  |  |  | Reviewer Comment (2024-03-11): S&D reason |  |  |  | 2 B | B | B |  | OK | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223619986 | XX | XX |  | 33700451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). |  |  |  |  |  |  |  | 3 B C | B | B C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | Yes |
| 223619986 | XX | XX |  | 33700453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 223619986 | XX | XX |  | 33700454 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 223619986 | XX | XX |  | 33700455 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Borrower took employment with a different company; agency would not accept new employment information after note date. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary HPQM (GSE/Agency Eligible) | No |
| 223619987 | XX | XX |  | 33700457 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Real Estate Certification was provided at or after closing. | - Provided Date: ___; Consummation Date: ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700458 |  | Credit | Document Error | General | Document Error | FHA - Informed Consumer Choice Disclosure was not provided to borrower within [redacted] business days of the loan application. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700459 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | FHA - Important Notice to Homebuyer (92900-B) was not provided within [redacted] days of the application date. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700460 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700461 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary valuation not required |  |  |  |  |  |  |  | 3 D | D | D |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700462 |  | Credit | Guideline | Guideline Issue | Guideline | The FHA Minimum Required Investment was not met per the documented Assets in file. | Total Borrower Contribution (Per Assets): ___; Borrower's % Investment (Per Assets): ___ |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700463 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: General Services Administration (GSA) not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700464 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Denials of Participation (LDP) not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700465 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700466 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2024-03-11): Downpayment assistance was utilized for closing. | 03/11/2024 |  |  | 1 C A | C | A C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700468 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  | 2 B | B | B |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change circumstance not provided |  |  |  | Reviewer Comment (2024-04-11): [Redacted] Received valid COC along with supporting comments on the exception.<br>Seller Comment (2024-04-10): Disagree. COC on page [redacted]indicated purchase price changed. There was a corresponding increase in the loan amount which increased the origination fee. | 04/11/2024 |  |  | 1 C A | C | A C |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619987 | XX | XX |  | 33700471 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Valid change circumstance not provided |  |  |  | Reviewer Comment (2024-04-11): [Redacted] Received valid COC along with supporting comments on the exception.<br>Seller Comment (2024-04-10): Disagree. COC on page [redacted]indicated purchase price changed. There was a corresponding increase in the loan amount which increased the MI premium. | 04/11/2024 |  |  | 1 C A | C | A C |  | IA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619987 | XX | XX |  | 33700472 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within [redacted] calendar days of the Note. |  |  |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700473 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Bwr unemployed at closing |  |  |  |  |  |  |  | 2 B | B | B |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700474 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | No Income Provided | Qualified Mortgage (Dodd-Frank [redacted]): No income was provided to demonstrate compliance with Appendix Q requirements. | The Work Number verification reflects that Borrower was terminated from current job [redacted]. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | The Work Number verification reflects that Borrower was terminated from current job [redacted]which makes the loan not eligible to be insured or guaranteed by FHA. |  |  |  | Reviewer Comment (2024-03-21): Bwr unemployed at closing. S&D Reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700476 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - No Income Provided | Ability to Repay (Dodd-Frank [redacted]): No income or assets converted to a monthly amount was provided to demonstrate ability to repay. | The Work Number verification reflects that Borrower was terminated from current job [redacted] |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700477 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Work Number verification reflects that Borrower was terminated from current job [redacted]. Evidence of new employment and income was not provided. Additionally, evidence of AUS required mortgage insurance is missing. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700478 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | The Work Number verification reflects that Borrower was terminated from current job [redacted]. Evidence of new employment and income was not provided. Additionally, evidence of AUS required mortgage insurance is missing. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 1 A | A | A |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700479 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | The Work Number verification reflects that Borrower was terminated from current job [redacted]. Evidence of new employment and income was not provided. Additionally, evidence of AUS required mortgage insurance is missing. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 B C | B | B C |  | IA | Primary | Purchase | Lender to provide updated ATR/QM status D C | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619987 | XX | XX |  | 33700480 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Unable to determine compliance with QM Total Debt Ratio requirements due to missing QM Total Debt Ratio information. | The Work Number verification reflects that Borrower was terminated from current job [redacted]. Evidence of new employment and income was not provided. Additionally, evidence of AUS required mortgage insurance is missing. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700481 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The AUS required verification of employment performed within [redacted] business days of closing. However, the Work Number verification reflects Borrower was terminated [redacted] which impacts ATR. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700482 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | AUS/FHA required Mortgage Insurance Certificate is required and is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700483 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | The Work Number verification reflectws Borrower was terminated [redacted] which is prior to closing. Information on current employment was not provided. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619987 | XX | XX |  | 33700484 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The Work Number verification reflectws Borrower was terminated [redacted] which is prior to closing. Information on current employment was not provided. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | IA | Primary | Purchase | D C | HUD Safe Harbor QM | ATR Fail | No |
| 223619988 | XX | XX |  | 33700486 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Real Estate Certification is missing. |  | FHA - Real Estate Certification is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700487 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Amendatory Clause is missing. |  | Amendatory Clause is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700488 |  | Credit | Disclosure | Missing Document | Disclosure | CAIVRS Authorization is missing. |  | CAIVRS Authorization is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700489 |  | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [redacted]. Citizen, and the guideline required documentation was not provided. |  | Employment authorization documentation was not provided. Borrower's work visa expires on [redacted]. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700490 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700491 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | [redacted] uses FannieMae's definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following:<br> [redacted]% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount- [redacted]% of the insurable value of the improvements-required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. There is a shortfall of $[redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700492 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700494 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM (43-Q). | Mortgage Insurance Certificate and evidence of citizenship is missing. |  |  |  |  |  |  |  | 3 B C | B | B C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | HUD Safe Harbor QM | Higher Priced QM (43-Q) | Yes |
| 223619988 | XX | XX |  | 33700495 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | No Defined Cure A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least three ([redacted]) business days prior to consummation | Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided At Closing |  | 03/08/2024 |  | 1 A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | Yes |
| 223619988 | XX | XX |  | 33700500 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided At Closing |  | 03/08/2024 |  | 1 A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | Yes |
| 223619988 | XX | XX |  | 33700501 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | Borrower did not provide a [redacted]% investment to purchase transaction. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700502 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Citizen issue w [redacted] Visa. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619988 | XX | XX |  | 33700503 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The AUS required a Mortgage Insurance Certificate and evidence of Citizenship which are missing. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Purchase | C A | HUD Safe Harbor QM | Higher Priced QM (43-Q) | No |
| 223619989 | XX | XX |  | 33700504 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | LPA dated[redacted]. Note/Notary Date is [redacted]. Loan Product Advisor is required no more than [redacted] days before and no later than the Note Date. No valid AUS was provided. |  |  |  | Reviewer Comment (2024-04-10): Exception has been cleared. AUS findings provided are the most recent.<br>Seller Comment (2024-04-10): Disagree. LP on page [redacted]has expiration date of [redacted] (see pge. [redacted]). <br> Note that seller defect indicates loan is not eligible for GSE. Loan is a general QM. | 04/10/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619989 | XX | XX |  | 33700505 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | LPA dated [redacted]. Note/Notary Date is [redacted]. Loan Product Advisor is required no more than [redacted] days before and no later than the Note Date. No valid AUS was provided. |  |  |  | Reviewer Comment (2024-04-10): Exception has been cleared. AUS findings provided are the most recent.<br>Seller Comment (2024-04-10): Disagree. LP on page [redacted] has expiration date of [redacted](see pge. [redacted]). <br> Note that seller defect indicates loan is not eligible for GSE. Loan is a general QM. | 04/10/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619989 | XX | XX |  | 33700506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate e-signed by borrowers on [redacted]. Earliest E-sign Consent agreement date provided in file is [redacted]. |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619989 | XX | XX |  | 33700508 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - Did not meet [redacted] month VOM for conventional manual underwrite |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 2 B | B | B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619989 | XX | XX |  | 33700509 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments.<br> Housing history reflects a total of ___ reported late payments. | Evidence of verification of Mortgage payment history and/or rental payment history for the [redcated]-month period prior to the date of the Mortgage application must be included in the Mortgage file for Manually Underwritten Mortgages. |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 3 C | C | C |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223619990 | XX | XX |  | 33700510 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note and the final DU findings. |  |  |  | Reviewer Comment (2024-04-09): Note provided.<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/09/2024 |  |  | 1 D A | D | A D |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700511 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Converted eNote. DTI issue. |  |  |  | Reviewer Comment (2024-03-12): S&D |  |  |  | 2 B | B | B |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700512 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] |  | Final [redacted]is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700513 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File is missing final AUS; final 1008 showing AUS approved was used for review. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700514 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report is missing in file. |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700515 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700516 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | [redacted]/Appraisal form is missing in file. |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700517 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Flood certificate and [redacted]form is missing in file so unable to identify. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700518 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: ___<br> Disaster Declaration Date: ___<br> Disaster End Date: ___ | The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700519 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Appraisal is missing in file. |  |  |  |  |  |  |  | 3 D | D | D |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700520 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit report and Appraisal is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700521 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient by $118700. File is missing appraisal to determine Estimated Cost New or an RCE, to determine required coverage. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700522 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Representative FICO score discrepancy. | Representative FICO score of ___ is less than AUS representative FICO score of ___. | Credit report is missing in file. |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619990 | XX | XX |  | 33700523 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Investment | Refinance - Rate/Term | D B | N/A | N/A | No |
| 223619991 | XX | XX |  | 33700524 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700525 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Mortgage Insurance Certificate not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700526 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] (redacted) business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700527 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | The AUS required verification of employment for B1 and a mortgage certificate which are missing. |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700528 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank [redacted]): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | The AUS required verification of employment for B1 which is missing. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700530 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | AUS required verifcation of employment for B1 and a mortgage insurance certificate which are missing. This cause the loan to test as ATR fail. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]& [redacted] |  |  |  | 3 B C | B | B C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619991 | XX | XX |  | 33700531 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan was AUS approved with a DTI of [redacted]%, but verification of employment for B1 and a mortgage insurance certificate are missing which caused the loan to test to QM requirement of maximum [redacted]% DTI. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]& [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700533 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $redactedexceeds tolerance of $redactedplus redacted% or $redacted. Sufficient or excess cure was provided to the borrower at Closing. | [redacted] Percent Fee Tolerance exceeded. Total amount of $redactedexceeds tolerance of $redactedplus redacted% or $redacted. Sufficient or excess cure was provided to the borrower at Closing. No Valid coc in file |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided At Closing |  | 03/08/2024 |  | 1 A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619991 | XX | XX |  | 33700534 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $redactedexceeds tolerance of $redacted. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee is not reflecting in loan estimate. |  |  |  | Reviewer Comment (2024-03-08): Sufficient Cure Provided At Closing |  | 03/08/2024 |  | 1 A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure A | HUD Safe Harbor QM | ATR Fail | Yes |
| 223619991 | XX | XX |  | 33700535 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | AUS required VVOE is missing which impacts ATR. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700536 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | AUS required VVOE for B1 is missing which impacts ATR. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700537 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | AUS required VVOE for B1 is missing which impacts ATR. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700538 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing verification of Income from Borrower1. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): Disagree. Work Number on page [redacted]verifies income from Comcast. |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700539 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700540 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | An AUS Mortgage Insurance Certificate is missing. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619991 | XX | XX |  | 33700541 |  | Credit | Document Error | General | Document Error | FHA - Loan Transmittal (92900-LT) is not compliant. |  | The FHA Transmittal Summary is not signed by the Underwriter and does not reflect ZFHA Chums ID. |  |  |  | Reviewer Comment (2024-04-09): There is no new documentation to review.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Primary | Purchase | C A | HUD Safe Harbor QM | ATR Fail | No |
| 223619992 | XX | XX |  | 33700542 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700544 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary valuation is not required |  |  |  |  |  |  |  | 3 D | D | D |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700545 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial redacted |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2024-04-10): Fraud Report not located.<br>Seller Comment (2024-04-10): Disagree. [redacted], [redacted]and [redacted]transcripts are in file (pg. [redacted]), so [redacted]is irrelelvant. Loan reviewed to ATR standard, not to AUS. ATR is dcumented based on pay stubs and W2s. |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] (redacted) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $redactedexceeds tolerance of $redacted. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee is charged as $redactedon Loan Estimate however this fee charged on Final Closing Disclosure as $redacted. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $redacted, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619992 | XX | XX |  | 33700550 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason: DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): S&D reason: DTI ineligible. |  |  |  | 2 B | B | B |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700551 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the signed and dated 4506-C required by the AUS approval. |  |  |  | Reviewer Comment (2024-04-19): [Redacted] requires a [redacted]-C signed and dated at or before closing and retained in the loan file for QC review<br>Reviewer Comment (2024-04-17): No transcripts located in the loan file. If available, they can be used to clear the [redacted]exceptions. Loan approval provided lists "AUS-FINAL" as prior to doc condition.<br>Reviewer Comment (2024-04-10): 4506C or Transcripts were not located.<br>Seller Comment (2024-04-10): Disagree. [redacted], [redacted] and [redacted]transcripts are in file (pg. [redacted]), so [redacted]is irrelelvant. Loan reviewed to ATR standard, not to AUS. ATR is dcumented based on pay stubs and W2s. |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700552 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The file is missing the signed and dated 4506-C required by the AUS approval, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2024-04-17): No transcripts located in the loan file. If available, they can be used to clear the [redacted]exceptions. Loan approval provided lists "AUS-FINAL" as prior to doc condition.<br>Reviewer Comment (2024-04-10): [redacted]or Transcripts were not located.<br>Seller Comment (2024-04-10): Disagree. [redacted], [redacted]and [redacted]transcripts are in file (pg. [redacted]), so [redacted]is irrelelvant. Loan reviewed to ATR standard, not to AUS. ATR is dcumented based on pay stubs and W2s. |  |  |  | 3 B C | B | B C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | QM (APOR) Risk | Yes |
| 223619992 | XX | XX |  | 33700553 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The file is missing the signed and dated redacted-C required by the AUS approval, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-17): No transcripts located in the loan file. If available, they can be used to clear the [redacted]exceptions. Loan approval provided lists "AUS-FINAL" as prior to doc condition.<br>Reviewer Comment (2024-04-10): [redacted]or Transcripts were not located.<br>Seller Comment (2024-04-10): Disagree. [redacted], [redacted]and [redacted]transcripts are in file (pg. [redacted]), so [redacted]is irrelelvant. Loan reviewed to ATR standard, not to AUS. ATR is dcumented based on pay stubs and W2s. |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619992 | XX | XX |  | 33700554 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The file is missing the signed and dated 4506-C required by the AUS approval, causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2024-04-17): No transcripts located in the loan file. If available, they can be used to clear the 4506 exceptions. Loan approval provided lists "AUS-FINAL" as prior to doc condition.<br>Reviewer Comment (2024-04-10): [redacted]or Transcripts were not located.<br>Seller Comment (2024-04-10): Disagree. [redacted], [redacted]and [redacted]transcripts are in file (pg. [redacted]), so [redacted]is irrelelvant. Loan reviewed to ATR standard, not to AUS. ATR is dcumented based on pay stubs and W2s. |  |  |  | 3 C | C | C |  | WA | Primary | Purchase | D C | Safe Harbor QM (APOR) | QM (APOR) Risk | No |
| 223619993 | XX | XX |  | 33700555 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area post-close. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $redactedexceeds tolerance of $redacted. Insufficient or no cure was provided to the borrower. | Appraisal Fee increased on redacted Loan Estimate with no valid change redacted. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619993 | XX | XX |  | 33700557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $redactedexceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on Loan Estimate issued redacted with no valid change evident. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619993 | XX | XX |  | 33700559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $-redacted. | [redacted]% tolerance was decreased by $redacted due to decrease of Lender Credits. No valid COC provided. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | ATR Risk | Yes |
| 223619993 | XX | XX |  | 33700560 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM<br>Reviewer Comment (2024-04-08): The guidelines require evidence the security deposit for the lease on the departing residence was deposited into Borrower's account and a P &L Statement to support S-Corp income which are missing. Additionally, the loan failed QM Points and Fees testing. These issues caused the loan to test as ATR risk.<br>Seller Comment (2024-04-05): Loan reviewed to lender credit guidelines, ATR compliance scope. Did not test for QM points and fees. ATR is documented. Guidelines provided ([redacted][redacted] - [redacted]). | 04/08/2024 |  |  | 1 B A C | B | A C B |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | ATR Risk | Yes |
| 223619993 | XX | XX |  | 33700561 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees redacted | Qualified Mortgage (Dodd Frank [redacted]): Points and Fees on subject loan of redacted% is in excess of the allowable maximum of redacted% of the Federal Total Loan Amount. Points and Fees total $redactedon a Federal Total Loan Amount of $redactedvs. an allowable total of $redacted(an overage of $redactedor .redacted). | Loan fails Points and fees test due to the loan amount exceeds $redactedand the fees charged to the Borrower(s) exceed redacted% the loan amount. The Note reflects a loan amount of $redactedFees charged to the Borrower(s) equal $redactedwhich equal redacted% of the loan amount. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank [redacted]): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. | The file is missing P&L statement |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. P&L not required. | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700563 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | The file is missing P&L statement |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. P&L not required. | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700564 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: redacted%/redacted%, Credit Score: redacted, Occupancy: Primary, Purpose: Purchase, | Waterfall due to missing P&L statement |  |  |  | Reviewer Comment (2024-04-08): Guidelines provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. P&L not required. | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700565 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed P&L statement. |  |  |  | Reviewer Comment (2024-04-08): The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement which is missing.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. P&L not required. |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700566 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement and evidence the security deposit on the departing residence deposited in Borrower's bank account which are missing. |  |  |  | Reviewer Comment (2024-04-08): The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement and evidence the security deposit on the departing residence deposited in Borrower's bank account which are missing.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. Income docs in file meet lender guidelines. |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700567 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement and evidence the security deposit on the departing residence deposited in Borrower's bank account which are missing. |  |  |  | Reviewer Comment (2024-04-08): The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement and evidence the security deposit on the departing residence deposited in Borrower's bank account which are missing.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. ATR is documented per lender guidelines. |  |  |  | 3 C | C | C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700568 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank [redacted]): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700569 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D - EPD at origination (now redactedmonths clean) |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 2 B | B | B |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700570 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank [redacted]): Rental income documentation requirement not met for [redacted]. Lease Agreement and/or Tax Return not provided. |  |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM.<br>Seller Comment (2024-04-05): Disagree. Rental income for this property is documented on [redacted] tax return. <br> Here is list of income docs in file with page numbers.<br> [redacted] [redacted][redacted] [redacted]; s/ [redacted]<br> W2 [redacted] [redacted]<br> W2 [redacted] [redacted]- [redacted]<br> VVOE [redacted]- [redacted]<br> Transcripts [redacted][redacted]<br> Transcripts [redacted] [redacted][redacted] [redacted] [redacted] [redacted]; s/ [redacted]<br> [redacted][redacted]K1 [redacted]<br> [redacted] [redacted][redacted] [redacted]; s/ [redacted]<br> [redacted] [redacted]K1 [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700571 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank [redacted]): Rental income documentation requirement not met forredacted Lease Agreement and/or Tax Return not provided. |  |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM.<br>Seller Comment (2024-04-05): See response for Loan Exception [redacted]. Rental income on tax return. | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank [redacted]): Rental income documentation requirement not met for zzt. Lease Agreement and/or Tax Return not provided. |  |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM.<br>Seller Comment (2024-04-05): See response for Loan Exception [redacted]. Rental income on tax return. | 04/08/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700573 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The guidelines require verification the security deposit on the departing residence was deposited into Borrower's account which is missing. |  |  |  |  |  |  |  | 3 C |  | C |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700574 |  | Compliance | Compliance | Miscellaneous Compliance | ATR/QM Defect | Rental Income Vacating Primary | Qualified Mortgage (Dodd-Frank [redacted]): Analysis of Rental income requirement not met. Borrower's current address matches the REO property address. | Verification the security deposit was deposited into Borrower's account is missing. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Designation is Non QM. | 04/08/2024 |  |  | 1 A |  | A |  | CA | Primary | Purchase | C A | Non QM | ATR Risk | No |
| 223619993 | XX | XX |  | 33700575 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - redacted% Points and Fees | Fannie Mae [redacted] redacted% Points and Fees Test. Points and Fees on subject loan of redacted% is in excess of the investor allowable maximum of redacted% of the Federal Total Loan Amount. Points and Fees total $redactedon a Federal Total Loan Amount of $redactedvs. an investor allowable total of $redacted(an overage of $redactedor .redacted%). | Exception is set in case loan will be sold to FNMA. |  |  |  |  |  |  |  | 2 B |  | B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | ATR Risk | Yes |
| 223619993 | XX | XX |  | 33700576 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The [redacted] Portfolio Jumbo guidelines require a signed P&L Statement and evidence the security deposit on the departing residence deposited in Borrower's bank account which are missing. |  |  |  |  |  |  |  | 3 B C |  | B C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | ATR Risk | Yes |
| 223619994 | XX | XX |  | 33700577 |  | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Initial HUD Addendumredacted A is missing. |  | File is missing initial HUD Addendum to the Loan Application 92900-A . |  |  |  |  |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700578 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing mortgage statement for [redacted]. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Property was purchased the same day as the subject. PITI payment was verified.<br>Seller Comment (2024-04-05): Trailing docs uploaded | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation. |  |  |  |  |  |  |  | 3 D | D | D |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700580 |  | Credit | Disclosure | Missing Document | Disclosure | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | File is missing Mortgage Insurance Certification and Mortgage Insurance Evidence. |  |  |  |  |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700581 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or afterredacteddeclared end date. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700582 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. |  |  |  |  |  | Reviewer Comment (2024-04-08): The property and verification of PITI payments were disclosed.<br>Seller Comment (2024-04-05): See LOE on page [redacted]of file; the additional property is [redacted]. See row 7. | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700583 |  | Credit | Guideline | Guideline Issue | Guideline | The FHA Minimum Required Investment was not met per the Total Calculated Cash to Close on the CD. | CD Total Borrower Contribution: ___; CD Borrower's % Investment: ___; | FHA required minimum investment not met. |  |  |  |  |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | [redacted] are not signed and dated. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Form [redacted]and transcripts were provided.<br>Seller Comment (2024-04-05): Transcripts in file to verify tax returns, page [redacted]and [redacted]. | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [redacted]): Borrower waived right to receive a copy of the appraisal at least [redacted] ([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | File does not contain evidence the borrower received a copy of the appraisal within [redacted] business days of closing. |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700586 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing signed and dates taxes. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Form 8879 and transcripts were provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700587 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing income requirements and minimum investment not met. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Form 8879 and transcripts were provided. | 04/08/2024 |  |  | 1 A | A | A |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700588 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation discrepancy due to missing income requirements and minimum investment not met. |  |  |  | Reviewer Comment (2024-04-15): The income exceptions have been cleared. However, the loan is not agency salable due to lack of verification of the Borrower's required investment of at least $[redacted]. Additionally, a FHA mortgage insurance is missing.<br>Reviewer Comment (2024-04-08): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | 3 B C | B | B C |  | RI | Primary | Purchase | Lender to provide updated ATR/QM status D C | HUD Safe Harbor QM | Non QM | Yes |
| 223619994 | XX | XX |  | 33700589 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | [redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. | File is missing Prohibited Acts and Prohibited Regarding High-Cost Home Loans disclosure. |  |  |  |  |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: [redacted] Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $- [redacted]. | Lender Credits Fee was last disclosed as $-redactedon LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | HUD Safe Harbor QM | Non QM | Yes |
| 223619994 | XX | XX |  | 33700592 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Title - Recording Service Fee was last disclosed as $redactedon LE but disclosed as $redactedon Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | HUD Safe Harbor QM | Non QM | Yes |
| 223619994 | XX | XX |  | 33700593 |  | Credit | Guideline | Guideline Issue | Guideline | FHA requires that [redacted]be signed by borrower(s). |  |  |  |  |  | Reviewer Comment (2024-04-08): Transcripts were provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700594 |  | Credit | Guideline | Guideline Issue | Guideline | FHA requires that [redacted]be signed by borrower(s). |  |  |  |  |  | Reviewer Comment (2024-04-08): Transcripts were provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700595 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing income requirements and borrower did not meet minimum investment. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Employment and income was verified as required. | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700596 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing signed/dated tax returns and statement for [redacted] [redacted][redacted]to verify PITIA. |  |  |  | Reviewer Comment (2024-04-08): Exception cleared. Form 8879 and transcripts were provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] and [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]Underdisclosed - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year[redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | File is missing a copy of the Mortgage Insurance Certificate to verify payment. |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | HUD Safe Harbor QM | Non QM | Yes |
| 223619994 | XX | XX |  | 33700598 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing signed and dated [redacted]'s and mortgage statement for [redacted] [redacted][redacted]. to confirm PITIA. |  |  |  | Reviewer Comment (2024-04-08): Transcripts were provided.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] and [redacted] | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700599 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank [redacted]): Subject loan is not eligible to be insured or guaranteed by FHA. | Waterfall due to missing income requirements and borrower did not meet minimum investment. |  |  |  | Reviewer Comment (2024-04-15): The loan is not agency salable because a mortgage insurance certificate is missing and sufficient funds were not verified to cover the Borrower's required investment of $[redacted].<br>Reviewer Comment (2024-04-08): A mortgage insurance certificate is missing which makes the loan not eligible to be insured or guaranteed by FHA.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted]. <br> Agree loan is not eligible for FHA, reported as uninsured on data tape. |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfall due to missing income requirements and borrower did not meet minimum investment. |  |  |  | Reviewer Comment (2024-04-08): The loan is not agency salable because a mortgage insurance certificate and verification of the Borrower's required investment are missing which caused it to be required to meet QM requirement of [redacted]%.<br>Seller Comment (2024-04-05): See response for Loan Exception ID [redacted] regarding income. <br> Agree loan is not eligible for FHA, reported as uninsured on data tape. |  |  |  | 3 C | C | C |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619994 | XX | XX |  | 33700601 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Excessive seller credit. |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 2 B | B | B |  | RI | Primary | Purchase | D C | HUD Safe Harbor QM | Non QM | No |
| 223619995 | XX | XX |  | 33700602 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-03-19): PDI revealed no damage.<br>Reviewer Comment (2024-03-19): Received PDI<br>Reviewer Comment (2024-03-11): S&D reason. | 03/19/2024 |  |  | 1 C A | C | A C |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700603 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700604 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Retirement Documentation | Qualified Mortgage (Dodd-Frank [redacted]): Retirement income documentation insufficient. | One or more of the following are causing this to fail: 1) Missing Award Letter; 2) Missing [redacted]years signed [redacted]or transcripts; 3) If Annuity/Pension income, the "Documented via tax return / transcript?" box is not checked. |  |  |  | Reviewer Comment (2024-03-25): Restated to NonQM | 03/25/2024 |  |  | 1 C A | C | A C |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700605 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  | 2 B | B | B |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700606 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation Test | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is Non QM. | Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is Non QM. |  |  |  | Reviewer Comment (2024-03-25): Restated to NonQM | 03/25/2024 |  |  | 1 B A C | B | A C B |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700608 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700609 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Hurricane property damage from [redacted]. |  |  |  | Reviewer Comment (2024-03-19): PDI revealed no damage.<br>Reviewer Comment (2024-03-19): Received PDI.<br>Reviewer Comment (2024-03-11): S&D reason. | 03/19/2024 |  |  | 1 B A | B | A B |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619995 | XX | XX |  | 33700610 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank [redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restated to NonQM, |  |  |  |  |  |  |  | 2 A B |  | B A |  | SC | Primary | Purchase | C B A | UTD | Non QM | No |
| 223619996 | XX | XX |  | 33700611 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2024-04-10): Blanket policy was provided.<br>Seller Comment (2024-04-10): Disagree. Blanket HOA policy on page [redacted]of file. | 04/10/2024 |  |  | 1 C A | C | A C |  | CO | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619996 | XX | XX |  | 33700612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided at least [redacted] business days prior to closing. |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | No Defined Cure B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619996 | XX | XX |  | 33700614 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223619996 | XX | XX |  | 33700615 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 223619996 | XX | XX |  | 33700616 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Income miscalc and source of funds. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | CO | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619996 | XX | XX |  | 33700617 |  | Credit | Income | Document Error | Income | YTD P&L Statement was not signed and/or dated by Borrower. (GSE COVID-19) |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | CO | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619996 | XX | XX |  | 33700618 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | An H06 policy was provided which reflects $[redacted] coverage which is insufficient. Property is a Condo. If a Blanket Policy is in effect, please provided the policy. |  |  |  | Reviewer Comment (2024-04-10): Blanket policy was provided.<br>Seller Comment (2024-04-10): Disagree. Blanket HOA policy on page [redacted]of file. | 04/10/2024 |  |  | 1 C A | C | A C |  | CO | Primary | Purchase | C B A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 223619997 | XX | XX |  | 33700619 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2024-03-19): Exception has been cleared. Post Disaster Inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223619997 | XX | XX |  | 33700620 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___ | Insurance Verification, Statement is not provided. |  |  |  | Reviewer Comment (2024-04-10): Investment property was not tested for ATR/QM however it is a full credit and compliance underwrite. The exception is a requirement of the AUS and was not met. Exception remains.<br>Seller Comment (2024-04-10): Business purpose loan. Not subject to QMATR requiredment. |  |  |  | 3 C | C | C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223619997 | XX | XX |  | 33700621 |  | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have [redacted] months business Account statements. (GSE COVID-19) |  | Missing most recent personal & business tax return for Borrower. |  |  |  | Reviewer Comment (2024-04-10): Investment property was not tested for ATR/QM however it is a full credit and compliance underwrite. The exception is a requirement of the AUS and was not met. Exception remains.<br>Seller Comment (2024-04-10): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223619997 | XX | XX |  | 33700622 |  | Credit | Income | Income Eligibility | Income | Borrower has un-audited YTD P&L and does not have [redacted] months business Account statements. (GSE COVID-19) |  | Missing most recent personal & business tax return for Borrower. |  |  |  | Reviewer Comment (2024-04-10): Investment property was not tested for ATR/QM however it is a full credit and compliance underwrite. The exception is a requirement of the AUS and was not met. Exception remains.<br>Seller Comment (2024-04-10): See response for Loan Exception ID [redacted] |  |  |  | 3 C | C | C |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223619997 | XX | XX |  | 33700623 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Incorrect UCDP. |  |  |  | Reviewer Comment (2024-03-11): S&D Reason |  |  |  | 2 B | B | B |  | NJ | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 223619998 | XX | XX |  | 33700625 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank [redacted]): Employment history requirement not met. | Waterfall to QM testing due to missing VVOE dated within [redacted]business days prior to the note date. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to income documentation missing. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700628 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. | Waterfall to QM testing due to missing VVOE dated within [redacted]business days prior to the note date. |  |  |  |  |  |  |  | 3 B C | B | B C |  | IN | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223619998 | XX | XX |  | 33700629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfall to QM testing due to missing VVOE dated within [redacted]business days prior to the note date. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700630 |  | Credit | Guideline | Guideline Issue | Guideline | This loan closed during the COVID-19 affected timeframe. VOE was not provided within [redacted]days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within [redacted]days before note date or prior to disbursement date. | - Note Date: ___ | This file was missing a copy of VVOE. Per the AUS, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700631 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | This file was missing a copy of VVOE. Per the AUS, Verbal Verification of Employment VVOE completed within [redacted]days of closing must be provided. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700632 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-03-19): Exception cleared. A post disaster inspection was provided. | 03/19/2024 |  |  | 1 C A | C | A C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700633 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Assets were not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR Failure due to missing income documentation. |  |  |  |  |  |  |  | 3 C | C | C |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619998 | XX | XX |  | 33700635 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Occupancy misrep. |  |  |  | Reviewer Comment (2024-03-11): S&D Reason. |  |  |  | 2 B | B | B |  | IN | Primary | Refinance - Rate/Term | C A | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223619999 | XX | XX |  | 33700636 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | FNMA version used is prior to [redacted], |  |  |  |  |  |  |  | 3 C | C | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Method of Calculation | Qualified Mortgage (Dodd-Frank [redacted]): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. |  |  |  |  | Reviewer Comment (2024-04-15): Exception cleared. YTD plus [redacted] year average used to calculate income.<br>Reviewer Comment (2024-04-15): Set in error.<br>Reviewer Comment (2024-04-15): S&D reason. | 04/15/2024 |  |  | 1 C A | C | A C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700639 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | Balance sheet is required to mitigate this exception. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700640 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank [redacted]): Self-employed income documentation not sufficient (Sole Proprietorship). | Balance sheet is required to mitigate this exception. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Balance sheet is required to mitigate this exception. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 B C | B | B C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM | ATR Fail | Yes |
| 223619999 | XX | XX |  | 33700642 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI calculated using the available income documents dti is exceeding [redacted]%. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 3 C | C | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700644 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Self employment income unacceptable, DTI ineligible. |  |  |  | Reviewer Comment (2024-03-11): S&D reason. |  |  |  | 2 B | B | B |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank [redacted]): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. | The DTI exceeds the maximum allowable which caused the loan to default test to QM requirements. |  |  |  | Reviewer Comment (2024-04-15): S&D reason. |  |  |  | 3 C |  | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The DTI exceeds the maximum allowable which caused the loan to default test to QM requirements. |  |  |  | Reviewer Comment (2024-04-15): S&D reason. |  |  |  | 3 C |  | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700647 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI exceeds the maximum allowable which caused the loan to default test to QM requirements. |  |  |  | Reviewer Comment (2024-04-15): S&D reason. |  |  |  | 3 C |  | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700648 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | The DTI exceeds the maximum allowable which caused the loan to default test to QM requirements. |  |  |  | Reviewer Comment (2024-04-15): S&D reason. |  |  |  | 1 A |  | A |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700649 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Due to S&D reason. |  |  |  | Reviewer Comment (2024-07-17): Due to S&D reason. |  |  |  | 3 C |  | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223619999 | XX | XX |  | 33700650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to S&D reason. |  |  |  | Reviewer Comment (2024-07-17): Due to S&D reason. |  |  |  | 3 C |  | C |  | MO | Primary | Purchase | C A | Safe Harbor QM | ATR Fail | No |
| 223620000 | XX | XX | XX | 33700652 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2024-04-17): received verification<br>Seller Comment (2024-04-16): HOA | 04/17/2024 |  |  | 1 C A | C | A C |  | VA | Investment | Purchase | C B A | N/A | N/A | No |
| 223620000 | XX | XX | XX | 33700653 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within [redacted] ([redacted]) business days of application or determination of first lien status. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Investment | Purchase | C B A | N/A | N/A | No |
| 223620000 | XX | XX | XX | 33700654 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Investment | Purchase | C B A | N/A | N/A | No |
| 223620000 | XX | XX | XX | 33700655 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Investment | Purchase | C B A | N/A | N/A | No |
| 223620000 | XX | XX | XX | 33700656 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Reason for S&D: EPD - OTD failed, incorrect last name on bank account |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D. |  |  |  | 2 B | B | B |  | VA | Investment | Purchase | C B A | N/A | N/A | No |
| 223620001 | XX | XX | XX | 33700658 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail |  |  |  | Reviewer Comment (2024-05-02): Received guidelines<br>Reviewer Comment (2024-04-24): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | 05/02/2024 |  |  | 1 B A C | B | A C B |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223620001 | XX | XX | XX | 33700659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Fee increased from $[redacted]on the initial Loan Estimate to $[redacted]on the initial Closing Disclosure without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223620001 | XX | XX | XX | 33700660 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Flood Certification (Life Of Loan) Fee increased from $[redacted]on the initial Loan Estimate to $[redacted]on the initial Closing Disclosure without a valid change of circumstance. |  |  |  |  |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223620001 | XX | XX | XX | 33700661 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Value unsupported - Original CLTV - [redacted]% / CLTV per BPO Value [redacted]% |  |  |  | Reviewer Comment (2024-03-17): S&D |  |  |  | 2 B | B | B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620001 | XX | XX | XX | 33700662 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. | Designation provided as General Safe Harbor |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 C A | C | A C |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620001 | XX | XX | XX | 33700663 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Refinance, Cash-out - Other | Missing guidelines, AUS ineligible |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 C A | C | A C |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620001 | XX | XX | XX | 33700664 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score:[redacted], Occupancy: Primary, Purpose: Refinance, Cash-out - Other |  |  |  |  | Reviewer Comment (2024-05-02): Received guidelines<br>Seller Comment (2024-04-30): [redacted] Guide<br>Reviewer Comment (2024-04-24): Please indicate which guidelines this was underwritten to<br>Seller Comment (2024-04-19): We agree it is Approve/Ineligible, but that's because the loan amount is ineligible for delivery to [Redacted]. This is a Jumbo loan.<br>Reviewer Comment (2024-04-18): DU was approved/ineligible, please provide guidelines loan was underwritten to<br>Seller Comment (2024-04-16): The appraised value of $[redacted]should be used as it is a more comprehensive product than a BPO. | 05/02/2024 |  |  | 1 A |  | A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620002 | XX | XX | XX | 33700665 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | CU Score is[redacted] for this Submission and CU are pulled at [redacted] [redacted] and not Eligible for Rep and Warrant Relief per Loan Collateral Advisor answer is No. LCA Risk Score is [redacted] on this Submission. |  |  |  |  |  |  |  | 3 D | D | D |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700666 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | At time of closing borrower did not carry sufficient coverage. New insurance binder provided date [redacted] now shows full replacement coverage. |  |  |  | Reviewer Comment (2024-04-18): Received New insurance binder with guaranteed replacement coverage.<br>Seller Comment (2024-04-16): Please see attached | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700668 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - [redacted] | Ability to Repay ([redacted] [redacted]): Unable to verify [redacted] income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated [redacted]s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated [redacted]S returns |  |  |  | Reviewer Comment (2024-04-18): Received documentation of starting rate<br>Reviewer Comment (2024-04-18): Active Secretary of state listing provided is not the same as the requirements<br>Seller Comment (2024-04-16): Please see attached | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700669 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted] [redacted]): General Ability-to-Repay requirements not satisfied. | One of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated [redacted]s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1120S returns |  |  |  | Reviewer Comment (2024-04-18): Received documentation of starting rate | 04/18/2024 |  |  | 1 A | A | A |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700670 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted] [redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Entered per loan data [redacted] |  |  |  | Reviewer Comment (2024-05-02): Loan was tested as Safe Harbor QM and fails<br>Seller Comment (2024-04-30): Loan Determination is QM Safe harbor<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Reviewer Comment (2024-04-18): EXCEPTION HISTORY - Exception Detail was updated on [redacted]PRIOR Exception Detail: Qualified Mortgage ([redacted][redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>Seller Comment (2024-04-16): Loan is QM Safe Harbor |  |  |  | 3 B C | B | B C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223620002 | XX | XX | XX | 33700671 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Undisclosed liability, revised DTI [redacted]% |  |  |  | Reviewer Comment (2024-03-15): S&D |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700672 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | Designation provided as General Safe Harbor |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes |
| 223620002 | XX | XX | XX | 33700673 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after [redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. | Designation provided as General Safe Harbor |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700674 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees [redacted] | Qualified Mortgage ([redacted] [redacted]): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Reviewer Comment (2024-04-18): Received documentation of starting rate<br>Seller Comment (2024-04-16): Attached<br>Seller Comment (2024-04-16): pleas see attached | 04/18/2024 |  |  | 1 A |  | A |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620002 | XX | XX | XX | 33700675 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets -[redacted] | General QM: Unable to verify[redacted] income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-05-10): Returns are not signed, and[redacted] is not signed<br>Seller Comment (2024-05-09): The app date is [redacted]and the loan closed [redacted]. The borrower would not have [redacted] tax returns at that point.<br>Reviewer Comment (2024-04-29): The exception is for verification of income, last income documentation is from [redacted], loan origination is[redacted]<br>Seller Comment (2024-04-19): Please see verification of business license. Per [Redacted] B[redacted] (attached) an acceptable method of verifying employment is a third party verification from an applicable licensing bureau. |  |  |  | 3 C |  | C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Safe Harbor QM (APOR) | QM (APOR) Fail | No |
| 223620003 | XX | XX | XX | 33700677 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700678 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | The closing disclosure date [redacted]& [redacted] does not have all the information completed, also the file does not contain documentation to verify the Closing Disclosure was not provided to the borrower. |  |  |  | Reviewer Comment (2024-04-18): [Redacted] received LOA. | 04/18/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700679 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | The closing disclosure date [redacted] & [redacted] does not have all the information completed, also the file does not contain documentation to verify the Closing Disclosure was not provided to the borrower. |  |  |  | Reviewer Comment (2024-04-18): [Redacted] received LOA.<br>Seller Comment (2024-04-16): See attached | 04/18/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700681 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank [redacted]): List of Homeownership Counseling Organizations not provided to applicant within [redacted] ([redacted]) business days of application. | List of Homeownership Counseling Organizations not provided to borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700683 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: FICO and loan program change resulted in AUS Accept to Refer |  |  |  | Reviewer Comment (2024-03-17): S&D |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700684 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620003 | XX | XX | XX | 33700685 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted] [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | per review, loan is not Safe Harbor |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 B A C | B | A C B |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223620004 | XX | XX | XX | 33700687 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | Calculated investor qualifying total debt ratio of [redacted]% exceeds as the REO properties is calculated through schedule E |  |  |  | Reviewer Comment (2024-04-29): Received post closing AUS showing approve/Eligible based on DTI of [redacted]%, buyer to review<br>Seller Comment (2024-04-24): Please see attached<br>Reviewer Comment (2024-04-18): Subject -[redacted]<br>Seller Comment (2024-04-16): The borrower owns multiple rental properties. Please provide your rental income calculations. Or, identify the propert(ies) with the income discrepancy so I can pinpoint my review. Thanks! |  |  |  | 3 C | C | C |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223620004 | XX | XX | XX | 33700688 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - EPD - OTB failed two times, incorrect last name on bank account |  |  |  | Reviewer Comment (2024-03-15): S&D reason |  |  |  | 2 B | B | B |  | NJ | Investment | Purchase | C A | N/A | N/A | No |
| 223620005 | XX | XX | XX | 33700689 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2024-04-18): received final title | 04/18/2024 |  |  | 1 A | A | A |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620005 | XX | XX | XX | 33700690 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Aged greater than 6 months - not agency deliverable |  |  |  | Reviewer Comment (2024-03-18): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620005 | XX | XX | XX | 33700691 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2024-04-18): Received updated bank statement , Exception cleared<br>Seller Comment (2024-04-16): Required funds: EMD $[redacted] + cash from borrower $[redacted]= $[redacted]<br> Verified funds: EMD $[redacted] + cash from borrower $[redacted] = $[redacted]<br>Seller Comment (2024-04-16): Required funds: EMD $[redacted]+ cash from borrower $[redacted]= $[redacted]<br>Verified funds: EMD $[redacted] + cash from borrower $[redacted] = $[redacted] | 04/18/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620005 | XX | XX | XX | 33700692 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title only shows borrower, mortgage and deed shows borrower with spouse |  |  |  | Reviewer Comment (2024-04-18): received final title<br>Seller Comment (2024-04-16): Title policy | 04/18/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620005 | XX | XX | XX | 33700693 |  | Compliance | Compliance | Federal Compliance | Compliance | Not Eligible for QM based on Appendix Q | Qualified Mortgage: Loan submitted with an originator loan designation of Safe Harbor or Higher Priced QM using Appendix Q. Loans with creditor application date on or after[redacted] are not eligible for QM based on Appendix Q. Loan was tested for compliance with General ATR. Restated loan originator loan designation required to test loan for QM status under General QM (APOR) pricing-based test. |  |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223620005 | XX | XX | XX | 33700694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted] [redacted]): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator designation of Safe Harbor QM |  |  |  | Reviewer Comment (2024-04-01): Received corrected origination loan designation | 04/01/2024 |  |  | 1 B A C | B | A C B |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223620006 | XX | XX | XX | 33700695 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | Reviewer Comment (2024-04-30): received PDI | 04/30/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700696 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700697 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700698 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | [redacted]% tolerance was exceeded by $[redacted] due to Transfer Tax Fee. No valid COC provided, Specific credit of $[redacted] has been provided as cure at closing. |  |  |  | Reviewer Comment (2024-03-12): Sufficient Cure Provided At Closing |  | 03/12/2024 |  | 1 A | A | A |  | PA | Primary | Purchase | Final CD evidences Cure | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700699 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | Good Faith Redisclosure C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on[redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | Good Faith Redisclosure C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | Good Faith Redisclosure C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | Good Faith Redisclosure C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700703 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation | Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least[redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | TRID timing exception, no remediation available. C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700705 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI: Borrower has been qualified with income[redacted], the DTI has been Changed to [redacted]%. |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700706 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | DTI: Borrower has been qualified with income[redacted], the DTI has been Changed to [redacted]%. |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700707 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted][redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700708 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Missing documentation to support receipt and continuance of child support income |  |  |  | Reviewer Comment (2024-03-13): Reason for S&D |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700709 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Alimony Child Support Maintenance Income | Qualified Mortgage ([redacted][redacted]): Alimony/Child Support/Maintenance income verification requirement not met. |  |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700710 |  | Compliance | Compliance | Miscellaneous Compliance | ATR/QM Defect | Non Taxable Income | Qualified Mortgage ([redacted] [redacted]): Percentage of non-taxable income added exceeds borrower tax rate. |  |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620006 | XX | XX | XX | 33700711 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted] [redacted]): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. | Entered per loan data [redacted] |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 B C | B | B C |  | PA | Primary | Purchase | Lender to provide updated ATR/QM status C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | Yes |
| 223620006 | XX | XX | XX | 33700712 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage ([redacted] [redacted]): Total Debt to Income Ratio exceeds [redacted]% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Child support is not documented correctly |  |  |  | Reviewer Comment (2024-03-13): S&D Reason: Missing documentation to support receipt and continuance of child support income. |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | ATR Risk | No |
| 223620007 | XX | XX | XX | 33700714 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Require paystubs covering [redacted] days and W-[redacted] for the year [redacted] and [redacted]. Also, require WVOE to verify overtime income for the previous[redacted] years. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700715 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Require two months bank statement to verify cash to close. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700716 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700717 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  |  |  |  |  | 3 D | D | D |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700718 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require[redacted] award letter or alternative document to verify monthly[redacted] benefit of $[redacted]. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700719 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Require verbal verification of employment at closing. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700720 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted] [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700721 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700722 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted] [redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700723 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700724 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | ATR Fail | Yes |
| 223620007 | XX | XX | XX | 33700725 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700726 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | No Defined cure C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted][redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | File is missing income, assets and credit report. |  |  |  |  |  |  |  | 3 B C | B | B C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | ATR Fail | Yes |
| 223620007 | XX | XX | XX | 33700729 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay ([redacted] [redacted]): Unable to verify debt obligations using reasonably reliable[redacted]-party records. | File is missing credit report. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700730 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-[redacted] | Ability to Repay ([redacted][redacted]): Unable to verify current Wages/W-[redacted] employment status using reasonably reliable[redacted]-party records. | File is missing income documents. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700731 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay ([redacted][redacted]): Unable to verify income due to, missing W-[redacted], Paystub, LES, ETS or WVOE. | File is missing income documents. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700733 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [redacted] did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. | Closing disclosure is incomplete and missing issued date. |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | Good Faith Redisclosure D C A | Non QM | ATR Fail | Yes |
| 223620007 | XX | XX | XX | 33700735 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted][redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | File is missing income, assets and credit documents. |  |  |  |  |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700736 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Repurchased from GNMA so the unwind of the mod could be completed. Loan was brought current via Modification on [redacted] [redacted] Docket to approve MOD had not been entered by the customers attorney. Hearing set for [redacted] [redacted] MOD team engaged as an email had been received from the attorney inquiring about curing the past due balance thru the BK plan rather than the modification. Customer filed a Motion for Approval of the Loan Mod and the hearing date had been reset to [redacted] however if they chose to withdraw the motion it would stop the court from approving the MOD which would then result in having to unwind the MOD. The decision was made to attempt to reinforce the MOD as the customer had made the required Post Modification payments. [redacted][redacted] received the Order Denying Debtor's Motion for Mortgage Loan Mod (attached). In order to proceed with the unwind we will need to buyout of the Ginnie Mae pool<br>Non-monetary default (borrower fraud). The borrower forged the co-borrower's signature on the mod docs. The mod was unwound. |  |  |  | Reviewer Comment (2024-04-02): S&D |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620007 | XX | XX | XX | 33700737 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act ([redacted] [redacted][redacted]): Individual Loan Originator not licensed to conduct loan origination activities. | Originator not licensed to conduct business at time of loan. |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C A | Non QM | ATR Fail | No |
| 223620008 | XX | XX | XX | 33700738 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620008 | XX | XX | XX | 33700741 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | [redacted] Disclosure Rule ([redacted] [redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620008 | XX | XX | XX | 33700743 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Original Valuation(Full Appraisal) overstated. |  |  |  | Reviewer Comment (2024-03-19): S&D |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620008 | XX | XX | XX | 33700744 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The insurance policy only lists the Lender's name as mortgagee without the required "ISAOA/ATIMA" verbiage. |  |  |  | Reviewer Comment (2024-04-17): received policy with[redacted]<br>Seller Comment (2024-04-08): [redacted] | 04/17/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620008 | XX | XX | XX | 33700745 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-19): Sufficient Cure Provided At Closing |  | 03/19/2024 |  | 1 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 223620009 | XX | XX | XX | 33700746 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. . Appraisal was provided.; Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C A | C | C |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700747 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Original Valuation (Full Appraisal) overstated |  |  |  | Reviewer Comment (2024-03-24): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700748 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted][redacted]-[redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of[redacted]% is in excess of the investor allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted]vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or[redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C D B | Non QM | Non QM | Yes |
| 223620009 | XX | XX | XX | 33700750 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted][redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to VA benefits/income documents are missing. Unable to determine the income amount from this source. |  |  |  | Reviewer Comment (2024-04-18): Received income documentation<br>Seller Comment (2024-04-17): The exception called "Guideline Requirement: Investor qualifying total debt ratio discrepancy." has been cleared. Can this also be cleared? | 04/18/2024 |  |  | 1 B A C | B | A C B |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223620009 | XX | XX | XX | 33700751 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and[redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Due to VA benefits/income documents are missing. Unable to determine the income amount from this source. |  |  |  | Reviewer Comment (2024-04-18): Received income documentation<br>Seller Comment (2024-04-16): The exception called "Guideline Requirement: Investor qualifying total debt ratio discrepancy." has been cleared. Can this also be cleared? | 04/18/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700752 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700754 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided. A cure in the amount of $[redacted]is required. |  |  |  | Reviewer Comment (2024-04-24): [Redacted] received valid COC document.<br>Seller Comment (2024-04-23): Please see attached<br>Reviewer Comment (2024-04-18): [Redacted] received valid COC dated [redacted] indicates that Revision requested by the consumer and Appraisal value - Affects LTV. But, there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in [redacted] etc. Other wise cure is required to borrower.<br>Seller Comment (2024-04-17): Please see attached CIC<br>Reviewer Comment (2024-04-09): [Redacted] Received COC missing issue date. Provide Valid COC along with issue date. Exception will be re-evaluated once updated COC is received.<br>Seller Comment (2024-04-08): COC attached | 04/24/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620009 | XX | XX | XX | 33700755 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Due to [redacted]benefits/income documents are missing. Unable to determine the income amount from this source. |  |  |  | Reviewer Comment (2024-04-05): [redacted] Verification of Benefits provided. Exception cleared<br>Seller Comment (2024-04-03): Please see verification of [redacted] Income attached | 04/05/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700756 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to VA benefits/income documents are missing. Unable to determine the income amount from this source. |  |  |  | Reviewer Comment (2024-04-18): Received income documentation<br>Seller Comment (2024-04-16): The exception called "Guideline Requirement: Investor qualifying total debt ratio discrepancy." has been cleared. Can this also be cleared? | 04/18/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700757 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-04-18): Does not include [redacted]<br>Seller Comment (2024-04-08): [redacted] |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700758 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] |  |  |  |  |  |  |  |  |  | 2 D A |  | N/A D |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700759 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID:[redacted] |  |  |  |  |  | Reviewer Comment (2024-04-18): Updated input with documentation provided | 04/18/2024 |  |  | 1 A |  | A |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620009 | XX | XX | XX | 33700760 |  | Credit | Credit | Miscellaneous | Credit | [redacted]Second Lien Property Exception - Primary Valuation with defect |  |  |  |  |  |  |  |  |  | 3 A |  | C A |  | OR | Primary | Refinance - Cash-out - Other | C D B | Non QM | Non QM | No |
| 223620010 | XX | XX | XX | 33700761 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than [redacted] Appraisal was provided; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | ND | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620010 | XX | XX | XX | 33700762 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Original Valuation (Full Appraisal) overstated |  |  |  | Reviewer Comment (2024-03-24): S&D |  |  |  | 2 B | B | B |  | ND | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620010 | XX | XX | XX | 33700764 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | ND | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620010 | XX | XX | XX | 33700765 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-14): Sufficient Cure Provided At Closing |  | 03/14/2024 |  | 1 A | A | A |  | ND | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223620011 | XX | XX | XX | 33700767 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM does not support the value used to qualify. . Appraisal was provided.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C A | C | C |  | PA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223620011 | XX | XX | XX | 33700770 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223620011 | XX | XX | XX | 33700772 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Original Valuation (Full Appraisal) overstated. |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 223620011 | XX | XX | XX | 33700773 |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-15): Sufficient Cure Provided At Closing |  | 03/15/2024 |  | 1 A | A | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223620012 | XX | XX | XX | 33700774 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM provided is invalid. The FSD is greater than[redacted]. Appraisal was provided; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D | D | D |  | KY | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620012 | XX | XX | XX | 33700775 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Original Valuation (Full Appraisal) overstated |  |  |  | Reviewer Comment (2024-03-21): S&D |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620012 | XX | XX | XX | 33700777 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted[redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | KY | Primary | Refinance - Cash-out - Other | D B | Non QM | Non QM | No |
| 223620012 | XX | XX | XX | 33700780 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-03-15): Sufficient Cure Provided At Closing |  | 03/15/2024 |  | 1 A | A | A |  | KY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 223620013 | XX | XX | XX | 33700786 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700787 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-08): response | 04/25/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700788 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation | 04/25/2024 |  |  | 1 B A | B | A B |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700789 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-08): response | 04/25/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700791 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700793 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Title - Abstract / Title Search Fee increased from $[redacted] on the initial Loan Estimate to $[redacted] on the initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received PCCD, LOE and payment history for cure.<br>Seller Comment (2024-04-08): cure |  | 04/09/2024 |  | 2 C B | C | B C |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620013 | XX | XX | XX | 33700794 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Flood Certification (Life Of Loan) Fee increased from $[redacted] on the initial Loan Estimate to $[redacted] on the initial Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-04-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-04-08): cure | 04/09/2024 |  |  | 1 C A | C | A C |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620013 | XX | XX | XX | 33700795 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Original Valuation (AVM) overstated; [redacted] valuation w/in [redacted]% |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700797 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted][redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | PA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620013 | XX | XX | XX | 33700798 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-04-25): Sufficient Cure Provided At Closing |  | 04/25/2024 |  | 1 A |  | A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620014 | XX | XX | XX | 33700802 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or[redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is [redacted] QM - Rebuttable Presumption. Please see attached | 04/25/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700803 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]: Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation | 04/25/2024 |  |  | 1 B A | B | A B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700804 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is [redacted] QM - Rebuttable Presumption. Please see attached<br>Seller Comment (2024-04-08): Loan is [redacted]QM - Rebuttable Presumption. Full appraisal is not required. | 04/25/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700806 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700807 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700808 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700809 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Fee increased from $[redacted] on the initial Loan Estimate dated[redacted] to $[redacted] on the Closing Disclosure dated [redacted] without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-04-18): [redacted] received [redacted] for rate lock.<br>Seller Comment (2024-04-08): COC attached | 04/18/2024 |  |  | 1 C A | C | A C |  | MD | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Higher Priced QM (APOR) | Yes |
| 223620014 | XX | XX | XX | 33700811 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Original Valuation (AVM) overstated;[redacted] valuation w/in [redacted]% |  |  |  | Reviewer Comment (2024-03-24): S&D |  |  |  | 2 B | B | B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620014 | XX | XX | XX | 33700813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted][redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700814 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Investor to provide appropriate[redacted] valuation tool. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700816 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2024-04-18): Tax Certificate provided exception cleared<br>Seller Comment (2024-04-09): Taxes | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700817 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-09): APR response | 04/25/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700818 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700819 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-09): Response | 04/25/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700820 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Waterfall due to testing as HOEPA High-Cost Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice.<br>Seller Comment (2024-04-09): Disclosures | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700821 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Waterfall due to testing as HOEPA High-Cost Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice.<br>Seller Comment (2024-04-09): Disclosures | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700822 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Waterfall due to high-cost exception. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice.<br>Seller Comment (2024-04-09): misc | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700823 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of[redacted]% of the amount past due or grace period of less than[redacted]days. | Waterfall due to high-cost exception. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice. | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700824 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of[redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] (an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. | Non-compliant due to missing appraisal receipt. Missing undiscounted rate and price. Without the undiscounted rate and price, unable to verify points as Bonafide. Additional conditions may apply if standard [redacted] points/rate ratio is not met. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice.<br>Seller Comment (2024-04-09): Response | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700825 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Waterfall due to testing as HOEPA High-Cost Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice.<br>Seller Comment (2024-04-09): Disclosures | 04/18/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700826 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae[redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of[redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or .[redacted][redacted]%). | Waterfall due to testing as HOEPA High-Cost Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-18): Offset provided for non-affiliate portion of fees per Invoice. | 04/18/2024 |  |  | 1 B A | B | A B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700828 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [redacted] CD with no valid change evident. |  |  |  | Reviewer Comment (2024-05-07): [redacted]: On initial LE and revised LE inconsistent fee naming convention, but no actual fee tolerance violence's and received <br> detailed rebuttal comment and COC lieu of LOX for the fee name changed. Exception cleared.<br>Seller Comment (2024-05-03): The clerical error was corrected and reflected on the [redacted] loan estimate to: Lender's Title Insurance and was confirmed to be charged on the Alta settlement statement<br>Reviewer Comment (2024-04-25): Pages [redacted] Data Entry proof sheet does not show any evidence for adding Lenders Title insurance on CD. Rebuttal indicates this is a clerical error, however, ALTA settlement statement confirms $[redacted] title policy charge at consummation that was not previously disclosed on LE. LOE, refund check to cure, PCCD reflecting cure and proof of mailing required.<br>Seller Comment (2024-04-24): response<br>Seller Comment (2024-04-24): Please review pgs [redacted] of original upload<br>Reviewer Comment (2024-04-17): Rebuttal indicates this is a clerical error, however, ALTA settlement statement confirms $[redacted] title policy charge at consummation that was not previously disclosed on LE. LOE, refund check to cure, PCCD reflecting cure and proof of mailing required<br>Seller Comment (2024-04-09): TRID | 05/07/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [redacted] CD with no valid change evident. |  |  |  | Reviewer Comment (2024-04-17): Cured at closing<br>Seller Comment (2024-04-09): TRID | 04/17/2024 |  |  | 1 C A | C | A C |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee increased on [redacted] CD with no valid change evident. |  |  |  | Reviewer Comment (2024-04-25): [redacted] received Letter of Explanation, Payment History and Corrected PCCD.<br>Seller Comment (2024-04-24): The LOE and details were included in upload - please see pages [redacted]<br>Reviewer Comment (2024-04-17): [redacted]Cure was not reflected at closing, appears to have been cured on [redacted]CD, please provide LOE to borrower notifying borrower of error and servicing screenprint or other evidence of principal reduction applied to cure<br>Seller Comment (2024-04-09): TRID |  | 04/25/2024 |  | 2 C B | C | B C |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700833 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Original Valuation (AVM) overstated. |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | VA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620015 | XX | XX | XX | 33700836 |  | Compliance | Compliance | Federal Compliance | TRID | TRID[redacted] Percent Tolerance Violation With Sufficient Cure - [redacted](f)([redacted]) Cure | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-05-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/07/2024 |  | 1 A |  | A |  | VA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620015 | XX | XX | XX | 33700837 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure -[redacted]f)([redacted]) Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-05-07): Sufficient Cure Provided within [redacted] Days of Closing |  | 05/07/2024 |  | 1 A |  | A |  | VA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620016 | XX | XX | XX | 33700838 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower currently receives disability. AUS requirements include a copy of the disability policy or benefits statement to determine current eligibility for disability payments. Verification of disability monthly payments is documented, however the terms of disability, continuation and/or modification is not provided. |  |  |  | Reviewer Comment (2024-04-04): [redacted]Verification of Benefits provided. Exception cleared<br>Seller Comment (2024-04-03): Please see attached verification of [redacted] income. Please note, if this income was excluded DTI would be [redacted]% which is within tolerance, | 04/04/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700839 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Investor to provide appropriate [redacted] valuation tool. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700842 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide origination loan designation<br>Seller Comment (2024-04-08): Please see attached | 04/25/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700843 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700844 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-08): Loan is [redacted], full appraisal required, regardless of guidelines<br>Seller Comment (2024-04-03): This loan is a closed end second so an[redacted] and exterior inspection are acceptable in lieu of an appraisal. Since the income has been documented can this finding be cleared? | 04/25/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700846 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700849 |  | Compliance | Compliance | Federal Compliance | Other TILA Violations | TILA NMLSR - Individual Originator License Status Not Approved | [redacted](NMLSR[redacted][redacted]): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | Reviewer Comment (2024-04-19): Updated input<br>Seller Comment (2024-04-08): Per [redacted]Consumer Access, the Loan Officer is approved LO at time of the application, attached | 04/19/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700850 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of [redacted]% exceeds Guideline combined loan to value percentage of [redacted]%. |  |  |  |  |  |  |  | 3 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700851 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | [redacted]: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. | Since the loan is not paying off a same lender mortgage, transaction is not considered a lender-to-lender refinance and[redacted] is required. |  |  |  | Reviewer Comment (2024-04-19): [redacted] lien shows same lender<br>Seller Comment (2024-04-08): ROR [redacted] form is correct form. This is a refinance transaction with same lender. [redacted] was the original lender and loan is being refinanced with same lender. | 04/19/2024 |  |  | 1 C A | C | A C |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620016 | XX | XX | XX | 33700852 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Original Valuation (AVM) overstated; secondary valuation w/in [redacted]% |  |  |  | Reviewer Comment (2024-03-24): S&D reason |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620016 | XX | XX | XX | 33700854 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted][redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | CA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620017 | XX | XX | XX | 33700856 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file was missing documentation verifying the borrower's consent to receive electronic documentation. |  |  |  |  |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620017 | XX | XX | XX | 33700857 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within [redacted] days of the application date. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620017 | XX | XX | XX | 33700859 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] [redacted] - [redacted]% Points and Fees | [redacted][redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of .[redacted]% of the Federal Total Loan Amount and $[redacted]([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted]or [redacted]%). | Points and Fees on subject loan of[redacted]% is in excess of the investor allowable maximum of the greater of[redacted]% of the Federal Total Loan Amount and $[redacted] |  |  |  | Reviewer Comment (2024-03-21): Client waiver approved |  |  | 03/21/2024 | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Non QM | Yes |
| 223620017 | XX | XX | XX | 33700860 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620017 | XX | XX | XX | 33700861 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2024-04-02): As per Deal notes, Fraud report not required. Exception cleared<br>Seller Comment (2024-04-01): [redacted] does not provide fraud reports. This should be obtained by either [redacted] or [redacted] | 04/02/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620017 | XX | XX | XX | 33700863 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Original Valuation (AVM) overstated |  |  |  | Reviewer Comment (2024-03-21): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620018 | XX | XX | XX | 33700864 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700865 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-08): Attached | 04/25/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700866 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700867 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is ATR QM - ATR Exempt. Full appraisal is not required. | 04/25/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700869 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700870 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% +[redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700872 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Original Valuation (AVM) overstated |  |  |  | Reviewer Comment (2024-03-21): S&D reason |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700873 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | Missing master policy declaration page for the condo association |  |  |  | Reviewer Comment (2024-04-04): Master Hazard Policy provided. Exception cleared<br>Seller Comment (2024-04-03): Please see attached | 04/04/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620018 | XX | XX | XX | 33700875 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted][redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | OK | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700876 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: Original Valuation (AVM) overstated |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700877 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700878 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% +[redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is [redacted] QM Rebuttable Presumption. Full appraisal is not required. Attached | 04/25/2024 |  |  | 1 C A | C | A C |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700879 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700880 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is [redacted]QM Rebuttable Presumption. Full appraisal is not required | 04/25/2024 |  |  | 1 C A | C | A C |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700882 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is [redacted] QM Rebuttable Presumption. | 04/25/2024 |  |  | 1 B A C | B | A C B |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620019 | XX | XX | XX | 33700884 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay ([redacted][redacted]): Unable to verify debt obligations using reasonably reliable[redacted]-party records. | Credit report missing & alternative document not provided |  |  |  | Reviewer Comment (2024-04-04): Credit report provided. Exception cleared<br>Seller Comment (2024-04-03): Please see credit report attached | 04/04/2024 |  |  | 1 C A | C | A C |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700885 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay ([redacted] [redacted]): General Ability-to-Repay requirements not satisfied. | Credit report missing & alternative document not provided. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 A | A | A |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700887 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2024-04-04): Credit report provided. Exception cleared<br>Seller Comment (2024-04-03): Please see credit report attached | 04/04/2024 |  |  | 1 D A | D | A D |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700888 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided does not support the qualifying value.; Sec ID:[redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C A | C | C |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620019 | XX | XX | XX | 33700890 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted] [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | OH | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700891 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700893 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within [redacted]days of the application date. |  |  |  |  |  |  |  | 2 B | B | B |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700895 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted] or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% +[redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-09): response | 04/25/2024 |  |  | 1 C A | C | A C |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700896 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700897 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-19): Please provide origination loan designation<br>Seller Comment (2024-04-09): Response | 04/25/2024 |  |  | 1 C A | C | A C |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700898 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D reason - Original Valuation (AVM) overstated; secondary valuation w/in [redacted]% |  |  |  | Reviewer Comment (2024-03-24): S&D reason |  |  |  | 2 B | B | B |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700899 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | WVOE with income is needed to accurately calculate the income. The paystubs do not provide any YTD earnings. The income is paid out based off trips made and the amount for each trip varies. |  |  |  | Reviewer Comment (2024-04-04): WVOE Provided. Exception cleared<br>Seller Comment (2024-04-03): Please see WVOE attached | 04/04/2024 |  |  | 1 C A | C | A C |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700900 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-04-19): Received same, does not list[redacted]<br>Seller Comment (2024-04-09): [redacted] |  |  |  | 3 C | C | C |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620020 | XX | XX | XX | 33700902 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted] [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | KS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620021 | XX | XX | XX | 33700903 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D : Original Valuation (AVM) overstated; secondary valuation w/in [redacted]% |  |  |  | Reviewer Comment (2024-03-21): S&D |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620021 | XX | XX | XX | 33700904 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted]% Points and Fees | Fannie Mae [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of the greater of[redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Non QM | Yes |
| 223620021 | XX | XX | XX | 33700906 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620021 | XX | XX | XX | 33700908 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620021 | XX | XX | XX | 33700910 |  | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | [redacted]Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  | Reviewer Comment (2024-04-19): Received disclosure<br>Seller Comment (2024-04-08): [redacted] | 04/19/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620021 | XX | XX | XX | 33700911 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-04-19): Received policy showing[redacted]<br>Seller Comment (2024-04-08): [redacted] | 04/19/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620022 | XX | XX | XX | 33700912 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of[redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Provide origination loan designation.<br>Seller Comment (2024-04-08): Loan is [redacted]QM- Rebuttable Presumption. Please see attached<br>Seller Comment (2024-04-08): Loan is [redacted] QM- Rebuttable Presumption. Please see attached | 04/25/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700913 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700915 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700916 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID[redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount Fee increased from $[redacted] on the initial Loan Estimate dated [redacted]to $[redacted] on the Closing Disclosure dated [redacted]without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received [redacted] for increase in loan amount.<br>Seller Comment (2024-04-08): COC attached | 04/09/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620022 | XX | XX | XX | 33700919 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | Final closing disclosure reflects lender cure of $[redacted] |  |  |  | Reviewer Comment (2024-04-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2024-04-08): The increase in amount was cured on final CD section J. No additional cure amount is required. | 04/09/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620022 | XX | XX | XX | 33700920 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Not required as per guidelines. |  |  |  | Reviewer Comment (2024-04-04): Not required as per guidelines. Exception cleared<br>Seller Comment (2024-04-03): P[redacted] does not run Fraud Reports. If a report is required it will need to be ordered by [redacted] or [redacted] | 04/04/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700921 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-25): Client awaiting loan designation<br>Seller Comment (2024-04-23): Loan designation is [redacted] QM- Rebuttable Presumption.<br>Seller Comment (2024-04-23): Loan designation is[redacted] QM- Rebuttable Presumption. Uploaded Mavent Report<br>Reviewer Comment (2024-04-18): Provide origination loan designation.<br>Seller Comment (2024-04-08): Loan is [redacted]QM- Rebuttable Presumption. Full appraisal is not required. | 04/25/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700922 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-04-18): received policy with[redacted]<br>Seller Comment (2024-04-08): [redacted] attached | 04/18/2024 |  |  | 1 C A | C | A C |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700923 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided does not support the qualifying value.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 C A | C | C |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700924 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Original Valuation (AVM) overstated |  |  |  |  |  |  |  | 2 B | B | B |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620022 | XX | XX | XX | 33700925 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-04-09): Sufficient Cure Provided At Closing |  | 04/09/2024 |  | 1 A |  | A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620022 | XX | XX | XX | 33700927 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted] [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | OK | Primary | Refinance - Cash-out - Other | C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700928 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Provide origination loan designation.<br>Seller Comment (2024-04-09): Loan is QM Rebuttable Presumption. Full appraisal is not required.<br>Lock Date [redacted]<br> APR [redacted]%<br> Loan Term [redacted]<br> Rate Spread [redacted]%<br> APOR [redacted]% + [redacted]% =[redacted]% | 04/25/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700929 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted][redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700930 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule [redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Provide origination loan designation.<br>Seller Comment (2024-04-09): Loan is QM Rebuttable Presumption. Full appraisal is not required. | 04/25/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700932 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700935 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Original Valuation (AVM) overstated |  |  |  | Reviewer Comment (2024-03-26): S&D |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700936 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The insurance policy only lists the Lender's name as mortgagee without the required "ISAOA/ATIMA" verbiage. |  |  |  | Reviewer Comment (2024-04-18): received policy showing [redacted]<br>Seller Comment (2024-04-09): [redacted]attached | 04/18/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700937 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700938 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title search shows borrower only, first page of mortgage shows borrower only; signature page of mortgage is signed by borrower and borrower's spouse. Spouse also executed right to cancel. Unable to determine if vesting is accurate on title or if borrower's spouse should be listed on page [redacted]of mortgage. |  |  |  | Reviewer Comment (2024-04-18): Signed for homestead rights<br>Seller Comment (2024-04-09): Please see response | 04/18/2024 |  |  | 1 C A | C | A C |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620023 | XX | XX | XX | 33700940 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted][redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | IL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700941 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700942 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2024-04-08): E-sign Consent Agreement provided. Exception cleared<br>Seller Comment (2024-04-08): Consent | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700943 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide originator loan designation<br>Seller Comment (2024-04-08): response | 04/25/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700944 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted] [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700945 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted] [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide originator loan designation or full appraisal<br>Seller Comment (2024-04-08): Appraisal response | 04/25/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700947 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted][redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-04-19): Received proof of payoffs<br>Reviewer Comment (2024-04-18): DTI exceeds guideline maximum<br>Seller Comment (2024-04-08): response | 04/19/2024 |  |  | 1 B A C | B | A C B |  | RI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620024 | XX | XX | XX | 33700948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of[redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender did not include the HO6 insurance policy in the calculations |  |  |  | Reviewer Comment (2024-04-19): Received proof of payoffs | 04/19/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700949 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]: Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  | Reviewer Comment (2024-04-09): [redacted] received VCCs.<br>Seller Comment (2024-04-08): CIC's & LE's | 04/09/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620024 | XX | XX | XX | 33700952 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of[redacted]% exceeds Guideline total debt ratio of [redacted]%. - Lender did not include the [redacted] insurance policy in the calculations |  |  |  | Reviewer Comment (2024-04-19): Received proof of payoffs<br>Seller Comment (2024-04-18): The difference between your liabilities and ours is $[redacted]. We excluded two credit cards because they were paid off prior to closing. Please see attached.<br>Reviewer Comment (2024-04-08): DTI is [redacted]%, PITI calculations are $[redacted]<br>Seller Comment (2024-04-04): According to the[redacted] policy attached, the annual premium is $[redacted] = $[redacted]. This amount is already included in the DTI.<br>Seller Comment (2024-04-04): According to the [redacted] policy attached, the annual premium is $[redacted] = $[redacted]. This amount is already included in the DTI. | 04/19/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700953 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted] [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | due to credit |  |  |  | Reviewer Comment (2024-04-19): Received proof of payoffs<br>Reviewer Comment (2024-04-18): DTI exceeds guideline maximum<br>Seller Comment (2024-04-08): The exception of: [redacted] Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis was on the exception report however I do not see the exception listed above. Providing document | 04/19/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700954 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: AVM used wrong unit #, correct unit # updated AVM still supports CLTV less than program max |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700955 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AVM does not provide unit number |  |  |  | Reviewer Comment (2024-03-25): S&D reason |  |  |  | 3 C | C | C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700956 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-04-08): Received PDI | 04/08/2024 |  |  | 1 C A | C | A C |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620024 | XX | XX | XX | 33700958 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage ([redacted] [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | RI | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700959 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700960 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or[redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-05-08): Updated income input<br>Reviewer Comment (2024-04-25): Client awaiting loan designation<br>Seller Comment (2024-04-23): Loan designation is QM ATR Exempt.<br>Reviewer Comment (2024-04-18): Please provide originator loan designation<br>Seller Comment (2024-04-08): Loan is QM ATR Exempt. Please see attached | 05/08/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700961 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule [redacted] [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-05-08): Updated income input | 05/08/2024 |  |  | 1 B A | B | A B |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700962 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-05-08): Updated income input<br>Reviewer Comment (2024-04-25): Client awaiting loan designation<br>Seller Comment (2024-04-23): Loan designation is QM ATR Exempt. Appraisal is not required. Uploaded Mavent report<br>Reviewer Comment (2024-04-18): Please provide originator loan designation<br>Seller Comment (2024-04-08): Loan is QM ATR Exempt. Full appraisal is not required. | 05/08/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700964 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted] [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A C | B | A C B |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620025 | XX | XX | XX | 33700965 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay ([redacted] [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of[redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700966 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted] [redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700967 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | This loan was initially flagged for DQ but the DQ was later confirmed to be borrower confusion. See notes below<br> [redacted] payment made[redacted], but reversed due to incorrect account/routing information. The borrower spoke with customer service on [redacted] but didn't want to make the payment at that time. She wanted to look and see if the payment came out of her account first, she would make the payment via IVR after confirming the payment didn't clear. The borrower didn't make the payment until [redacted]. The borrower clearly made the [redacted]payment on[redacted]and the [redacted] payment on [redacted] but partial ([redacted]). |  |  |  | Reviewer Comment (2024-03-21): S&D |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700968 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | due to borrower income |  |  |  | Reviewer Comment (2024-05-08): Updated income<br>Seller Comment (2024-05-03): Per the written VOE the borrower received a raise on [redacted] which was only a month prior to the WVOE. The borrower's income is not hourly, it is an annual base (salary) so use of this income to qualify is reasonable. | 05/08/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted][redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | due to borrower income |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700970 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Restated loan designation |  |  |  | Reviewer Comment (2024-05-08): Updated income input<br>Seller Comment (2024-05-03): Per the written VOE the borrower received a raise on [redacted] which was only a month prior to the WVOE. The borrower's income is not hourly, it is an annual base (salary) so use of this income to qualify is reasonable. | 05/08/2024 |  |  | 1 A |  | A |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700971 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-05-08): Updated income input | 05/08/2024 |  |  | 1 A |  | A |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620025 | XX | XX | XX | 33700972 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [redacted][redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Restated loan designation |  |  |  | Reviewer Comment (2024-05-08): Updated income input | 05/08/2024 |  |  | 1 A |  | A |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620025 | XX | XX | XX | 33700974 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank[redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | GA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700975 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700976 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2024-04-04): [redacted]Verification of Benefits provided. Exception cleared<br>Seller Comment (2024-04-03): Please see VA income attached | 04/04/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700977 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML[redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% +[redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide originator loan designation<br>Seller Comment (2024-04-08): Response provided | 04/25/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700978 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule ([redacted] [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700979 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule ([redacted][redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation.<br>Reviewer Comment (2024-04-18): Please provide originator loan designation.<br>Seller Comment (2024-04-08): Response provided. | 04/25/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700981 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule ([redacted][redacted]): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700982 |  | Compliance | Compliance | State Compliance | Compliance | Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement | [redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest Safe Harbor for anti-flipping provisions. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation. | 04/25/2024 |  |  | 1 A | A | A |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700983 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Massachusetts Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | [redacted] Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation.<br>Reviewer Comment (2024-04-18): Please provide originator loan designation.<br>Seller Comment (2024-04-08): Response provided. | 04/25/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700984 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test Non-Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]% Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-18): Please provide originator loan designation.<br>Seller Comment (2024-04-08): Response provided. | 04/25/2024 |  |  | 1 C A | C | A C |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700986 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Servicing notes indicate the borrower attempted to make the payment on [redacted] and [redacted]; however, payment was rejected due to incorrect last name on the bank account. loan still due for [redacted] payment. |  |  |  | Reviewer Comment (2024-03-21): S&D reason |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | MA | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620026 | XX | XX | XX | 33700989 |  | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML Threshold Test Compliant | [redacted] Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR[redacted]% + [redacted]%, or [redacted]% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620027 | XX | XX | XX | 33700991 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 2 D A | N/A | N/A D |  | AL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620027 | XX | XX | XX | 33700994 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620027 | XX | XX | XX | 33700995 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation. | The closing disclosure dated [redacted] is not signed by borrower, therefore unable to determine exact received date. |  |  |  | Reviewer Comment (2024-03-24): S&D |  |  |  | 2 C B | C | B C |  | AL | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. B C | Non QM | Non QM | No |
| 223620027 | XX | XX | XX | 33700997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was originally disclosed at $[redacted]and final amount is $[redacted]. A cure in the amount of $[redacted]is required. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received valid COC documents.<br>Seller Comment (2024-04-08): CIC's | 04/09/2024 |  |  | 1 C A | C | A C |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620027 | XX | XX | XX | 33700998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was originally disclosed at $[redacted] and final amount is $[redacted]. A cure in the amount of $[redacted]is required. |  |  |  | Reviewer Comment (2024-04-09): [redacted] received valid COC documents.<br>Seller Comment (2024-04-08): CIC's | 04/09/2024 |  |  | 1 C A | C | A C |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620027 | XX | XX | XX | 33700999 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted]([redacted]) business days prior to consummation<br> [redacted] If the overstated APR was based on an overstated finance charge amount, then the additional [redacted] day waiting period would not be required. If this is not the case, then the [redacted] day wait would be required. The APR disclosed on the final CD ([redacted] @ [redacted]% Doc [redacted]) is considered to have become INACCURATE as compared to the APR disclosed on the prior CD ([redacted] @ [redacted]% Doc [redacted]) as defined under [redacted]since the disclosed APR on the final CD is [redacted] of a percent above or below the APR on the prior CD it was not based on an overstated finance charge. Finance charges increased which confirms they were not overstated. Therefore, an additional [redacted] day waiting period is required pursuant to [redacted](f)([redacted])(ii)(A) which refers to [redacted] to determine if APR became inaccurate. |  |  |  | Reviewer Comment (2024-03-24): S&D Reason |  |  |  | 2 B | B | B |  | AL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620028 | XX | XX | XX | 33701000 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | High Cost fail - [redacted] compliance disagrees with compliance failure. Cure provided > [redacted] days. Title - Abstract / Title Search was last disclosed as $[redacted]on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee, cure provided at closing. [redacted]: As stated originally, the vendor had originally sent over fees which resulted in moving the fees to correct fee labels. It is clerical in nature and TRID allows for system issue corrections. There is no change in the total fees |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620028 | XX | XX | XX | 33701001 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae [redacted] - [redacted]% Points and Fees | Fannie Mae [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted]on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted]or [redacted]%). |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D C B | Non QM | Non QM | Yes |
| 223620028 | XX | XX | XX | 33701003 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620028 | XX | XX | XX | 33701005 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620028 | XX | XX | XX | 33701006 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620028 | XX | XX | XX | 33701007 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Tolerance Violation Without Sufficient Cure Provided |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620028 | XX | XX | XX | 33701008 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted] is short $[redacted] as it does not meet Lender's documented cost to rebuild of $[redacted]. |  |  |  | Reviewer Comment (2024-04-09): Coverage does cover loan amount. Exception cleared<br>Seller Comment (2024-04-08): Insurance carrier determined by their "ISO [redacted] Value" that the insurance is maintained to the approximate replacement cost. Policy also states Law/Ordinance an additional [redacted] % | 04/09/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620028 | XX | XX | XX | 33701009 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Retirement income statement is missing. |  |  |  | Reviewer Comment (2024-04-02): Award Letter provided. Exception cleared<br>Seller Comment (2024-04-01): Please see attached | 04/02/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620028 | XX | XX | XX | 33701010 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Non QM | No |
| 223620029 | XX | XX | XX | 33701012 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: DTI increased to [redacted]% |  |  |  | Reviewer Comment (2024-03-24): S&D Reason |  |  |  | 2 B | B | B |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701013 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation.<br>Reviewer Comment (2024-04-17): Please provide origination loan designation.<br>Seller Comment (2024-04-08): Response | 04/25/2024 |  |  | 1 C A | C | A C |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701014 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation. | 04/25/2024 |  |  | 1 B A | B | A B |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701015 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 C A | C | A C |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701017 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701019 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701020 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage of $[redacted] does not meet replacement cost documented by lender of $[redacted] ; coverage does cover both first and second liens combined ($[redacted] and $[redacted]) |  |  |  | Reviewer Comment (2024-04-19): Received RCE from [redacted] ; RCE in file provided for review is [redacted] and would be more valid, coverage is insufficient.<br>Seller Comment (2024-04-18): HOI |  |  |  | 3 C | C | C |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620029 | XX | XX | XX | 33701022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | MS | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620030 | XX | XX | XX | 33701023 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary appraisal is not required on second lien. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701024 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Calculated annual percentage of [redacted]% exceeds threshold of [redacted]% |  |  |  | Reviewer Comment (2024-04-30): [Redacted] due to S&D<br>Reviewer Comment (2024-04-17): Please provide origination loan designation.<br>Seller Comment (2024-04-17): Loan is ATR Exempt and QM Eligible. Full appraisal is not required. The loan APR of [redacted]% did not exceed the Federal High Cost APR limit, which is [redacted]%. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701025 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701026 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  | Reviewer Comment (2024-04-30): [Redacted] due to S&D.<br>Reviewer Comment (2024-04-17): Please provide origination loan designation.<br>Seller Comment (2024-04-09): Loan is ATR Exempt and QM Eligible. Full appraisal is not required. The loan APR of [redacted] % did not exceed the Federal High Cost APR limit, which is [redacted] %.. |  |  |  | 2 C B | C | B C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701028 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure is due to Verification of employment is missing from the file. |  |  |  | Reviewer Comment (2024-04-08): received verification of business. | 04/08/2024 |  |  | 1 B A C | B | A C B |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Non QM | QM (APOR) Risk | Yes |
| 223620030 | XX | XX | XX | 33701029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Verification of employment is missing from the file. |  |  |  | Reviewer Comment (2024-04-08): received verification of business<br>Seller Comment (2024-04-05): This is a known issue. I have attached the documentation we obtained pre-closing, as well as documentation I pulled now. The question is: was the borrower's business inexistence at the time of closing? Based on the documentation presented the answer is Yes.<br>Seller Comment (2024-04-05): This is a known issue. I have attached the documentation we obtained pre-closing, as well as documentation I pulled now. The question is: was the borrower's business inexistence at the time of closing? Based on the documentation presented the answer is Yes. | 04/08/2024 |  |  | 1 C A | C | A C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701030 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Ability-to-Repay failure is due to Verification of employment is missing from the file. |  |  |  | Reviewer Comment (2024-04-08): received verification of business | 04/08/2024 |  |  | 1 A | A | A |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701031 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within [redacted] days of originator application date. |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701033 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - DTI updated to [redacted]% |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701034 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Per tax returns borrower pays taxes on a portion of the SSI. Cannot gross up full amount, only portion not taxed |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701035 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Per tax returns borrower pays taxes on a portion of the SSI. Cannot gross up full amount, only portion not taxed |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701036 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] (c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Per tax returns borrower pays taxes on a portion of the SSI. Cannot gross up full amount, only portion not taxed |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 3 C | C | C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701037 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to DTI exceeding guidelines |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 A |  | A |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | QM (APOR) Risk | Yes |
| 223620030 | XX | XX | XX | 33701038 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Restated loan designation |  |  |  | Reviewer Comment (2024-04-29): Due to defect |  |  |  | 3 B C |  | B C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C | Non QM | QM (APOR) Risk | Yes |
| 223620030 | XX | XX | XX | 33701039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [redacted](e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Restated loan designation |  |  |  | Reviewer Comment (2024-04-29): Due to defect |  |  |  | 3 C |  | C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620030 | XX | XX | XX | 33701040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2024-04-29): Due to defect |  |  |  | 3 C |  | C |  | NJ | Primary | Refinance - Cash-out - Other | D C | Non QM | QM (APOR) Risk | No |
| 223620031 | XX | XX | XX | 33701041 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-07): updated exception | 11/07/2024 |  |  | 1 D A | N/A | A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701042 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-05-01): Received evidence of borrower receipt of primary valuation within timing requirements. Compliance testing updated.<br>Reviewer Comment (2024-04-17): Please provide origination loan designation<br>Seller Comment (2024-04-08): Loan is Rebuttable Presumption. | 05/01/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701043 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-05-01): Received evidence of borrower receipt of primary valuation within timing requirements. Compliance testing updated.<br>Seller Comment (2024-05-01): See attached<br>Reviewer Comment (2024-04-29): Received response, please provide screen shot from the system referenced in the letter uploaded for review<br>Seller Comment (2024-04-23): Response<br>Reviewer Comment (2024-04-17): Must be provided, [redacted] business days prior to closing, no proof borrower received appraisal on [redacted]. Please provide proof of receipt.<br>Seller Comment (2024-04-17): The copy of the appraisal was emailed to borrower on [redacted] which is day [redacted], closing day was on [redacted] which is the [redacted]th business day. The [redacted]-business day rule was observed.<br>Reviewer Comment (2024-04-09): Exception Remains as note date is [redacted]and appraisal sent to borrower on [redacted] which is less than [redacted] business days.<br>Seller Comment (2024-04-08): Copy of appraisal was emailed to borrower on [redacted] which is more than [redacted]-business days from loan disbursement date of [redacted].Uploaded appraisal copy email | 05/01/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701045 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701046 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail due to loan is failing Points and Fees. |  |  |  | Reviewer Comment (2024-03-19): Due to S&D |  |  |  | 3 B C | B | B C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Non QM | QM (APOR) Fail | Yes |
| 223620031 | XX | XX | XX | 33701047 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank [redacted]): Unable to verify S-Corp income using reasonably reliable third-party records. | Signed and dated 1040 is missing. |  |  |  | Reviewer Comment (2024-03-19): S&D reason |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701048 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule F | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Farming income using reasonably reliable third-party records. | Signed and dated 1040 is missing. |  |  |  | Reviewer Comment (2024-03-19): S&D reason |  |  |  | 3 C | C | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701049 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Non QM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Signed and dated 1040 is missing. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 A | A | A |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701051 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-04-18): [redacted] received valid COC dated [redacted].<br>Seller Comment (2024-04-17): COC | 04/18/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | QM (APOR) Fail | Yes |
| 223620031 | XX | XX | XX | 33701052 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Missing signed tax returns |  |  |  | Reviewer Comment (2024-03-19): S&D |  |  |  | 2 B | B | B |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701053 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  |  |  |  | Reviewer Comment (2024-04-17): Received policy showing ISAOA<br>Seller Comment (2024-04-08): HOI attached | 04/17/2024 |  |  | 1 C A | C | A C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701054 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Restated loan designation |  |  |  | Reviewer Comment (2024-05-09): Due to QM fails for tax returns, S&D reason |  |  |  | 3 B C |  | B C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C B | Non QM | QM (APOR) Fail | Yes |
| 223620031 | XX | XX | XX | 33701055 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-05-09): S&D reason<br>Reviewer Comment (2024-05-08): missing signed returns<br>Seller Comment (2024-05-03): Please see business verification attached |  |  |  | 3 C |  | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule F | General QM: Unable to verify Farming income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2024-05-09): S&D reason<br>Reviewer Comment (2024-05-08): missing signed returns<br>Seller Comment (2024-05-03): The borrowers were qualified with a loss, therefore no need to verify the business. |  |  |  | 3 C |  | C |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620031 | XX | XX | XX | 33701058 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A |  | N/A D |  | OR | Primary | Refinance - Cash-out - Other | D C B | Non QM | QM (APOR) Fail | No |
| 223620032 | XX | XX | XX | 33701059 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan is not using the new FNMA Legal Documents. |  | Loan is not using Version [redacted] FNMA Legal Documents. |  |  |  |  |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701060 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Secondary valuation is not required as AVM Value is supported. |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701062 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file was missing a copy of the List Of Homeowner Counseling Checklist disclosure provided to the borrower within three business days of the Originator's application date. |  |  |  |  |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701064 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | [redacted] calculated APR exceeds APR threshold of [redacted]%. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-17): Please provide origination designation<br>Seller Comment (2024-04-08): Loan is HPML QM Rebuttable Presumption | 04/25/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701065 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Safe Harbor Test requirements are not satisfied due to AVM appraisal is used. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701066 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Safe Harbor Test requirements are not satisfied due to AVM appraisal is used. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-17): Please provide origination designation<br>Seller Comment (2024-04-08): Loan is HPML QM Rebuttable Presumption. Full appraisal is not required. | 04/25/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]]). | Finance charge disclosed on Final Closing Disclosure as $[redacted]. Calculated Finance Charge is $[redacted]for an Under disclosed amount of $[redacted]Reason for Finance Charge over disclosure is unknown as the Compliance Findings are missing. |  |  |  | Reviewer Comment (2024-03-24): S&D reason |  |  |  | 3 C | C | C |  | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Higher Priced QM (APOR) | Yes |
| 223620032 | XX | XX | XX | 33701068 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. |  |  |  | Reviewer Comment (2024-03-24): S&D |  |  |  | 2 B | B | B |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701069 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (2024-04-08): Hazard policy received before note date , Exception cleared<br>Seller Comment (2024-04-08): HOI prior attached | 04/08/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701070 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Only lender listed |  |  |  | Reviewer Comment (2024-04-08): We received hazard policy with lender name and its successors and assigns hence this has been resolved<br>Seller Comment (2024-04-08): HOI attached | 04/08/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701071 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage amount of $[redacted] does not meet [redacted] % of AVM value of $[redacted]. Coverage does cover both first and [redacted] lien amounts. Investor consideration required |  |  |  | Reviewer Comment (2024-04-09): Coverage does cover both first ([redacted]) and subject ([redacted]) liens. Exception cleared.<br>Seller Comment (2024-04-08): HOI dwelling coverage amount of $[redacted] is sufficient enough to cover the first and the second mortgage. | 04/09/2024 |  |  | 1 C A | C | A C |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620032 | XX | XX | XX | 33701073 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | WA | Primary | Refinance - Cash-out - Other | D C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701074 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | The supporting secondary valuation is missing |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701075 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-17): Please provide origination designation<br>Seller Comment (2024-04-08): Please see attached | 04/25/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701076 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701077 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Valuation document is not provided in file, only AVM report in file |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-03): Received property inspection report, not the same as an appraisal.<br>Seller Comment (2024-04-01): Please see the exterior inspection attached. | 04/25/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701078 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations to borrower is missing in file. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701079 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted] % or $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-03-19): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620033 | XX | XX | XX | 33701080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-03-19): S&D |  |  |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Higher Priced QM (APOR) | Yes |
| 223620033 | XX | XX | XX | 33701082 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least four business days prior to closing. |  |  |  | Reviewer Comment (2024-04-17): Disclosure tracking provided<br>Seller Comment (2024-04-08): Tracking attached. | 04/17/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701084 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Cure provided > [redacted] days. Fee was not disclosed on the Loan Estimate. A valid change of circumstance not provided for fee increase. As fee is paid to a lender affiliate and borrower did not shop for services, a [redacted]% tolerance is applied.<br> [redacted]: Increase in title fees. Title search fee increased from $[redacted] to $[redacted]. Cured amount required $[redacted]. |  |  |  | Reviewer Comment (2024-03-19): S&D reason |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701086 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620033 | XX | XX | XX | 33701087 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D B C | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701088 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A | N/A | N/A D |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701089 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-17): Please provide origination designation<br>Seller Comment (2024-04-09): Response | 04/25/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701090 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation | 04/25/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701091 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | Reviewer Comment (2024-04-25): Restated loan designation<br>Reviewer Comment (2024-04-17): Please provide origination designation.<br>Seller Comment (2024-04-09): Response | 04/25/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701093 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701095 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: High Cost fail - [redacted] compliance disagrees with compliance failure. Cure provided > [redacted] days. Title Abstract/Title Search was disclosed as $[redacted] on the Initial Loan Estimate, but disclosed as $[redacted] on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $[redacted] was not provided. [redacted]: The fee name is clerical in nature and TRID allows for system issue corrections. No Title fees were increased to the borrower. Fee disclosed to the borrower on the [redacted] CD - [redacted] days prior to close [redacted]: The fees were mapped incorrectly. The fees did not increase. The affiliated title company is relatively new and we had mapping issues with the fee (Name) This is solely a clerical issue. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701096 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage amount of $[redacted] does not meet lender documented cost of improvements of $[redacted]. Coverage amount does cover both the first ($[redacted]) and subject ($[redacted]) liens |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701098 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank [redacted]): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Restated loan designation |  |  |  |  |  |  |  | 2 A B |  | B A |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620034 | XX | XX | XX | 33701099 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C B | Non QM | Higher Priced QM (APOR) | No |
| 223620035 | XX | XX | XX | 33701101 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2024-04-08): Received PDI | 04/08/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701102 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-04-17): Received appraisal | 04/17/2024 |  |  | 1 D A | N/A | A D |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701103 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2024-04-17): received appraisal<br>Seller Comment (2024-04-09): NON QM | 04/17/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701104 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank [redacted]): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2024-04-17): Received appraisal | 04/17/2024 |  |  | 1 B A | B | A B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701105 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank [redacted]): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  | Reviewer Comment (2024-04-17): Received appraisal<br>Seller Comment (2024-04-09): Appraisal | 04/17/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701107 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701112 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year [redacted] Underdisclosed - October [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted]on Final Closing Disclosure provided on [redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year [redacted] of [redacted] on Final Closing Disclosure provided on [redacted] are under disclosed (Final/[redacted]) |  |  |  | Reviewer Comment (2024-04-17): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2024-04-09): CD |  | 04/17/2024 |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 223620035 | XX | XX | XX | 33701115 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient, So please provide COc/Final Cd for changed fee amount. |  |  |  | Reviewer Comment (2024-04-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Reviewer Comment (2024-04-17): Completed in error.<br>Reviewer Comment (2024-03-25): S&D |  | 04/17/2024 |  | 2 C B | C | B C |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620035 | XX | XX | XX | 33701116 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2024-04-17): received NRTC<br>Seller Comment (2024-04-09): NRTC | 04/17/2024 |  |  | 1 C A | C | A C |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 223620035 | XX | XX | XX | 33701117 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The insurance policy only lists the Lender's name as mortgagee without the required "ISAOA/ATIMA" verbiage. |  |  |  | Reviewer Comment (2024-04-17): Policy does not reflect Its Successors and or assigns, as required<br>Seller Comment (2024-04-09): The phrase now commonly appears in insurance policies purchased by builders, who may employ many subcontractors in the course of a project. A related insurance contract term is "its successors and/or assigns as their interests may appear" (ISAOA/ATIMA). |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701118 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Cure provided > [redacted] days [redacted]: The fee name is clerical in nature and TRID allows for system issue corrections. No Title fees were increased to the borrower. Fee disclosed to the borrower on the [redacted] Loan Estimate. [redacted]: The fees were mapped incorrectly. The fees did not increase. The affiliated title company is relatively new and we had mapping issues with the fee (Name) This is solely a clerical issue. The Total Title fees disclosed on the LE at $[redacted]- and $[redacted] was the total title fees charged. No tolerance cure is required. |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620035 | XX | XX | XX | 33701120 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | FL | Primary | Refinance - Cash-out - Other | D C B A | Non QM | Non QM | No |
| 223620036 | XX | XX | XX | 33701121 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing.; Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-11-07): updated exception | 11/07/2024 |  |  | 1 D A | N/A | A D |  | GA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620036 | XX | XX | XX | 33701124 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620036 | XX | XX | XX | 33701125 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Title Service Charges Fee was not disclosed on the Loan Estimate and was charged $[redacted] on the Closing Disclosure dated [redacted] without a valid change of circumstance. |  |  |  | Reviewer Comment (2024-03-25): S&D reason |  |  |  | 2 C B | C | B C |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620036 | XX | XX | XX | 33701127 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Final closing disclosure does not reflect any lender cure. |  |  |  | Reviewer Comment (2024-03-25): S&D reason |  |  |  | 2 C B | C | B C |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Non QM | Non QM | Yes |
| 223620036 | XX | XX | XX | 33701128 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason: Cure provided > [redacted] days. The Ten Percent Fee was not disclosed on the initial Loan Estimate was charged $[redacted] on the Final Closing Disclosure, change of circumstance does not specify why fees increased. |  |  |  | Reviewer Comment (2024-03-25): S&D |  |  |  | 2 B | B | B |  | GA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620036 | XX | XX | XX | 33701129 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  |  |  |  |  | 3 D A |  | N/A D |  | GA | Primary | Refinance - Cash-out - Other | D B C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701131 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2024-05-02): Final 1003 received, exception cleared<br>Seller Comment (2024-05-01): see executed Final 1003 | 05/02/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701132 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  | Reviewer Comment (2024-05-08): Buyer to review<br>Seller Comment (2024-05-03): Buyer to clear<br>Reviewer Comment (2024-05-03): EV2, nothing more needed if not satisfied<br>Seller Comment (2024-05-01): EV2 rating |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701133 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan ([redacted]): Mandatory escrow account not established on [redacted]st lien mortgage loan. |  |  |  |  | Seller Comment (2024-05-08): nothing for seller to clear<br>Reviewer Comment (2024-05-08): Per seller commentary, part of S&D<br>Seller Comment (2024-05-01): Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. D C | Non QM | Non QM | Yes |
| 223620037 | XX | XX |  | 33701134 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is equal to or greater than the threshold of APOR [redacted] % + [redacted] %, or [redacted] %. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Seller Comment (2024-05-08): nothing for seller to clear<br>Reviewer Comment (2024-05-08): Per seller commentary, part of S&D.<br>Seller Comment (2024-05-01): Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. |  |  |  | 3 C | C | C |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701135 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-05-08): Received direction to use [Redacted] guidelines<br>Reviewer Comment (2024-05-08): Mistakenly UTC<br>Reviewer Comment (2024-05-08): Per seller commentary, part of S&D<br>Seller Comment (2024-05-01): Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. | 05/08/2024 |  |  | 1 B A C | B | A C B |  | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 223620037 | XX | XX |  | 33701136 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. |  |  |  |  | Reviewer Comment (2024-05-08): Received direction to use [Redacted] guidelines<br>Seller Comment (2024-05-01): Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. | 05/08/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [redacted] contains a change in APR and was not received by borrower at least [redacted] ([redacted]) business days prior to consummation |  |  |  |  | Reviewer Comment (2024-05-03): [redacted] received proof of earlier electronic receipt<br>Seller Comment (2024-05-01): see CD LOE | 05/03/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Purchase | TRID timing exception, no remediation available. C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701138 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank [redacted]): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted]%, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, | Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: [redacted] %, LTV/CLTV: [redacted]%/[redacted]%, Credit Score: [redacted], Occupancy: Primary, Purpose: Purchase, |  |  |  | Reviewer Comment (2024-05-08): Received direction to use [Redacted] guidelines<br>Reviewer Comment (2024-05-08): Per seller commentary, part of S&D<br>Seller Comment (2024-05-01): Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. | 05/08/2024 |  |  | 1 C A | C | A C |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701140 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - Business Decision to close loan and fund with cash - Loan program was FHA, however the borrower has existing FHA financing on their current home and does not meet FHA standards for a second FHA insured loan. The loan program was changed to CONV FIX [redacted]. Loan was underwritten using DU with income / assets documented according to findings. Borrower was permitted to continue with [redacted]% down and no mortgage insurance was required to be obtained. Findings were permitted to have Refer/Eligible recommendation. |  |  |  | Reviewer Comment (2024-04-29): S&D reason |  |  |  | 2 B | B | B |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701141 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2024-05-08): Move to buyer queue<br>Seller Comment (2024-05-03): Buyer to clear<br>Reviewer Comment (2024-05-03): move to buyer queue<br>Seller Comment (2024-05-01): [Redacted] down to EV2 rating as FIMC is not responsible for secondary valuations on S&D trades |  |  |  | 3 D | D | D |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620037 | XX | XX |  | 33701142 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  |  |  |  |  | 3 C |  | C |  | GA | Primary | Purchase | D C | Non QM | Non QM | No |
| 223620038 | XX | XX |  | 33701143 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Investor ([redacted] Bank) rejected the loan for purchase due to Document Date. Mail Away Closing: Closing date on all the documents was [redacted] however, one of the borrowers signed after the closing date on [redacted] which was the funding date.<br> Per the investor, even though this was a mail away closing, no borrower should have signed after the closing date. |  |  |  | Reviewer Comment (2024-05-03): S&D reason |  |  |  | 2 B | B | B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223620038 | XX | XX |  | 33701145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current S-Corp status due to most recent Tax Return end date is older than [redacted] days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. |  |  |  |  | Reviewer Comment (2024-05-08): Updated with input of trailing income documentation<br>Seller Comment (2024-05-03): see 3rd party VOE documentation | 05/08/2024 |  |  | 1 C A | C | A C |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223620038 | XX | XX |  | 33701147 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2024-05-08): Updated with input of trailing income documentation<br>Seller Comment (2024-05-03): see compliance report | 05/08/2024 |  |  | 1 B A C | B | A C B |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223620038 | XX | XX |  | 33701148 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2024-05-08): Updated with input of trailing income documentation | 05/08/2024 |  |  | 1 A | A | A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223620038 | XX | XX |  | 33701149 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-05-06): [redacted] received detailed rebuttal comment that the consumer was allowed to shop for service and the fee is not bound by a tolerance.<br>Seller Comment (2024-05-03): There is no tolerance violation - per the [redacted] this was disclosed as $[redacted] for [redacted] and then title was shopped and the borrower selected Coast [redacted] Coast Lien Search & Mitigation which charged $[redacted] | 05/06/2024 |  |  | 1 C A | C | A C |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620038 | XX | XX |  | 33701150 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Reviewer Comment (2024-05-08): Buyer queue<br>Seller Comment (2024-05-03): Ev2 rating |  |  |  | 2 B | B | B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701151 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D: S&D Reason - Business Decision to close loan and fund with cash due to Incorrect Income Calculation - No MI: Original loan for this borrower was approved by underwriting and withdrawn by the branch. Underwriting considered the income seasonal however did not average the income over [redacted] months in [redacted] and utilized [redacted] and only the # of months the borrower worked in [redacted] along with the # of months worked in [redacted]. The income figure was not accurate and it was discovered when an exception was submitted for this loan. The loan program should be changed to FNMA conforming [redacted] and investor to Portfolio. <br> MI and all income and employment conditions should be waived but all other conditions will apply.<br>Updated Income Calculation:<br> $[redacted] base<br> $[redacted] OT<br> $[redacted] Unemployment compensation |  |  |  | Reviewer Comment (2024-05-03): S&D |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701152 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  |  |  |  |  | Seller Comment (2024-05-09): buyer to clear<br>Reviewer Comment (2024-05-08): Nothing more needed, EV2 per seller<br>Seller Comment (2024-05-03): EV2 rating |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701154 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Seller Comment (2024-05-09): buyer to clear<br>Reviewer Comment (2024-05-08): Nothing more needed, EV2 per seller commentary<br>Seller Comment (2024-05-03): Ev2 rating |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| 223620039 | XX | XX |  | 33701155 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least [redacted] ([redacted]) business days prior to closing. (Final/[redacted]) |  |  |  | Reviewer Comment (2024-05-06): [redacted] received [redacted] CD [redacted] business days prior to consummation.<br>Seller Comment (2024-05-03): see authentication documents that show this was viewed/signed on [redacted] | 05/06/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701157 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2024-05-08): [Redacted] due to S&D reason - part of S&D per seller<br>Seller Comment (2024-05-03): see compliance report |  |  |  | 3 B C | B | B C |  | MN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 223620039 | XX | XX |  | 33701158 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-05-09): Updated based on updated VOE<br>Reviewer Comment (2024-05-09): For review<br>Reviewer Comment (2024-05-08): [Redacted] due to S&D reason - part of S&D per seller<br>Seller Comment (2024-05-03): see other uploaded documentation and compliance report to clear | 05/09/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701159 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted] ([redacted]) business days prior to consummation. |  |  |  |  | Seller Comment (2024-05-09): buyer to clear<br>Reviewer Comment (2024-05-08): Nothing more needed, EV2 per seller commentary<br>Seller Comment (2024-05-03): EV2 rating |  |  |  | 2 B | B | B |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701160 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Income is seasonal and WVOE indicates borrower was laid off, letter shows borrower will be coming back. |  |  |  | Reviewer Comment (2024-05-09): Updated DTI based on updated VOE showing borrower back to work<br>Reviewer Comment (2024-05-09): For review<br>Reviewer Comment (2024-05-08): part of S&D per seller<br>Seller Comment (2024-05-03): reason for selling the loan was incorrect income calculation - see disclosed defect: Underwriting considered the income seasonal however did not average the income over [redacted] months in [redacted] and utilized [redacted] and only the # of months the borrower worked in [redacted] along with the # of months worked in [redacted] . The income figure was not accurate and it was discovered when an exception was submitted for this loan. | 05/09/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620039 | XX | XX |  | 33701161 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank [redacted]): The DTI calculated in accordance with the Lenders Guidelines and [redacted] (c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Due to DTI which is caused by the seasonal income |  |  |  | Reviewer Comment (2024-05-09): Updated input based on the updated VOE in file showing borrower is employed<br>Reviewer Comment (2024-05-09): For review<br>Reviewer Comment (2024-05-08): part of S&D per seller<br>Seller Comment (2024-05-03): reason for selling the loan - see disclosed defect. Incorrect Income Calculation directly impacts the DTI - this was a business decision to close and fund th loan | 05/09/2024 |  |  | 1 C A | C | A C |  | MN | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701162 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Proof of delivery is missing [redacted] business days prior to closing |  |  |  | Reviewer Comment (2024-05-31): Received in trailing documents. | 05/31/2024 |  |  | 1 B A | B | A B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701164 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701168 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Assignment Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Assignment Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620040 | XX | XX |  | 33701169 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 223620040 | XX | XX |  | 33701170 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [redacted]% | Ability-to-Repay (Dodd-Frank [redacted]): Unable to verify current K-1 (Less than [redacted]% Ownership) status using reasonably reliable third-party records. | [redacted] of the following missing documents/combinations is required for this income source: [redacted]) Most recent K-1 and most recent tax transcripts; [redacted]) Most recent K-1 and most recent signed, dated 1040s; [redacted]) Audited YTD P&L |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): [redacted] signed pages<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided<br>Seller Comment (2024-05-29): Income docs that we have in our file have been uploaded. I uploaded the Tax Transcripts, returns, and extension here in this exception. Not going to upload them for all of the others.<br>Seller Comment (2024-05-29): [redacted] Filed Extension<br>Seller Comment (2024-05-29): [redacted] Tax Return<br>Seller Comment (2024-05-29): Tax Transcipts<br>Seller Comment (2024-05-29): [redacted] Chapel [redacted] | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted] % | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted] % Ownership) income using reasonably reliable third-party records. | [redacted] of the following missing documents/combinations is required for this income source: [redacted]) Most recent K-1 and most recent tax transcripts; [redacted]) Most recent K-1 and most recent signed, dated 1040s; [redacted]) Audited YTD P&L |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted]and [redacted] returns not provided<br>Seller Comment (2024-05-29): uploaded docs for [redacted] in other exception | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [redacted] % | Ability to Repay (Dodd-Frank [redacted]): Unable to verify K-1 (Less than [redacted]% Ownership) income using reasonably reliable third-party records. | [redacted] of the following missing documents/combinations is required for this income source: [redacted]) Most recent K-1 and most recent tax transcripts; [redacted]) Most recent K-1 and most recent signed, dated 1040s; [redacted]) Audited YTD P&L |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): [redacted] K1 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): [redacted] 1065<br>Seller Comment (2024-05-29): doc uploaded | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided<br>Seller Comment (2024-05-29): docs uploaded<br>Seller Comment (2024-05-29): [redacted] 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701176 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | [redacted]of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. I m attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted]- Note date is [redacted] and [redacted]returns not provided<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701177 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | [redacted] of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns. |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] prop 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701178 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted]- Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701179 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] K1 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701180 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank [redacted]): Unable to verify Partnership income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: [redacted]) Most recent tax transcripts; [redacted]) Most recent signed, dated 1040s; [redacted]) Audited YTD P&L; [redacted]) Most recent Business tax transcripts; [redacted]) Most recent signed, dated 1065 returns |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): Final DU only required [redacted] year of most recent tax returns. [redacted] was not available as it was in the middle of an extension and not yet filed. We did finally get a copy of the signature pages for the [redacted] returns. Im attaching them here in a single PDF.<br>Reviewer Comment (2024-06-02): Nothing new received, returns are not signed, most recent provided is [redacted] - Note date is [redacted] and [redacted] returns not provided.<br>Seller Comment (2024-05-29): doc uploaded<br>Seller Comment (2024-05-29): [redacted] 1065 | 06/13/2024 |  |  | 1 C A | C | A C |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701181 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing required income document for borrower business incomes |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns<br>Seller Comment (2024-06-10): atr/qm is a "pass" per mavent<br>Seller Comment (2024-06-10): mavent | 06/13/2024 |  |  | 1 B A C | B | A C B |  | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 223620040 | XX | XX |  | 33701182 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank [redacted]): General Ability-to-Repay requirements not satisfied. | Missing required income document for borrower business incomes |  |  |  | Reviewer Comment (2024-06-13): Received trailing docs with signed returns | 06/13/2024 |  |  | 1 A | A | A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701183 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | S&D Reason - older loan, original defect dates back to nearly a year old: Borrowers are [redacted]% owner of some of the REOS. UW used [redacted]% of the PITIA to calculate net rental income. Agency requires [redacted]% of the PITIA to be used in this case. Resulting DTI with corrected figs is [redacted]% |  |  |  | Reviewer Comment (2024-05-06): S&D |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701184 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701185 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701186 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701187 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701188 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701189 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701190 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620040 | XX | XX |  | 33701191 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | EV2 recent tax return |  |  |  |  |  |  |  | 2 B |  | B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 223620066 | XX | XX |  | 33701434 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620066 | XX | XX |  | 33701435 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620066 | XX | XX |  | 33701436 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620066 | XX | XX |  | 33701437 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620066 | XX | XX |  | 33701438 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620067 | XX | XX | XX | 33701439 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620067 | XX | XX | XX | 33701440 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620067 | XX | XX | XX | 33701441 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty | [redacted] [redacted] penalty: No prepayment penalties are permissible in the state of [redacted] |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620067 | XX | XX | XX | 33701442 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620068 | XX | XX |  | 33701443 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701444 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701445 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 D | D | D |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701446 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701447 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 223620068 | XX | XX |  | 33701448 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701449 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701450 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620068 | XX | XX |  | 33701451 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B | B | B |  | DE | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620069 | XX | XX |  | 33701452 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620069 | XX | XX |  | 33701453 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620069 | XX | XX |  | 33701454 |  | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in [redacted] position. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620069 | XX | XX |  | 33701455 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620069 | XX | XX |  | 33701456 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620069 | XX | XX |  | 33701457 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620070 | XX | XX |  | 33701458 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701459 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 1 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701460 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701461 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701462 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620070 | XX | XX |  | 33701463 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701464 |  | Credit | Guideline | Guideline Issue | Guideline | Note loan amount is less than guideline minimum. | Note loan amount of ___ is less than guideline minimum loan amount of $[redacted]. |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701465 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701466 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620070 | XX | XX |  | 33701467 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620071 | XX | XX |  | 33701468 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701469 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701470 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701471 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 223620071 | XX | XX |  | 33701472 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223620071 | XX | XX |  | 33701473 |  | Credit | Guideline | Guideline Issue | Guideline | Note loan amount is less than guideline minimum. | Note loan amount of ___ is less than guideline minimum loan amount of $[redacted]. |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701474 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701475 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620071 | XX | XX |  | 33701476 |  | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a previous [redacted] [redacted] (a)([redacted]) loan due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 223620072 | XX | XX |  | 33701477 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701478 |  | Credit | Guideline | Guideline Issue | Guideline | Note loan amount is less than guideline minimum. | Note loan amount of ___ is less than guideline minimum loan amount of $[redacted]. |  |  |  |  |  |  |  |  | 3 C | C | C |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701479 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701480 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701481 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701482 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Seller Comment (2020-10-14): Not subject to high cost per AMC; Non-UAL state |  |  |  | 3 D | D | D |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701483 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D |  |  | No |
| 223620072 | XX | XX |  | 33701484 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | No Defined Cure |  |  | No |
| 223620072 | XX | XX |  | 33701485 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | No Defined Cure |  |  | No |
| 223620072 | XX | XX |  | 33701486 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  |  | 2 B | B | B |  | PA | Primary | Purchase | D |  |  | No |
| 223620073 | XX | XX |  | 33701487 |  | Credit | Guideline | Guideline Issue | Guideline | Note loan amount is less than guideline minimum. | Note loan amount of ___ is less than guideline minimum loan amount of $[redacted]. |  |  |  |  |  |  |  |  | 3 C | C | C |  | TX | Primary | Purchase | B |  |  | No |
| 223620073 | XX | XX |  | 33701488 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223620073 | XX | XX |  | 33701489 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223620073 | XX | XX |  | 33701490 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | B |  |  | No |
| 223620073 | XX | XX |  | 33701491 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | B | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223620075 | XX | XX |  | 33701492 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701493 |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701494 |  | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701495 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701496 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701497 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701498 |  | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701499 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  |  | 3 C D | C | D C |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701500 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701501 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Last Transaction Date | Last Transaction Date was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701502 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was [redacted]. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701503 |  | Compliance | Compliance | Federal Compliance | TILA | (Missing Data) Unable to determine if HELOC is a same lender refi | Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701504 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701505 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620075 | XX | XX |  | 33701506 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | MA | Primary | Refinance - UTD | C D |  |  | No |
| 223620076 | XX | XX |  | 33701507 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | OH | Investment | Purchase | B |  |  | No |
| 223620077 | XX | XX |  | 33701508 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701509 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | [redacted]% late charge exceeds [redacted]% maximum per state of [redacted] |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701510 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701511 |  | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701512 |  | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  |  | 3 C | C | C |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701513 |  | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701514 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701515 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701516 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701517 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701518 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620077 | XX | XX |  | 33701519 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620078 | XX | XX |  | 33701520 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620078 | XX | XX |  | 33701521 |  | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620078 | XX | XX |  | 33701522 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. HELOC Fee Agreement also not in file or does not disclose fees, any applicable Federal, State or Local compliance testing impacted by points and fees is unreliable. |  |  |  |  |  |  |  |  | 3 D | D | D |  | IL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 223620079 | XX | XX |  | 33701523 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 223620114 | XX | XX |  | 33701569 |  | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223620114 | XX | XX |  | 33701570 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223620114 | XX | XX |  | 33701571 |  | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  |  | 3 D | D | D |  | NY | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 223620146 | XX | XX |  | 33701605 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 1 C | C | C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620146 | XX | XX |  | 33701606 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 1 C | C | C |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620146 | XX | XX |  | 33701607 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620146 | XX | XX |  | 33701608 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 223620146 | XX | XX |  | 33701609 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223620146 | XX | XX |  | 33701610 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 223620146 | XX | XX |  | 33701611 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted]is underdisclosed from calculated Finance Charge of $[redacted]in the amount of $[redacted]. | TIL itemization did not disclose a Recording Service fee of $[redacted]as a prepaid finance charge. |  |  |  |  |  |  |  | 2 B | B | B |  | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223620147 | XX | XX |  | 33701613 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | B |  |  | No |
| 223620147 | XX | XX |  | 33701614 |  | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty Test | [redacted] Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | B |  |  | No |
| 223620147 | XX | XX |  | 33701615 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted] ([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 223620147 | XX | XX |  | 33701616 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | TN | Primary | Purchase | No Defined Cure B |  |  | No |
| 223620148 | XX | XX |  | 33701617 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | B |  |  | No |
| 223620148 | XX | XX |  | 33701618 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  | 1 C | C | C |  | VA | Primary | Purchase | B |  |  | No |
| 223620148 | XX | XX |  | 33701620 |  | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $[redacted] is underdisclosed from calculated Finance Charge of $[redacted] in the amount of $[redacted]. | Unable to determine under disclosure, due to missing itemization of amount financed. |  |  |  |  |  |  |  | 2 B | B | B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 223620149 | XX | XX |  | 33701621 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  | 1 C | C | C |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620149 | XX | XX |  | 33701622 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of [redacted] used as disbursement date for compliance testing. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620149 | XX | XX |  | 33701623 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620149 | XX | XX |  | 33701624 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 223620149 | XX | XX |  | 33701625 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within [redacted]([redacted]) days of application due to missing information. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223620149 | XX | XX |  | 33701626 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 223620149 | XX | XX |  | 33701627 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. |  |  |  |  |  |  |  |  | 2 B | B | B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 223620150 | XX | XX |  | 33701628 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within [redacted] ([redacted]) business days of application. |  |  |  |  |  |  |  |  | 2 B | B | B |  | NY | Primary | Purchase | B |  |  | No |
| 223620151 | XX | XX |  | 33701629 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  |  | 2 B | B | B |  | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/20/2025 10:36:50 AM** | **Run Date - 6/20/2025 10:36:50 AM** | **Run Date - 6/20/2025 10:36:50 AM** | **Run Date - 6/20/2025 10:36:50 AM** | **Run Date - 6/20/2025 10:36:50 AM** | **Run Date - 6/20/2025 10:36:50 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 223597812 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223597814 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223597827 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223597829 | XX | XX |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223597831 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | D |  | A | A | A | A | A |  | C | C | C | C | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223597833 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223597836 | XX | XX |  |  |  | C | C | C | C | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223597838 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223618126 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618127 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618128 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618129 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618130 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618131 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223618132 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618133 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618134 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618135 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618136 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618137 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618138 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618139 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618140 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618141 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618142 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618143 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618144 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618145 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618146 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618147 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618148 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618149 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618150 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618151 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618152 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618153 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618154 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618155 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618156 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618157 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618158 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223618159 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618160 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618161 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618162 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618163 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618164 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618165 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618166 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618167 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618168 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618169 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618170 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618171 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223618173 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223618174 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223618175 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618176 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223618177 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618178 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618179 | XX | XX |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223618180 | XX | XX |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618181 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223618182 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618183 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618184 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618185 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618186 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618187 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223618188 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618189 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618190 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223618191 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618192 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223618193 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618194 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618195 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618196 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618197 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618198 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618199 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618200 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618201 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618202 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618203 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618204 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618205 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618206 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618207 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223618208 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618209 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618210 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618211 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618212 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618213 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618214 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | A | A | A | A | A |  | B | B | B | B | B |  | D | B | D | C | D |  | D | B | D | C | D |  |
| 223618215 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618216 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618217 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618218 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223618219 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223618220 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619557 | XX | XX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619558 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619559 | XX | XX | XX |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619560 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619561 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619562 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619563 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619564 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619565 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619566 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619567 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619568 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619569 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619570 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619571 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | C | A |  | C | C | C | C | C |  |
| 223619572 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619573 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619574 | XX | XX |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619575 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619576 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619577 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619578 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619579 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619580 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619581 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619582 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619583 | XX | XX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619584 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619585 | XX | XX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619586 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619587 | XX | XX |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619588 | XX | XX | XX |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619589 | XX | XX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | B |  | A | A | A | A | B |  |
| 223619598 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |
| 223619599 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |
| 223619600 | XX | XX | XX |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619601 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619602 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619603 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619604 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619605 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223619606 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619607 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223619608 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223619609 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223619610 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | RA | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223619611 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223619612 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619613 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619614 | XX | XX | XX |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |
| 223619615 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619616 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619617 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619618 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619619 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619620 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619621 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619622 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619623 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619624 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619625 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619626 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619627 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223619628 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619629 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619630 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619631 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619632 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619633 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |
| 223619634 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619635 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619636 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619637 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223619638 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619639 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |
| 223619640 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619641 | XX | XX | XX |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |
| 223619642 | XX | XX | XX |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223619643 | XX | XX | XX |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619644 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619645 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619646 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619648 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619649 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619650 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619651 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619652 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619653 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619654 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619655 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619656 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619657 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619658 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619659 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223619660 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619661 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619662 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619663 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619664 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223619665 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619666 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619667 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | RD | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223619668 | XX | XX | XX |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | C |  |  |  |  |  |  | B | B | B | B | B | C |
| 223619669 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619670 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619671 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619672 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A |
| 223619673 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |
| 223619674 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619675 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | RB | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619676 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |
| 223619677 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619678 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619679 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619680 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619681 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619682 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619683 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619684 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619685 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619686 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619687 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619688 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619689 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619690 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619691 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619692 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619693 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223619695 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619696 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619697 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619698 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619699 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619700 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619701 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619702 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619703 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619704 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619705 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619706 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619707 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619708 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619709 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619710 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619711 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619712 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619713 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619714 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619715 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619716 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223619717 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619718 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619719 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619720 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619721 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223619722 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619723 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619724 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223619725 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223619729 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619730 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | C | A | C | A | C |  | C | B | C | B | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | B |  | B | B | B | B | B |  |
| 223619731 | XX | XX | XX |  |  | D | D | D | D | D |  | B | B | B | B | B |  | D | A | N/A | A | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619732 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | C | C | C | C | C |  | C | C | C | C | C |  | C | A | C | N/A | C |  | C | C | C | C | C |  |
| 223619733 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619734 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619735 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619736 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619737 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619738 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | D | A | D |  | D | C | D | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619739 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619740 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619741 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619742 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619743 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619744 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619745 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619746 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619747 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | C | C | C | C | C |  | A | A | A | A | A |  | C | A | C | N/A | C |  | C | C | C | C | C |  |
| 223619748 | XX | XX | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | A | A | A | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | N/A | A |  | A | A | A | A | A |  |
| 223619749 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619750 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619751 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619752 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619753 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619754 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619755 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | C | A | C | A | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | N/A | B |  | C | C | C | C | C |  |
| 223619756 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619757 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619758 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619759 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | B | B | B | B | B |  | C | A | C | N/A | C |  | C | B | C | B | C |  |
| 223619760 | XX | XX | XX |  |  | D | D | D | D | D |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619761 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619762 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619763 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619764 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619765 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619766 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619767 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | A | N/A | A | D |  | D | B | B | B | D |  | C | C | C | C | C |  | A | A | A | A | A |  | C | A | C | N/A | C |  | C | C | C | C | C |  |
| 223619768 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619769 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | A | D |  | D | C | C | C | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619770 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | N/A | D |  | D | D | D | C | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | N/A | D |  | D | D | D | C | D |  |
| 223619772 | XX | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | C | C | C | C | C |  |
| 223619773 | XX | XX |  |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619774 | XX | XX |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223619777 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619778 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619779 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619780 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619781 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | D | D | D |  | D | C | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619782 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | D | D | D | D |  |
| 223619783 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619784 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619785 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223619786 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619787 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619788 | XX | XX |  |  |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619789 | XX | XX |  |  |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619790 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619791 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619792 | XX | XX | XX |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223619793 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619794 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619795 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619796 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619797 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619798 | XX | XX | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619799 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619800 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619801 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619802 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619803 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619804 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619805 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | D | C | D |  | D | C | D | C | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | D | C | D |  | D | C | D | C | D |  |
| 223619806 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619807 | XX | XX |  |  |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223619808 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619809 | XX | XX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619810 | XX | XX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619811 | XX | XX |  |  |  | B | B | C | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | C | B | B |  | B | B | C | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | C | B | B |  |
| 223619813 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619814 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619815 | XX | XX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619816 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619817 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619818 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619819 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619820 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619821 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619822 | XX | XX |  |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223619823 | XX | XX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619824 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619825 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619826 | XX | XX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619827 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619828 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | D | D | D |  | D | C | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | D | D | D |  | D | C | D | D | D |  |
| 223619829 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619830 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | D | D | D |  | D | C | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | D | D | D |  | D | C | D | D | D |  |
| 223619831 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619832 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619833 | XX | XX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619834 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619835 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619836 | XX | XX |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619837 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619838 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619839 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619840 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | B | B | B | B | B |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  |
| 223619841 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619842 | XX | XX |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619843 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619844 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619845 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619846 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | C | D | D | D |  | D | C | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619847 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | B | B | B | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619848 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | B | B | B | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619849 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | B | B | B | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619850 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619851 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | B | B | B | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619852 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | C | C | C | C | C |  | A | B | B | B | A |  | A | B | A | D | D |  | C | C | C | D | D |  |
| 223619853 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619854 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619855 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619856 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619857 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619858 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619859 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619860 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | C | B | C | B |  | A | A | A | A | A |  | B | C | B | C | B |  |
| 223619861 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619862 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619863 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619864 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619865 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619866 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619867 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619868 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | B | A | D | D |  | B | B | B | D | D |  |
| 223619869 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619870 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619871 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619872 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619873 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619874 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | B | D | C | D |  | D | C | D | C | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619875 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619876 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619877 | XX | XX |  |  |  | B | B | B | B | B |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619878 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619879 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619880 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619881 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619882 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | B | B | B | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619883 | XX | XX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619884 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619885 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619886 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619887 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619888 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619889 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619890 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619891 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619892 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619893 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619894 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | B | B | B | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619895 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619896 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619897 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619898 | XX | XX | XX |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619899 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619900 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619901 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | B | B | B | A |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619902 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619903 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619904 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619905 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619906 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619907 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619908 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619909 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619910 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619911 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619912 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619913 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619914 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619915 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619916 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619917 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619918 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619919 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619920 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619921 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619922 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619923 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619924 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619925 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619926 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619927 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619928 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619929 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619930 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619931 | XX | XX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619932 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619933 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619934 | XX | XX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619935 | XX | XX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223619936 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| 223619937 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619938 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619939 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223619940 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | D | C | C |  | A | A | A | A | A |  | A | A | A | N/A | A |  | C | C | D | C | C |  |
| 223619941 | XX | XX |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619942 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | A | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | A | C | N/A | C |  | C | C | C | C | C |  |
| 223619943 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619944 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619945 | XX | XX |  |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | D | B | B |  | A | B | B | B | A |  | D | A | N/A | N/A | D |  | D | B | D | B | D |  |
| 223619946 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619947 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619948 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | C | D |  |
| 223619949 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619950 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619951 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | D | N/A | D |  | D | C | D | C | D |  |
| 223619952 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619953 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619954 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619955 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619956 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619957 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619958 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619959 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619960 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223619961 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | B | D |  |
| 223619962 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | D | N/A | D |  | D | B | D | B | D |  |
| 223619963 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619964 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619965 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619966 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619967 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619968 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619969 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619970 | XX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619971 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619972 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | B | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619973 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619974 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619975 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619976 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223619977 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | B | D |  |
| 223619978 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223619979 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | D | A | D |  | D | C | D | C | D |  | C | C | C | C | C |  | A | B | B | B | A |  | D | A | D | N/A | D |  | D | C | D | C | D |  |
| 223619980 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | B | D |  |
| 223619981 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | A | B | B | B | A |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223619982 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223619983 | XX | XX |  |  |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619984 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619985 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619986 | XX | XX |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619987 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619988 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619989 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619990 | XX | XX |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619991 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619992 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619993 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619994 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223619995 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619996 | XX | XX |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619997 | XX | XX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619998 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223619999 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223620000 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620001 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620002 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223620003 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620004 | XX | XX | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  |
| 223620005 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620006 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  |
| 223620007 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  |
| 223620008 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223620009 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | A | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620010 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | B | D |  |
| 223620011 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | C | A | C | C | C |  | C | B | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | C | A | C | N/A | C |  | C | B | C | B | C |  |
| 223620012 | XX | XX | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | D | D | N/A | D |  | D | D | D | B | D |  |
| 223620013 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620014 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | N/A | A |  | B | B | B | B | B |  |
| 223620015 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620016 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620017 | XX | XX | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620018 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620019 | XX | XX | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | C | A | C | C | C |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | C | A | C | N/A | C |  | C | B | C | B | C |  |
| 223620020 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620021 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620022 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | A | C | C | C |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | C | A | C | N/A | C |  | C | B | C | B | C |  |
| 223620023 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620024 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620025 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620026 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620027 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620028 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620029 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620030 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620031 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620032 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620033 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620034 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | C | C | C | D |  |
| 223620035 | XX | XX | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | N/A | A |  | C | C | C | C | C |  |
| 223620036 | XX | XX | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | D | A | N/A | D | D |  | D | C | C | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | D | A | N/A | N/A | D |  | D | B | B | B | D |  |
| 223620037 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  |
| 223620038 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620039 | XX | XX |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | C | B | C | B |  | A | A | A | A | A |  | B | C | B | C | B |  |
| 223620040 | XX | XX |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223620066 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223620067 | XX | XX | XX |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223620068 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223620069 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620070 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620071 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620072 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223620073 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620074 | XX | XX |  |  |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  |
| 223620075 | XX | XX |  |  |  |  |  |  |  |  |  | C | C | C | C | RC | C |  |  |  |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | D | D | D | D | D | D |  |  |  |  |  |  | D | D | D | D | D | D |
| 223620076 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223620077 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |  |  |  |  |  |  | B | B | B | B | B | B |
| 223620078 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223620079 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620114 | XX | XX |  |  |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | D | D | D | D | D |  |
| 223620146 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620147 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620148 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620149 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620150 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |
| 223620151 | XX | XX |  |  |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | B | B | B | B | B |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/20/2025 10:36:54 AM** | **Run Date - 6/20/2025 10:36:54 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 223597812 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223597814 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223597827 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223597829 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223597831 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 223597833 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223597836 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223597838 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.639% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223618126 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618127 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618128 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618129 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618130 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618131 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618132 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618133 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618134 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618135 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618136 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618137 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618138 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618139 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618140 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618141 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618142 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618143 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618144 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618145 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618146 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618147 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618148 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618149 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618150 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618151 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618152 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618153 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618154 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618155 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618156 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618157 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618158 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618159 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618160 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618161 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618162 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618163 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618164 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618165 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618166 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618167 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618168 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618169 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618170 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618171 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618173 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618174 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223618175 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618176 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 223618177 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.90 |
| 223618178 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618179 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618180 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618181 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618182 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618183 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618184 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 223618185 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223618186 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223618187 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 223618188 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 223618189 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618190 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 223618191 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223618192 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223618193 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223618194 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618195 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618196 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618197 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223618198 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618199 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618200 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223618201 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618202 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618203 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618204 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618205 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618206 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618207 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223618208 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618209 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618210 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618211 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618212 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618213 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618214 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618215 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618216 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223618217 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618218 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223618219 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223618220 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619557 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 223619558 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619559 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223619560 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619561 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.250% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619562 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619563 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619564 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 223619565 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619566 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223619567 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619568 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619569 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619570 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619571 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -32.614% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -32.614% |  |  |  |  |  |  | No |  | 2.50 |
| 223619572 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619573 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619574 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.778% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619575 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619576 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.333% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619577 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 223619578 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619579 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619580 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619581 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619582 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.714% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619583 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 223619584 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619585 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619586 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.403% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619587 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619588 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |
| 223619589 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | 33.333% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619598 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619599 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619600 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619601 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619602 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.507% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.507% |  |  |  |  |  |  |  |  |  |
| 223619603 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619604 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -29.032% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -20.968% |  |  |  |  |  |  |  |  |  |
| 223619605 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619606 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619607 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619608 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619609 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619610 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619611 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619612 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619613 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619614 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619615 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619616 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619617 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619618 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619619 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619620 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619621 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619622 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619623 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619624 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619625 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619626 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619627 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619628 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619629 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619630 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619631 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619632 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619633 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619634 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619635 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619636 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619637 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619638 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619639 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619640 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619641 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619642 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619643 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619644 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619645 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619646 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619648 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619649 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619650 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619651 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619652 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619653 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619654 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619655 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619656 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619657 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619658 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619659 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619660 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619661 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619662 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619663 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619664 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619665 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619666 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619667 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619668 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619669 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619670 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619671 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619672 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619673 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619674 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619675 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619676 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619677 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619678 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619679 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619680 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619681 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619682 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619683 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619684 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619685 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619686 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619687 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619688 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619689 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619690 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619691 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619692 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619693 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619695 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619696 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619697 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619698 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619699 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619700 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619701 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619702 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619703 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619704 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619705 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619706 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619707 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619708 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619709 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619710 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619711 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619712 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619713 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619714 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619715 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619716 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619717 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619718 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619719 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619720 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619721 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619722 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619723 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619724 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619725 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619729 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | -9.012% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.012% |  |  |  |  |  |  | N/A |  |  |
| 223619730 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -13.844% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| 223619731 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  | 3.337% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.337% |  |  |  |  |  |  | N/A |  |  |
| 223619732 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  | -11.509% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -11.509% |  |  |  |  |  |  | N/A |  |  |
| 223619733 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  | 6.881% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.881% |  |  |  |  |  |  | N/A |  |  |
| 223619734 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.8 |  |  | 0.932% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.932% |  |  |  |  |  |  | N/A |  |  |
| 223619735 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  | 2.967% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.967% |  |  |  |  |  |  | N/A |  |  |
| 223619736 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | -6.007% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.008% |  |  |  |  |  |  | N/A |  |  |
| 223619737 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  | 1.196% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.196% |  |  |  |  |  |  | N/A |  |  |
| 223619738 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 223619739 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.047% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223619740 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.8 |  |  | -0.489% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.490% |  |  |  |  |  |  | N/A |  |  |
| 223619741 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | -4.419% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.419% |  |  |  |  |  |  | N/A |  |  |
| 223619742 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  | -4.879% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.879% |  |  |  |  |  |  | N/A |  |  |
| 223619743 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223619744 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0 |  |  | 0.163% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.163% |  |  |  |  |  |  | N/A |  |  |
| 223619745 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  | -1.896% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.896% |  |  |  |  |  |  | N/A |  |  |
| 223619746 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  | 7.215% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.215% |  |  |  |  |  |  | N/A |  |  |
| 223619747 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  | -10.404% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -10.404% |  |  |  |  |  |  | N/A |  |  |
| 223619748 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  | -0.986% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.986% |  |  |  |  |  |  | N/A |  |  |
| 223619749 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  | -9.666% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619750 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 22.735% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619751 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.360% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619752 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 15.511% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619753 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  | 3.903% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619754 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.901% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619755 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -11.128% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619756 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  | 6.771% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.771% |  |  |  |  |  |  | N/A |  |  |
| 223619757 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  | 3.992% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.992% |  |  |  |  |  |  | N/A |  |  |
| 223619758 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  | -9.479% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.479% |  |  |  |  |  |  | N/A |  |  |
| 223619759 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | -21.097% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -21.097% |  |  |  |  |  |  | N/A |  |  |
| 223619760 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 1 |  |  | 12.045% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.045% |  |  |  |  |  |  | N/A |  |  |
| 223619761 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  | 3.141% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.141% |  |  |  |  |  |  | N/A |  |  |
| 223619762 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | 9.842% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.842% |  |  |  |  |  |  | N/A |  |  |
| 223619763 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  | 7.034% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.035% |  |  |  |  |  |  | N/A |  |  |
| 223619764 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  | 13.327% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.327% |  |  |  |  |  |  | N/A |  |  |
| 223619765 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.434% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619766 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619767 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  | -17.118% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -17.118% |  |  |  |  |  |  | N/A |  |  |
| 223619768 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.9 |  |  | 3.544% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.544% |  |  |  |  |  |  | N/A |  |  |
| 223619769 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  | 3.088% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.088% |  |  |  |  |  |  | N/A |  |  |
| 223619770 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Desk-Top Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619772 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223619773 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.000% |  |  |  |  |  |  | Yes |  | 2.60 |
| 223619774 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | 8.696% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.797% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.696% |  |  |  |  |  |  | Yes |  |  |
| 223619777 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619778 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619779 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619780 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619781 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619782 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619783 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619784 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619785 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619786 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619787 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.20 |
| 223619788 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 223619789 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619790 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.00 |
| 223619791 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 223619792 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619793 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223619794 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619795 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619796 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 223619797 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223619798 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| 223619799 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223619800 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619801 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 223619802 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.000% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619803 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 223619804 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.80 |
| 223619805 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619806 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223619807 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619808 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223619809 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619810 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223619811 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619813 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619814 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223619815 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619816 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619817 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619818 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.317% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619819 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619820 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 223619821 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619822 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619823 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.50 |
| 223619824 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| 223619825 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.40 |
| 223619826 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.50 |
| 223619827 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.50 |
| 223619828 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619829 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 223619830 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619831 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223619832 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619833 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 223619834 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223619835 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619836 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.558% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619837 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619838 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.865% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.865% |  |  |  |  |  |  | N/A |  |  |
| 223619839 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.893% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.893% |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619840 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | 1.527% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.527% |  |  |  |  |  |  | N/A |  |  |
| 223619841 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.60 |
| 223619842 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619843 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.434% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619844 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619845 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619846 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619847 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| 223619848 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619849 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619850 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.50 |
| 223619851 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 223619852 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | 9.167% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.167% |  |  |  |  |  |  | N/A |  |  |
| 223619853 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619854 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619855 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223619856 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619857 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 223619858 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619859 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223619860 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619861 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 5.00 |
| 223619862 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619863 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619864 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 223619865 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223619866 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 223619867 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.70 |
| 223619868 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | 3.822% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.822% |  |  |  |  |  |  | N/A |  |  |
| 223619869 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223619870 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 223619871 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 223619872 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 223619873 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -33.478% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -33.478% |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 223619874 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  | -0.214% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.214% |  |  |  |  |  |  | N/A |  |  |
| 223619875 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619876 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619877 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 223619878 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619879 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619880 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 223619881 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619882 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223619883 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619884 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619885 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 223619886 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 223619887 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 223619888 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 223619889 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619890 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 223619891 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223619892 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.00 |
| 223619893 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619894 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223619895 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.60 |
| 223619896 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223619897 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619898 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619899 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223619900 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 223619901 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619902 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619903 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 223619904 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| 223619905 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 223619906 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223619907 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619908 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619909 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.50 |
| 223619910 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 223619911 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 223619912 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619913 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223619914 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619915 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 223619916 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223619917 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 223619918 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619919 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.844% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.844% |  |  |  |  |  |  | No |  | 1.30 |
| 223619920 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619921 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619922 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619923 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223619924 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| 223619925 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619926 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 28.485% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.485% |  |  |  |  |  |  | N/A |  |  |
| 223619927 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619928 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 5.00 |
| 223619929 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 223619930 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223619931 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 223619932 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619933 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 223619934 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| 223619935 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619936 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619937 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.791% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.791% |  |  |  |  |  |  | N/A |  |  |
| 223619938 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619939 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 223619940 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  | 12.649% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619941 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619942 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -22.795% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| 223619943 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223619944 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 223619945 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619946 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223619947 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 223619948 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619949 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619950 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619951 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 223619952 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619953 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619954 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.829% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619955 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 |
| 223619956 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619957 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 38.532% |  |  | AVM |  | 0.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619958 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619959 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 7.751% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619960 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.788% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619961 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619962 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619963 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619964 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619965 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -26.617% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -26.617% |  |  |  |  |  |  | No |  | 5.00 |
| 223619966 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223619967 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223619968 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619969 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619970 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619971 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.691% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| 223619972 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223619973 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -20.683% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| 223619974 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.184% |  |  | AVM |  | 0.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 223619975 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.115% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 223619976 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619977 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619978 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.429% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223619979 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  | 6.833% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619980 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619981 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619982 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619983 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 15.254% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.254% |  |  |  |  |  |  | N/A |  |  |
| 223619984 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223619985 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 223619986 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619987 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619988 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619989 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 223619990 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223619991 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619992 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619993 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 223619994 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223619995 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 223619996 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223619997 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 223619998 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 223619999 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223620000 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223620001 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 223620002 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 223620003 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223620004 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| 223620005 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 223620006 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 223620007 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620008 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.380% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620009 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -36.225% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.80 |
| 223620010 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -38.686% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620011 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -33.752% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620012 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.809% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620013 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620014 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  | -4.235% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.235% |  |  |  |  |  |  | N/A |  |  |
| 223620015 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620016 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620017 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620018 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620019 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  | -11.144% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620020 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620021 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620022 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  | -17.203% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -17.203% |  |  |  |  |  |  | N/A |  |  |
| 223620023 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620024 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620025 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620026 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620027 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620028 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620029 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620030 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620031 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620032 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620033 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620034 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620035 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 7.706% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620036 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620037 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223620038 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223620039 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 223620040 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.850% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.850% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.850% |  |  |  |  |  |  | No |  |  |
| 223620066 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620067 | XX | XX | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620068 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620069 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620070 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620071 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620072 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620073 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620074 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620075 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620076 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620077 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620078 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620079 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620114 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620146 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620147 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620148 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620149 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620150 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620151 | XX | XX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** | **ASF Addendum - Business Purpose** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/20/2025 10:36:59 AM** | **Run Date - 6/20/2025 10:36:59 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 223597812 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3850.00 | Third Party Rental Source | $3833.70 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3833.70 |  |  | No |  |  |  | Long Term |  | $3850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 |  |  | $983.23 | $100.00 | Level 3-Stated/Partially Verified | No | 1 | 0 | No | No |  | Experienced Investor |  | US Citizen |  | 811 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 08/07/2023 | 809 | Fair Isaac (VER. 2) | 811 | FICO Classic V5 Facta | 823 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 78.989% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 223597814 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $7500.00 | Third Party Rental Source | $4182.88 |  | 0.000000 | 0.56 |  |  | 1.79 | 1.79 | $4182.88 |  |  | No |  |  |  | Long Term |  | $7500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $45000.00 |  |  | $324.37 | $314.64 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 09/19/2023 | 752 | Fair Isaac (VER. 2) | 750 | Beacon 5 | 775 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 09/19/2023 | 812 | Fair Isaac (VER. 2) | 795 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 223597827 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $1046.23 |  | 0.305213 |  |  |  |  |  | $1046.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $110.17 | $61.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 24.76 | US Citizen |  | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/24/2023 |  |  | 668 | Beacon 5 | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223597829 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $1439.51 |  | 0.393399 |  |  |  |  |  | $1439.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $124.07 | $210.74 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 14.10 | US Citizen |  | 604 |  |  |  |  | 1 | 1 | 0 | 1 | 1 | 1 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/19/2023 | 610 | Fair Isaac (VER. 2) | 604 | Beacon 5 | 592 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223597831 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $4098.44 |  | 0.397605 |  |  |  |  |  | $4098.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $378.34 | $720.58 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 15.92 | US Citizen | US Citizen | 535 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/06/2023 | 552 | Fair Isaac (VER. 2) | 586 | Beacon 5 | 573 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/06/2023 | 535 | Fair Isaac (VER. 2) | 503 | Beacon 5 | 599 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223597833 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $2055.55 |  | 0.496119 |  |  |  |  |  | $2055.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $375.68 | $215.33 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 34.20 | US Citizen |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/24/2023 | 728 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 736 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223597836 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $2896.24 |  | 0.413348 |  |  |  |  |  | $2896.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $207.92 | $163.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 13.48 | US Citizen |  | 532 |  |  |  |  | 2 | 0 | 0 | 2 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/28/2023 | 556 | Fair Isaac (VER. 2) | 506 | Beacon 5 | 532 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223597838 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $4885.66 |  | 0.363344 |  |  |  |  |  | $4885.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $309.91 | $368.66 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/28/2024 | 709 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618173 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1645.21 |  | 0.351670 |  |  |  |  |  | $1645.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $340.28 | $128.58 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 622 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/26/2017 | 597 | Fair Isaac (VER. 2) | 622 | FICO Classic V5 Facta | 639 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618212 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $2932.47 |  | 0.490428 |  |  |  |  |  | $2932.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $306.72 | $225.33 | Level 2-Stated/Not Verified |  |  |  | No | No | No |  | 1.65 | US Citizen | US Citizen | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | 11/16/2023 | 709 | FICO II | 718 | Beacon 5 | 705 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 11/16/2023 | 743 | FICO II | 731 | Beacon 5 | 767 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618213 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $1180.03 |  | 0.478729 |  |  |  |  |  | $1180.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $105.69 | $89.02 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 15.96 | US Citizen |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/26/2023 | 783 | FICO II | 773 | Beacon 5 | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223618217 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $2634.07 |  | 0.507870 |  |  |  |  |  | $2634.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $262.62 | $0.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 719 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/27/2024 | 723 | FICO II | 701 | Beacon 5 | 719 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619557 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1300.00 | Third Party Rental Source | $1209.37 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $1209.37 |  |  | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25300.00 |  |  | $51.52 | $299.42 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 1.74 |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 80.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 08/07/2023 | 652 | Fair Isaac (VER. 2) | 675 | FICO Classic V5 Facta | 678 | FICO Risk Score Classic 04 | 3 |  |  | 20.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 06/05/2024 | 766 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  | 330.750% | XX |  |  |  |  |  |  |  |  |  |  |
| 223619558 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $8000.00 | Rent on Existing Lease | $7686.08 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $7686.08 |  |  | Yes | 08/01/2024 | 07/31/2025 | 12 | Long Term | $4000.00 | $4000.00 | Yes | 08/01/2024 | 07/31/2025 | 12 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60400.00 |  |  | $189.65 | $542.36 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | First-Time Investor | 1.40 |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 07/10/2024 | 756 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619559 | XX | XX | XX |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3862.49 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $3862.49 |  |  | No |  |  |  | Long Term |  | $4000.00 | No |  |  |  | Long Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $159000.00 |  |  | $125.00 | $173.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/08/2024 | 795 | Fair Isaac (VER. 2) | 808 | FICO Classic V5 Facta | 810 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/08/2024 | 774 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 223619560 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3157.50 | Multiple Sources | $3076.73 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $3076.73 |  |  | No |  |  |  | Long Term |  | $1675.00 | Yes | 11/01/2023 | 12/31/2024 | 14 | Long Term | $1650.00 | $1675.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34500.00 |  |  | $318.67 | $202.90 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.13 |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 08/01/2024 | 755 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 779 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619561 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1785.00 | Multiple Sources | $985.67 |  | 0.000000 | 0.55 |  |  | 1.81 | 1.81 | $985.67 |  |  | Yes | 05/17/2024 | 05/31/2025 | 12 | Long Term | $1800.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $108.56 | $58.50 | Level 4-Stated/Verified as defined | No | 1 | 56 | No |  |  | Experienced Investor | 0.54 |  |  | 771 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 07/09/2024 | 794 | Fair Isaac (VER. 2) | 749 | Beacon 5 | 771 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619562 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3990.00 | Multiple Sources | $2769.58 |  | 0.000000 | 0.69 |  |  | 1.44 | 1.44 | $2769.58 |  |  | Yes | 05/15/2024 | 04/30/2025 | 11 | Long Term | $4000.00 | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24900.00 |  |  | $344.32 | $412.83 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.70 |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 99.00% | Full Recourse | 1 | Foreign National |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.000% | XX |  |  |  | XX |  |  |  |  |  |  | Yes |  |  |  |
| 223619563 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2200.00 | Third Party Rental Source | $1582.78 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $1582.78 |  |  | Yes | 04/26/2024 | 04/30/2025 | 12 | Long Term | $1100.00 | $1000.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | $277.19 | $165.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.71 |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 09/09/2024 | 743 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 77.744% | XX |  |  | 85.281% | XX |  |  |  |  |  |  |  |  |  |  |
| 223619564 | XX | XX |  |  |  |  |  |  | Yes | No | Not Provided |  |  |  | $5000.00 | Third Party Rental Source | $4318.21 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $4318.21 |  |  | No |  |  |  | Not Provided |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12500.00 |  |  | $558.76 | $104.17 | Level 2-Stated/Not Verified | No | 2 | 2 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 663 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | 08/24/2024 | 746 | Fair Isaac (VER. 2) | 678 | FICO Classic V5 Facta | 677 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | 08/24/2024 | 663 | Fair Isaac (VER. 2) | 645 | FICO Classic V5 Facta | 686 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 72.170% | XX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 223619565 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3300.00 | Third Party Rental Source | $4398.92 |  | 0.000000 | 1.33 |  |  | 0.75 | 0.75 | $4398.92 |  |  | Yes | 11/01/2024 | 10/31/2025 | 12 | Long Term | $4400.00 | $3300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $766.53 | $476.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 08/01/2024 | 733 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 702 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 73.120% | XX |  |  | 79.478% |  |  | 79.478% |  |  |  |  |  |  |  |  |
| 223619566 | XX | XX |  |  |  |  |  |  | Yes | No | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  | $3246.67 | Third Party Rental Source | $2486.17 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $2486.17 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $3246.67 | No |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $261.75 | $314.33 | Level 3-Stated/Partially Verified | No | 1 | 7 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/16/2024 | 735 | Fair Isaac (VER. 2) | 743 | FICO Classic V5 Facta | 752 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/16/2024 | 774 | Fair Isaac (VER. 2) | 744 | FICO Classic V5 Facta | 724 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 64.368% | XX |  |  | 65.116% |  |  | 65.116% |  |  |  |  |  |  |  |  |
| 223619567 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $4000.00 | Third Party Rental Source | $3997.32 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3997.32 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $57582.00 |  |  | $1250.18 | $182.16 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 1.01 | US Citizen |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/01/2024 | 710 | Fair Isaac (VER. 2) | 715 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 56.119% | XX |  |  | 537.143% | XX |  |  |  |  |  |  |  |  |  |  |
| 223619568 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2050.00 | Third Party Rental Source | $1749.48 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $1749.48 |  |  | No |  |  |  | Long Term |  | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23300.00 |  |  | $514.31 | $102.70 | Level 2-Stated/Not Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | 10/22/2024 | 748 | Fair Isaac (VER. 2) | 754 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 78.431% | XX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 223619569 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1900.00 | Third Party Rental Source | $1616.69 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1616.69 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | $136.87 | $78.27 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.65 | US Citizen |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 09/09/2022 | 762 | Fair Isaac (VER. 2) | 787 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619570 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $3200.00 | Third Party Rental Source | $2888.80 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2888.80 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $124000.00 |  |  | $793.46 | $207.25 | Level 2-Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 725 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 01/22/2024 | 785 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 718 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 54.545% | XX |  |  | 68.571% |  |  | 68.571% |  |  |  |  |  |  |  |  |
| 223619571 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2400.00 | Third Party Rental Source | $2395.17 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2395.17 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $165.22 | $112.95 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.96 | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/24/2023 | 736 | Fair Isaac (VER. 2) | 710 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  | 286.893% | XX |  |  |  |  |  |  |  |  |  |  |
| 223619572 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3000.00 | Third Party Rental Source | $1306.53 |  | 0.000000 | 0.44 |  |  | 2.30 | 2.3 | $1306.53 |  |  | Yes | 06/01/2024 | 05/31/2025 | 12 | Long Term | $1100.00 | $1000.00 | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28800.00 |  |  | $232.00 | $114.73 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.37 |  |  | 677 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 06/07/2024 | 682 | Fair Isaac (VER. 2) | 677 | FICO Classic V5 Facta | 669 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 3 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  | 206.769% | XX |  |  |  |  |  |  |  |  |  |  |
| 223619573 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1700.00 | Rent on Existing Lease | $1444.55 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $1444.55 |  |  | Yes | 02/01/2024 | 01/31/2025 | 12 | Long Term | $1700.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $75.18 | $53.67 | Level 4-Stated/Verified as defined | No | 1 | 19 | No |  |  | Experienced Investor | 9.20 |  |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 90.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 05/30/2024 | 764 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619574 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1250.00 | Rent on Existing Lease | $1013.57 |  | 0.000000 | 0.81 |  |  | 1.23 | 1.23 | $1013.57 |  |  | Yes | 05/10/2024 | 05/09/2025 | 12 | Long Term | $1250.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $107.22 | $61.05 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 0.88 |  |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 03/27/2024 | 804 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 788 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619575 | XX | XX |  |  |  |  |  |  | Yes | Yes |  |  |  |  | $1200.00 | Rent on Existing Lease | $1041.99 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1041.99 |  |  | Yes | 03/01/2023 | 03/01/2024 | 12 |  | $1200.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10220.00 |  |  | $453.31 | $39.81 | Level 3-Stated/Partially Verified | No | 1 | 17 | No |  |  | Experienced Investor | 1.13 |  |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 05/11/2023 | 667 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 720 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 55.000% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619576 | XX | XX |  |  |  |  |  |  | Yes | Yes |  |  |  |  | $5750.00 | Multiple Sources | $2747.40 |  | 0.000000 | 0.48 |  |  | 2.09 | 2.09 | $2747.40 |  |  | Yes | 10/06/2021 | 10/31/2022 | 12 |  | $650.00 | $650.00 | Yes | 10/10/2021 | 11/10/2021 | 1 |  | $850.00 | $750.00 | Yes | 07/01/2020 | 07/31/2020 | 1 |  | $600.00 | $750.00 | Yes | 01/20/2022 | 02/19/2022 | 1 |  | $650.00 | $650.00 | Yes | 01/20/2022 | 02/19/2022 | 1 |  | $475.00 | $650.00 | Yes | 04/25/2021 | 04/23/2022 | 11 |  | $650.00 | $650.00 | Yes | 11/09/2020 | 12/09/2020 | 1 |  | $475.00 | $650.00 | Yes | 10/17/2020 | 04/30/2021 | 6 |  | $650.00 | $650.00 | Yes | 02/01/2022 | 01/31/2023 | 12 |  | $850.00 | $850.00 |  |  |  |  |  |  |  | Yes |  |  |  | $429.68 | $161.83 | Level 3-Stated/Partially Verified | No | 1 | 6 | No |  |  | Experienced Investor | 2.39 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Business Entity |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 40.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 04/07/2022 | 791 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 721 | FICO Risk Score Classic 04 | 3 |  |  | 40.00% | Full Recourse | 6 | Not Provided |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 03/02/2022 | 775 | Fair Isaac (VER. 2) | 757 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 | 3 |  |  | 20.000% | Full Recourse | 4 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 02/28/2022 | 747 | Fair Isaac (VER. 2) | 748 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 9 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 64.167% | XX |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |
| 223619577 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5600.00 | Rent on Existing Lease | $8063.82 |  | 0.000000 | 1.44 |  |  | 0.69 | 0.69 | $8063.82 |  |  | Yes | 10/01/2022 | 09/30/2023 | 12 | Long Term | $5600.00 | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $54070.00 |  |  | $1305.65 | $618.58 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 16.26 | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 08/02/2022 | 743 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 733 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 64.286% | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619578 | XX | XX |  |  |  |  |  |  | Yes | No | Not Provided |  |  |  | $2250.00 | Third Party Rental Source | $2166.59 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2166.59 |  |  | No |  |  |  | Not Provided |  | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $13000.00 |  |  | $179.66 | $124.75 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.84 |  |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 01/24/2024 | 736 | FICO 9 | 702 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619579 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1805.00 | Third Party Rental Source | $1423.22 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $1423.22 |  |  | Yes | 04/01/2024 | 03/31/2025 | 12 | Long Term | $2100.00 | $1805.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | $32.20 | $166.00 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.37 |  |  | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 25.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 03/13/2024 | 711 | FICO 9 | 727 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619580 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2900.00 | Third Party Rental Source | $2169.76 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $2169.76 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $513.81 | $116.50 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 2.73 |  |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 04/08/2024 | 803 | FICO 9 | 782 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619581 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1700.00 | Third Party Rental Source | $1521.68 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $1521.68 |  |  | Yes | 06/16/2023 | 06/01/2024 | 11 | Long Term | $1800.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $331.61 | $63.17 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 2.02 |  |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 30.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 01/19/2024 | 720 | FICO 9 | 757 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619582 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1650.00 | Third Party Rental Source | $1419.55 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1419.55 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21600.00 |  |  | $264.67 | $98.81 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.35 |  |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 70.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 03/12/2024 | 706 | FICO 9 | 735 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619583 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2250.00 | Third Party Rental Source | $2168.50 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $2168.50 |  |  | Yes | 03/01/2024 | 09/05/2025 | 18 | Long Term | $2700.00 | $2250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $554.67 | $129.25 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 9.27 |  |  | 664 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 07/17/2024 | 664 | FICO 9 | 682 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 65.000% | XX |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619584 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $4200.00 | Rent on Existing Lease | $3075.98 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $3075.98 |  |  | Yes | 10/07/2024 | 10/08/2025 | 12 | Long Term | $4200.00 | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $257.44 | $116.83 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.53 |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 33.30% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 09/30/2024 | 741 | FICO 9 | 715 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619585 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1200.00 | Third Party Rental Source | $867.87 |  | 0.000000 | 0.72 |  |  | 1.38 | 1.38 | $867.87 |  |  | Yes | 10/04/2024 | 10/04/2026 | 24 | Long Term | $1350.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16100.00 |  |  | $186.92 | $175.66 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.73 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 10/15/2024 | 754 | FICO 9 | 743 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 65.789% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619586 | XX | XX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $1520.00 | Third Party Rental Source | $1071.03 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $1071.03 |  |  | No |  |  |  | Long Term |  | $1520.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23500.00 |  |  | $133.98 | $90.92 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 1.03 |  |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 11/13/2024 | 756 | FICO 9 | 760 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619587 | XX | XX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1100.00 | Rent on Existing Lease | $609.97 |  | 0.000000 | 0.55 |  |  | 1.80 | 1.8 | $609.97 |  |  | Yes | 08/15/2024 | 08/15/2025 | 12 | Long Term | $1100.00 | $1100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 |  |  | $25.49 | $45.75 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 1.10 |  |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 08/20/2024 | 727 | FICO 9 | 693 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 60.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619588 | XX | XX | XX |  |  |  |  |  | Yes | Yes |  |  |  |  | $2673.00 | Multiple Sources | $1801.02 |  | 0.000000 | 0.67 |  |  | 1.48 | 1.48 | $1801.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $110.21 | $397.92 | Level 1-Not Stated/Not Verified | Yes |  |  | No |  |  |  | 0.66 |  |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 49.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 05/19/2022 |  |  | 702 | Other |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.979% | XX |  |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619589 | XX | XX |  |  |  |  |  |  | Yes | No |  |  |  |  | $1950.00 | Third Party Rental Source | $1559.70 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $1559.70 |  |  | No |  |  |  |  |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $179.51 | $155.17 | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  | 0.79 |  |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified |  |  | Classic | 11/18/2022 | 687 | FICO 9 | 685 | FICO Classic V5 Facta |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 70.000% | XX |  |  |  | XX | $0.00 |  |  |  |  |  |  |  |  |  |
| 223619773 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1004.85 |  | 0.462120 |  |  |  |  |  | $1004.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $110.93 | $76.92 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.33 | US Citizen |  | 808 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/30/2022 | 815 | Fair Isaac (VER. 2) | 804 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619779 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2533.34 |  | 0.283631 |  |  |  |  |  | $2533.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $496.39 | $70.00 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/14/2020 | 699 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 801 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/14/2020 | 791 | Fair Isaac (VER. 2) | 785 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | Individual |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/14/2020 | 776 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619791 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $618.87 |  | 0.359740 |  |  |  |  |  | $618.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $93.16 | $96.25 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  | 29.67 | US Citizen | US Citizen | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 09/23/2016 | 786 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 774 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 09/23/2016 | 738 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 761 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619822 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $891.83 |  | 0.495780 |  |  |  |  |  | $891.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $119.23 | $86.42 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/07/2019 | 775 | Fair Isaac (VER. 2) | 789 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619854 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3747.68 |  | 0.342073 |  |  |  |  |  | $3747.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $393.96 | $176.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 7.15 | US Citizen |  | 687 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/18/2021 | 691 | Fair Isaac (VER. 2) | 654 | FICO Classic V5 Facta | 687 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619866 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2261.39 |  | 0.459863 |  |  |  |  |  | $2261.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $443.93 | $136.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 03/23/2022 | 804 | FICO II | 760 | Beacon 5 | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619869 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $518.08 |  | 0.472463 |  |  |  |  |  | $518.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $163.19 | $51.08 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 5.97 | US Citizen |  | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 7 | US Citizen |  |  | Level 4-Stated/Verified as defined | 08/05/2018 | 752 | FICO II | 800 | Beacon 5 | 800 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619886 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $1224.80 |  | 0.518044 |  |  |  |  |  | $1224.80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $168.98 | $74.83 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 692 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/07/2022 | 679 | Fair Isaac (VER. 2) | 717 | Beacon 5 | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619900 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2540.46 |  | 0.381815 |  |  |  |  |  | $2540.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $104.59 | $97.00 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 1.36 | US Citizen |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/07/2023 | 754 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 732 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619904 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3510.82 |  | 0.405263 |  |  |  |  |  | $3510.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $895.03 | $157.98 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 700 |  |  |  |  | 2 | 0 | 0 | 2 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 07/10/2024 | 700 | FICO II | 701 | Beacon 5 | 697 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619908 | XX | XX | XX |  |  |  |  |  | No |  |  |  |  |  |  |  | $2871.22 |  | 0.212518 |  |  |  |  |  | $2871.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $811.19 | $173.62 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 9.47 | US Citizen |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 05/03/2023 | 739 | Fair Isaac | 755 | Beacon 5 | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619909 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2923.77 |  | 0.575189 |  |  |  |  |  | $2923.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $171.75 | $78.83 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 2.90 | US Citizen |  | 705 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 07/31/2023 | 695 | Fair Isaac (VER. 2) | 718 | Beacon 5 | 705 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619917 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $963.06 |  | 0.276361 |  |  |  |  |  | $963.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $218.98 | $71.03 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 11.02 | US Citizen |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 7 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/14/2021 | 744 | FICO II | 764 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619928 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $2993.45 |  | 0.523572 |  |  |  |  |  | $2993.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $749.70 | $83.67 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 9.72 | US Citizen |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/11/2021 | 712 | Fair Isaac (VER. 2) | 745 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619990 | XX | XX |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $1977.77 |  | 0.280827 |  |  |  |  |  | $1977.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $541.19 | $275.67 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 6.72 | US Citizen |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Retired |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223619997 | XX | XX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $532.24 |  | 0.451710 |  |  |  |  |  | $532.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $182.65 | $41.75 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  | 4.60 | US Citizen | US Citizen | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/26/2021 | 763 | Fair Isaac (VER. 2) | 721 | FICO Classic V5 Facta | 716 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 04/26/2021 | 759 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620000 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3463.48 |  | 0.337329 |  |  |  |  |  | $3463.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $434.31 | $71.26 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | US Citizen | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 08/10/2023 | 743 | Fair Isaac (VER. 2) | 732 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 08/10/2023 | 787 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 808 | FICO Risk Score Classic 04 | Individual |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 08/10/2023 | 799 | Fair Isaac (VER. 2) | 811 | FICO Classic V5 Facta | 819 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223620004 | XX | XX | XX |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $3087.57 |  | 0.313437 |  |  |  |  |  | $3087.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $577.75 | $121.02 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 10 | US Citizen |  |  | Level 4-Stated/Verified as defined | 09/01/2023 | 720 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** | **Multi Property Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/20/2025 10:36:59 AM** | **Run Date - 6/20/2025 10:36:59 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Collateral ID** | **Loan Flag** | **Loan Status** | **Loan Status Date** | **Originator** | **Property Address** | **City** | **State** | **Zip Code** | **Original Balance** | **Rate Type Code** | **Loan Product** | **Lien Type** | **Original Rate** | **Qualifying Rate** | **Original Monthly PI Payment** | **Borrower FICO** | **Coborrower FICO** | **FICO Date** | **Appraisal Date** | **Owner Occupancy** | **Property Type** | **Appraisal Value** | **Purchase Price** | **Property Value for LTV** | **Originator Original LTV** | **Combined LTV** | **Debt to Income Ratio** | **ARM Index** | **Interest Only Period** | **Original Maturity Term** | **Original Amortization Term** | **Prepayment Penalty Months** | **Prepay Penalty Type** | **Note Date** | **First Payment Date** | **Maturity Date** | **Property Units** | **Loan Purpose** | **Foreign National Flag** | **Documentation Type** | **T & I & A Payment** | **Monthly Taxes** | **Monthly Insurance** | **Mortgage Type** | **ARM Margin** | **Minimum Rate Life Floor** | **Maximum Rate** | **Initial Periodic Cap** | **Life Rate Cap** | **Subsequent Periodic Cap** | **Payment Adjustment Frequency** | **Rate Adjustment Frequency** | **Property Acquisition Date** | **Property Acquisition Price** | **Borrower ID** | **Cross Default Loan Count** | **Rental Purpose** | **Rent** | **Rent in Place from Lease** | **Type of Rent to Qualify** | **Rented Flag** | **Originator Original DSCR** | **Property Improvement Flag** | **Personal Guarantor** | **Annual HOA** | **Property Condition** | **First Time Investor** | **Reserve Amount** | **Origination Channel** | **Property Exception Grade** | **After Repair Value** | **After Repair Value Percent** | **Loan to Cost** | **Release Provisions** | **Release Amount** | **Property Loan Amount** | **Year Built** | **Square Foot** | **Number of Bedrooms** | **Number of Bathrooms** | **Section 8 Housing Program** |
| 223619588 | XX | XX | XX | XX | Y | Loan Review Complete |  |  |  |  |  |  |  | Fixed | Fixed Rate | 1 | 8.000% |  | $1292.89 |  |  |  |  | Investment |  |  |  |  | 74.979% | 74.979% |  |  |  | 360 | 360 | 36 | Prepaid Balance |  |  |  |  |  | No | DSCR | $508.13 |  |  | Conventional without MI |  |  |  |  |  |  |  |  |  |  |  | 2 |  | $2430.00 |  |  |  | 1.48 |  | XX | $0.00 |  |  |  | Broker | 3 |  |  | 0.000% |  |  |  |  |  |  |  |  |
| 223619588 | XX | XX | XX | XX | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  | $247.97 | $56.47 | $191.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1330.00 | $1550.00 | Lease Income | Y |  |  |  | $0.00 | Good |  |  |  |  |  |  | 0.000% | No |  |  | 1952 | 2430 | 3 | 2 | No |
| 223619588 | XX | XX | XX | XX | N | Loan Review Complete |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment | 2 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Refinance |  |  | $260.16 | $53.74 | $206.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1100.00 | $1550.00 | Lease Income | Y |  |  |  | $0.00 |  |  |  |  |  |  |  | 0.000% | No |  |  | 1952 |  | 3 | 2 | No |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch7_001.jpg) | ![](ex99-6sch7_001.jpg) | ![](ex99-6sch7_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** | **Multi Property Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/20/2025 10:36:59 AM** | **Run Date - 6/20/2025 10:36:59 AM** | **Run Date - 6/20/2025 10:36:59 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 223619588 | XX | XX | XX |  |  |  |  |  | 0.000% | XX | XX | XX | TX | XX |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 223619588 | XX | XX | XX |  |  |  |  |  | 0.000% | XX | XX | XX | TX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

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